Refund & Return Policy

Last updated: July 2026

In short: all Halo Advisory Products are digital and delivered instantly, so all sales are final except where a file is broken, corrupted, or was never delivered after a verified payment.

1. Why we don't offer general refunds

Every course, template, toolkit, and management system document on this site is a digital file that is made available to you immediately after payment is verified. Because the Product can be downloaded and used right away, we're unable to offer refunds for change of mind, purchasing the wrong item by mistake, or simply deciding you no longer need it — in the same way most digital download stores operate.

2. When you ARE eligible for a refund

We will refund your payment in full if, after a payment has been verified by Flutterwave on our end:

the download link you received does not work, or the file is corrupted and unopenable; or
you completed payment but never received a download link or delivery email at all, and we are unable to resend it.

3. How to request a refund

Email haloadvisory@outlook.com within 7 days of your purchase, including your payment reference (shown on your confirmation screen and email) and a description of the issue. We'll investigate and, where the fault is confirmed on our side, issue a refund back to your original payment method within 5–10 business days.

4. Failed or unverified payments

If Flutterwave shows a charge on your card or mobile money account but we were unable to verify the transaction on our end, no order will have been created and no Product access granted. Contact us with your details and we'll investigate — this is not treated as a refund request, since in this scenario a valid order was never confirmed.

See also our Terms & Conditions and Delivery Terms.