Within 72 hours of your first session: As set out in your client agreement, if you notify us in writing by email to info@fsmcadvisory.com within 72 hours after your first session, the fees you have paid will be refunded in full.

After that: There are no refunds for services already rendered. Only the remaining unused balance of any prepayment will be refunded.

The Business Health Check is complimentary, so no payment or refund applies.

If this policy and your client agreement differ, your client agreement governs.

Once opened, books and other reference materials are not returnable.

Unopened items may be returned within 30 days of purchase if they are:

• Unused and in the same condition you received them
• In their original packaging
• Accompanied by a receipt or proof of purchase

If an item arrives damaged or defective, contact us at info@fsmcadvisory.com and we will replace it.

For product returns, we will notify you by email once we receive and inspect your return.

Approved refunds, including any unused prepayment balance for services, are credited to your original method of payment within a few business days.

If you haven't received a refund yet:

• Double-check your bank or card account
• Contact your credit card provider
• Contact your bank (processing times may vary)

If the issue continues, email us at info@fsmcadvisory.com.

To start a return, email us at info@fsmcadvisory.com. Once your return is accepted, we will send you the address to ship it to.

• You are responsible for return shipping costs
• Shipping costs are non-refundable
• Consider trackable shipping or insurance for high-value items

Questions about a refund or return? Email us at info@fsmcadvisory.com. We're happy to help.