Refund Policy

This Refund Policy explains how refunds work for products offered by A Matter of Cents ("we," "us," or "our") on amatterofcents.com. We want you to feel calm and confident about your purchase, so we keep this simple.

1. Free Resources

Our newsletter, free guides, and resources such as the Zero Chaos Starter Kit are exactly that — free. There is no purchase and therefore nothing to refund. You can unsubscribe from our emails at any time using the link in every email.

2. The Zero Chaos Money Plan — 30-Day Money-Back Guarantee

Once it launches, our paid program The Zero Chaos Money Plan ($197) will come with a 30-day money-back guarantee. If you complete the program in good faith and it isn't the right fit for you, you may request a full refund within 30 days of your purchase date. We stand behind the work, not a hard sell.

3. How to Request a Refund

To request a refund within the 30-day window:

• Email us using the contact address at the bottom of this page.
• Use the email address you purchased with, and include your name and the approximate date of purchase so we can locate your order.
• Let us know briefly what didn't work for you — this is optional, but it helps us improve.

Once approved, refunds are issued to your original payment method. Please allow a reasonable number of business days for the refund to appear, depending on your bank or card issuer.

4. Nature of Digital Products

The Zero Chaos Money Plan is a digital product delivered online. Because digital products are accessed immediately, our 30-day guarantee is our refund commitment for them. After the 30-day window closes, purchases are generally non-refundable, except where a refund is required by applicable law.

5. Fair Use of the Guarantee

Our guarantee is offered in good faith. We reserve the right to decline refund requests that show evidence of abuse — for example, repeated purchase-and-refund cycles, or copying and redistributing our materials. This does not affect any rights you have under applicable consumer-protection law.

6. Third-Party Purchases

If you buy a tool or product from a third party we link to (see our Affiliate Disclosure), that purchase is governed by that company's refund policy, not ours. Please review their terms before buying.

7. Changes to This Policy

We may update this Refund Policy from time to time. When we do, we will revise the "Last updated" date above. The policy in effect at the time of your purchase applies to that purchase.

8. Contact Us

Questions about a refund or this policy? Reach out using the contact address below and we'll help. You can also review our Terms of Service.