1. General Policy
Close Like Bruno and Effortless Closing offer digital education, training programs, online courses, masterclasses and related services.
Because different products may have different formats, prices, delivery methods and support structures, refund terms may vary from one offer to another.
2. Free Masterclasses
Our free masterclasses do not require payment, so there is no purchase amount to refund.
If you register for a free masterclass and later decide not to attend, you may simply choose not to participate.
If you no longer wish to receive promotional emails, you may use the unsubscribe link included in our emails.
3. Paid Products and Programs
Before purchasing a paid product, course, coaching program, membership or other service, you should review the refund terms shown on the relevant sales page or checkout page.
A specific product may:
- Include a stated refund period.
- Include conditions that must be satisfied before a refund is available.
- Include a satisfaction guarantee with specific requirements.
- Be non-refundable after access or delivery begins, where permitted by law.
- Have different rules for digital products, coaching or live services.
Any product-specific refund terms form part of your purchase agreement.
4. Where No Separate Refund Terms Are Stated
If a paid product does not display a separate refund or guarantee policy, you should contact us before purchasing if you require clarification about refund eligibility.
Once digital content, training access or other digital materials have been delivered or made available, refunds may be restricted where permitted by applicable law.
Nothing in this policy removes any statutory consumer rights that cannot legally be waived.
5. How to Request a Refund
If your purchase is eligible for a refund under the terms applicable to that product, you must submit your request to:
Your request should include:
- Your full name.
- The email address used to make the purchase.
- The name of the product or program purchased.
- Your purchase date.
- Your transaction or payment reference, if available.
- The reason for your refund request.
- Any information required under the product's specific refund conditions.
6. Refund Request Deadlines
If a product includes a stated refund period, your request must be received within that period.
Refund periods are measured from the date of purchase unless the applicable offer specifically states otherwise.
Requests submitted after an applicable refund period has expired may not be eligible for a refund.
7. Conditional Guarantees
Some programs may include a conditional guarantee rather than an unconditional refund policy.
Where a guarantee requires specific actions, participation, assignments, attendance, implementation or other conditions, those requirements must be satisfied before the guarantee can be claimed.
The specific guarantee terms displayed with that offer will control.
8. Digital Products
Certain products may be delivered immediately after purchase, including courses, recordings, templates, scripts, documents, downloads or other digital resources.
Because digital content may be accessed, viewed, copied or downloaded immediately, refund rights for digital products may differ from those applying to physical goods.
Any refund eligibility will be determined according to the terms shown for the specific product and applicable law.
9. Coaching and Live Services
Coaching sessions, consultations, live training and other scheduled services may involve reserved time and limited availability.
If a particular service has cancellation, rescheduling or no-show rules, those terms will be provided with the offer or booking information.
Failure to attend a scheduled session does not automatically create a right to a refund.
10. Memberships and Recurring Payments
If we offer a subscription, membership or recurring payment product, you may cancel future renewals in accordance with the cancellation instructions provided with that product.
Cancelling a recurring payment generally stops future charges and does not automatically refund charges that have already been processed.
Any specific cancellation period or notice requirement shown for that product will apply.
11. Payment Plans
Where a program is purchased using a payment plan, the payment plan is a method of paying the total purchase price rather than a pay-as-you-go arrangement, unless the offer expressly states otherwise.
Stopping participation in a program does not automatically cancel remaining payment obligations.
If the purchase qualifies for cancellation or refund under a specific product policy, payment plan obligations will be handled according to that policy.
12. Failed or Declined Payments
If a scheduled payment fails or is declined, we or our payment processor may attempt to collect the outstanding payment again.
Access to paid products or services may be suspended while an account has an overdue balance.
13. Duplicate Payments
If you believe you were charged twice for the same purchase by mistake, contact us as soon as possible.
Once verified, an accidental duplicate charge may be refunded to the appropriate payment method.
14. Unauthorized Transactions
If you believe your payment method was used without authorization, contact us promptly at:
You should also contact your bank or payment provider where appropriate.
15. Chargebacks and Payment Disputes
If you have a concern about a purchase, we encourage you to contact us first so that we have an opportunity to review and resolve the issue.
Submitting a chargeback does not automatically cancel contractual obligations relating to a legitimate purchase.
Where a chargeback is submitted, we may provide relevant transaction, access and communication records to the payment processor or financial institution handling the dispute.
16. Refund Processing
Approved refunds will generally be returned using the original payment method where possible.
Once a refund has been issued, the time required for it to appear in your account depends on the payment processor, bank, card issuer or financial institution involved.
These processing times are outside our direct control.
17. Currency and Exchange Rates
If your bank or payment provider converts the transaction into another currency, the amount returned to you may differ slightly from the original amount shown on your statement because of currency exchange rate movements or fees imposed by third parties.
We are not responsible for exchange-rate differences or fees charged by your bank, card issuer or payment provider.
18. Removal of Access After a Refund
If a refund is approved for a paid course, program, membership or digital product, access to the refunded product may be terminated.
You must not continue using, sharing, reproducing or distributing proprietary materials from a product that has been refunded.
19. Changes of Mind
A change of mind does not automatically create a right to a refund outside the refund terms offered for a particular product or any mandatory rights provided by applicable law.
We encourage you to review the offer details carefully before purchasing.
20. Results Are Not a Basis for Automatic Refunds
Unless a specific product guarantee expressly states otherwise, a refund is not automatically available because you did not obtain a particular financial, career or sales result.
Training provides education and guidance but does not guarantee employment, commissions, sales or income.
Please review our Earnings Disclaimer and Results & Testimonial Disclaimer for additional information.
21. Consumer Rights
Nothing in this policy is intended to remove or restrict any consumer right that cannot legally be excluded under the law applicable to your purchase.
Where mandatory consumer protection law gives you rights that conflict with part of this policy, those mandatory rights will apply.
22. Changes to This Policy
We may update this Refund & Cancellation Policy from time to time to reflect changes in our products, payment systems, business practices or applicable requirements.
Any purchase will remain subject to the refund terms applicable to that purchase together with any mandatory legal rights.
23. Contact Us
For questions about refunds, cancellations or payments, contact:
Bruno Nwogu / Effortless Closing
Email:
Bruno@closelikebruno.com