REFUND POLICY

PRODUCT CATEGORIES & REFUND ELIGIBILITY

Expat Health Navigator offers the following types of digital products and services. Please review the refund policy that applies to your specific purchase:

E-books and Digital Guides (Valued at $99 or Less)
Refund Period: 7-day money-back guarantee from date of purchase
Eligibility: Refunds are available if you have not downloaded the complete product or have accessed less than 25% of the content. This includes country-specific healthcare guides, insurance comparison guides, and medication reference e-books.
Examples: Complete Healthcare Guide for Mexico Workbook, Essential Medical Phrases Guide

Digital Templates, Checklists, and Downloads (Valued at $49 or Less)
Refund Period: 48-hour money-back guarantee from date of purchase
Eligibility: Refunds are available only if the product has not been downloaded. Once you download any template, checklist, or digital tool, the sale is final.
Examples: Medical History Template, Relocation Health Checklist, Doctor Appointment Tracker, Vaccination Record Template

Online Courses (Valued at $100-$399)
Refund Period: 14-day money-back guarantee from date of purchase
Eligibility: Refunds are available if you have completed less than 20% of the course content (measured by lessons accessed or videos watched). You must demonstrate that you have made a good-faith effort to engage with the course material before requesting a refund.
Examples: Healthcare Navigator Masterclass, Chronic Condition Management for Expats

Membership Programs and Subscriptions
Refund Period: Non-refundable
Eligibility: Membership programs and recurring subscriptions are non-refundable. You may cancel your subscription at any time, but you will retain access until the end of your current billing period. No refunds will be issued for partial months or unused time. Payment plans are non-cancellable.
Examples: Navigator Monthly Membership, Healthcare Hub Community

Consultation Services and One-on-One Coaching
Refund Period: Non-refundable
Eligibility: All consultation services, coaching sessions, and personalized advisory services are non-refundable once scheduled. If you need to reschedule, please provide at least 48 hours' notice. Cancellations made with less than 48 hours' notice will forfeit the session with no refund. Payment plans for multi-session packages are non-cancellable.
Examples: Healthcare Navigation Consultation, Personalized Relocation Health Planning

Webinars, Workshops, and Live Virtual Events
Refund Period: Refunds available until 24 hours before event start time
Eligibility: Refunds for live webinars, workshops, and virtual events are available if requested at least 24 hours before the scheduled start time. No refunds will be issued for cancellations made within 24 hours of the event or for no-shows. If a recorded replay is included with your registration and has been accessed, no refund will be issued.
Examples: Expat Health Q&A, Insurance Workshop 

Resource Bundles and Package Deals
Refund Period: 7-day money-back guarantee from date of purchase
Eligibility: Bundles containing multiple products may be refunded within 7 days if less than 25% of the total bundle content has been accessed or downloaded. Refunds are processed for the entire bundle only; individual products within a bundle cannot be refunded separately.
Examples: Relocation Essentials Bundle, Healthcare Mastery Collection

SPECIAL OFFERS AND PROMOTIONAL SALES
Seasonal Sales and Limited-Time Discounts:
Any product purchased during a seasonal sale, limited-time promotion, or special discount event (such as Black Friday, Cyber Monday, New Year's Sale, or flash sale) is non-refundable, regardless of the standard refund policy for that product type. Non-refundable promotional offers are clearly marked on the checkout page, and customers must acknowledge the non-refundable nature of the purchase before completing the transaction.

Upgrade Discounts: If you are eligible for an upgrade discount (for example, upgrading from a basic course to a premium course), that discount follows the refund policy of the upgraded product. Once you have applied an upgrade discount, the standard refund policy for the previous product no longer applies.

No Discount Stacking: When multiple discounts are available on a product, customers may choose only one (1) discount to apply. Discounts may not be combined or "stacked." For example, if an upgrade discount and a seasonal sale price are both available, you must choose one or the other, not both.

EXCEPTIONS AND LIMITATIONS
Duplicate Purchases: If you accidentally purchase the same product twice, please contact us immediately. We will gladly refund the duplicate purchase.

Technical Issues: If you experience a technical problem that prevents access to your purchased product and we cannot resolve the issue within 48 hours, you are eligible for a full refund regardless of the standard product policy.

Misrepresented Products: If you believe a product was materially misrepresented in its description or marketing materials, please contact us with specific details. We will investigate and, if we determine the product was indeed misrepresented, we will offer a full refund.

Change of Mind: Due to the digital nature of our products, we cannot offer refunds for change of mind beyond the specified refund periods for each product type. We encourage you to carefully review product descriptions, previews, and free sample content before making a purchase.

SITUATIONS WHERE REFUNDS ARE NOT AVAILABLE
We are unable to process refunds in the following situations:

• You or your organization no longer needs the purchased product

• You found another product or service you prefer after purchase

• You have changed your mind about your purchase outside the applicable refund period

• You do not have the technical requirements or software compatibility specified in the product description

• You lack the language proficiency or background knowledge needed to use the product (where clearly stated in requirements)

• You purchased a product by accident and the system shows the product was downloaded or substantially accessed

• Your refund request exceeds the specified timeframe for the product category

• You have already received one refund for this specific product in the past

CHARGEBACKS AND PAYMENT DISPUTES
If you have a concern about a charge or product, please contact us directly at contact@expathealthnavigator.com before initiating a chargeback through your credit card company or payment processor. We are committed to resolving all customer concerns fairly and promptly.

Initiating a chargeback without first contacting us may result in the immediate suspension of your account and access to all Expat Health Navigator products and services. If you file a chargeback and the payment processor rules in our favor (because you agreed to our terms and received the product as described), you will be responsible for any chargeback fees and will remain obligated for the original purchase amount.

We maintain detailed records of all transactions, including purchase agreements, download logs, course access records, and customer communications, which we will provide to payment processors in the event of a dispute.

CONTACT INFORMATION
For all refund requests, questions about this policy, or customer service inquiries, please contact us:
Email: contact@expathealthnavigator.com
Response Time: Within 48 hours (7 days a week)
Website: www.expathealthnavigator.com/refunds

POLICY UPDATES
Expat Health Navigator reserves the right to update or modify this Refund Policy at any time. Changes will be posted on our website and will apply to all purchases made after the updated policy is posted. Your purchase is governed by the Refund Policy in effect at the time of your purchase. We encourage you to review this policy periodically.

Last Updated: February 2026
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