Refunds and cancellations
These terms apply to fees for financial advice and consulting engagements with Steadfast Path Advisory. They do not cover products or retail goods, which we do not sell on this site.
Eligibility
Refunds relate only to advice fees invoiced by us. Product premiums paid to insurers or pension providers are governed by those providers’ own rules and are outside this policy.
Cooling-off and timeframe
If you cancel a booked suitability call before it occurs, no fee is charged. Once a paid engagement letter is signed, you may cancel within 14 days of signing for a full refund of fees paid, provided we have not started substantive analysis (document review, modelling, or draft writing).
Full or partial refunds
If work has started, we may offer a partial refund reflecting time already spent at the hourly rate stated in your engagement letter, capped at the fixed fee. If the written recommendation has been delivered, fees for that engagement are generally non-refundable.
Non-refundable items
Third-party charges such as medical underwriting fees, provider transfer charges, or accountant costs you arrange separately are not refundable by us. Deposits held against a scheduled multi-meeting retirement review become non-refundable once the second meeting has occurred.
Cancellation and rescheduling
You may reschedule a meeting with at least 48 hours’ notice at no charge. Reschedules inside 48 hours may forfeit a booking deposit if one was taken. We will reschedule promptly if our adviser is unavailable.
No-shows
If you miss a scheduled meeting without notice, we may charge a missed-appointment fee of up to £75 or deduct it from a deposit, then offer one rebooking.
Work already started
Analysis begun after document receipt counts as work started. Materials we prepare (comparison tables, cash-flow maps) remain our intellectual property; copies already shared with you may be retained by you for personal use.
Refund process and timing
Email hello@automationworkflowtech.digital with your name, engagement reference, and reason. Approved refunds are processed within 14 working days to the original payment method where possible, or by bank transfer to the account that paid the invoice.
Exceptions
Statutory rights under UK consumer law remain unaffected where they apply. Complaints about advice quality follow our complaints procedure in your client agreement and may involve the Financial Ombudsman Service once you are an advised client.
Contact for refund requests: hello@automationworkflowtech.digital · +44-1-400-8599 · 907 Princess Street, Thompsonham, Northern Ireland, United Kingdom