Refunds & cancellations

Eligibility overview

Fees relate to professional time and written deliverables, not physical goods. Refunds depend on how far an engagement has progressed and whether a diary slot can be refilled.

Deposits

Deposits (for example the £400 deposit on Retirement Income Mapping) secure preparation time and a meeting date. If you cancel more than ten working days before the first scheduled meeting, the deposit is refunded in full. Cancellations inside ten working days forfeit the deposit unless we can fill the slot with another client, in which case we refund the deposit less a £75 administration charge.

Full refunds

If we cancel an engagement for reasons on our side (adviser illness without a suitable substitute, or inability to complete within the agreed scope), you receive a full refund of sums paid for unfinished work.

Partial refunds

If you withdraw after the discovery meeting but before the options session, we refund the balance after deducting a fair charge for time already spent — typically the discovery meeting rate implied by the engagement letter. Once the written plan or findings letter has been delivered, fees for that engagement are non-refundable.

Non-refundable items

• Completed Pension Health Check findings letters
• Completed investment policy statements and cashflow briefs
• Third-party specialist fees already incurred with your consent
• Time spent chasing documents after two unanswered reminders when a meeting had to be rearranged

Rescheduling & no-shows

You may reschedule once without charge if you give at least three working days’ notice. Further reschedules may attract a £60 diary fee. If you miss a meeting without notice, that session’s allocated time is charged and must be repaid before a replacement meeting is booked.

Work already started

Analysis begun on documents you supplied counts as started work. Refunds after that point are partial at most, reflecting unfinished deliverables only.

Refund process & timing

Email hello@applications-intelligentsys.digital with your name, engagement reference (if any), and reason. We confirm eligibility within five working days and process approved refunds to the original payment method within fourteen working days of approval.

Cancellations by us for suitability

If during discovery we determine we cannot advise you (for example, a transfer requiring a firm we are not authorised to recommend), we refund deposits for work not performed and help you identify an appropriate referral where possible.

Contact

Refund requests: hello@applications-intelligentsys.digital · +44-9-176-2746 · 6525 N 6th Street, East Boehm, England, United Kingdom