Refund Policy

Effective Date: August 25, 2026
Last Updated: August 25, 2026

This Refund Policy is referenced in and forms part of the UnbankedU Terms of Service. It governs refund eligibility for Frontline, Complete Setup, All-Access, and any other UnbankedU product or program.

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. You can request a refund through paddle.net or by contacting us directly using the information below.

1. General Refund Window

Unless a different window is expressly stated on the applicable checkout page, you may request a refund within 14 days of purchase, subject to the product-specific terms below. Refund eligibility is based on what has actually been delivered, shipped, accessed, or scheduled at the time of your request — not on the calendar date alone.

2. Frontline Kit

• Unopened, unshipped, or unactivated: Eligible for a full refund within the window above.
• Shipped, with security seal intact: Eligible for a refund minus return shipping, once the item is returned and the seal is confirmed unbroken.
• Opened or security seal broken: Not eligible for return or refund. This is a security requirement, not a convenience policy — once a hardware wallet's factory seal is broken, its integrity cannot be verified for the next owner, so opened units cannot be resold or accepted back under any circumstances.
• Community access already activated: Community access will be deactivated upon refund.

3. Complete Setup

• Neither session scheduled, hardware shipped, nor Bitcoin gift delivered: Eligible for a full refund within the window above.
• A guided session has been scheduled or completed: The session portion is non-refundable once scheduled; a prorated refund may be issued at UnbankedU's discretion for the unused portion only.
• Hardware has shipped: Governed by the same seal-integrity terms as Section 2.
• Bitcoin gift has been delivered or initiated: Non-refundable — see Section 5.

4. All-Access

• No sessions attended, hardware unshipped, and Bitcoin gift undelivered: Eligible for a full refund within the window above.
• Ongoing group mentor sessions have begun: Refunds are prorated based on the number of monthly sessions actually delivered as of the request date. Access to future sessions ends upon refund.
• Hardware and Bitcoin gift: Governed by Sections 2 and 5 respectively.
• Guest expert sessions attended: Treated the same as group mentor sessions for proration purposes.

5. Promotional Bitcoin Gift

Once a promotional Bitcoin gift has been delivered or initiated to a wallet address, it cannot be refunded, clawed back, or reversed. Blockchain transactions are irreversible by design, and UnbankedU has no technical ability to reclaim digital assets once sent. If a refund is issued on a package that included a delivered Bitcoin gift, the U.S. dollar value of that gift (based on its value at time of delivery) will be deducted from the refund amount.

6. Digital Materials and Community Access

• Digital course materials, curriculum, or Learning Center content: Once accessed, the digital-content portion of your purchase is non-refundable. This prevents refund requests after material has already been consumed.
• Community access: Once activated, refund of the community-access portion is at UnbankedU's discretion and may be prorated for time already elapsed.

7. Non-Refundable Circumstances

Refunds will not be issued for:

• Change of mind after digital content has been accessed, a session has been completed, or a Bitcoin gift has been delivered.
• Dissatisfaction with digital asset price movements, market performance, or personal investment outcomes — UnbankedU is an educational provider and does not guarantee financial results (see Terms of Service, Sections 3 and 15).
• Requests made after the applicable refund window has closed, except where required by law.
• Hardware returned with a broken security seal.

8. How to Request a Refund

Email iamthekensultant@gmail.com with your order number and the reason for your request. Include return tracking information if applicable. You may also request a refund directly through paddle.net. UnbankedU will confirm receipt of your request within 2 business days.

9. Refund Processing

Approved refunds are issued to the original payment method within 5–10 business days of approval. UnbankedU is not responsible for delays caused by your bank or payment provider.

10. Chargebacks

If you have a concern about a purchase, please contact us at iamthekensultant@gmail.com before initiating a chargeback with your bank or card issuer. Most issues can be resolved faster directly. Chargebacks filed for amounts eligible for refund under this policy, without first contacting UnbankedU, may result in suspension of community and program access pending resolution.

11. Exceptions Required by Law

Nothing in this Refund Policy limits any refund, cancellation, or "cooling-off" right that cannot legally be waived under the law of your jurisdiction or the jurisdiction governing these terms. This policy is governed by the laws of the United States of America.

12. Changes to This Policy

UnbankedU may update this Refund Policy periodically. The refund policy in effect at the time of your purchase governs that purchase, unless a change is required by law.

13. Contact

UnbankedU
Kenneth Francis | TheKensultant
Email: iamthekensultant@gmail.com
Website: unbankedu.com