At Kim's Journeys Online, we are committed to operating with faith, fairness, and integrity in every transaction. We want every customer to feel valued, heard, and treated with respect — and we want our refund practices to reflect that commitment.

1. Scope of This Policy This Refund Policy applies to all purchases made through Kim's Journeys Online, owned and operated by Kimberly Storey (sole proprietor), including but not limited to: digital products and downloads sold through our Payhip storefront, software subscriptions including the Tasks Manager application, online courses, guides, templates, and educational resources, physical products shipped by Kim's Journeys Online, and any future products or services sold under the Kim's Journeys Online brand.

2. Digital Products — General No-Refund Policy Due to the nature of digital products — which are delivered instantly and cannot be "returned" once accessed or downloaded — all sales of digital products are generally final and non-refundable. This includes eBooks, guides, workbooks, and printables, templates and spreadsheets, pre-recorded courses and video content, and digital toolkits, resource libraries, and starter packs. We encourage you to read all product descriptions carefully before purchasing. If you have questions about a product before buying, please contact us at kim@kimsjourneysonline.com — we are happy to help you decide if a product is right for you.

3. Grace-Period Refund Exception Because we believe in treating people the way we want to be treated, we offer a limited grace-period exception for genuine situations where a refund is warranted. We review each request individually, prayerfully, and with integrity.

• Digital downloads (eBooks, templates, guides): 7 days from purchase — product not yet downloaded or accessed, or technical issue preventing access
• Online courses and video content: 7 days from enrollment — less than 20% of course content accessed, or documented technical barrier
• Tasks Manager monthly subscription: Within the 7-day free trial — cancel before trial ends and no charge will be applied
• Tasks Manager annual subscription: 7 days from payment date — requested within 7 days and not due to dissatisfaction with a feature explained in listings
• Lifetime access plans: 7 days from purchase — documented technical issue only, does not apply to change of mind

We reserve the right to approve or decline any refund request at our sole discretion. Abuse of this policy — such as repeated refund requests or requesting a refund after accessing or using the majority of a product — may result in account suspension.

4. Physical Products — Returns & Refunds Kim's Journeys Online may offer physical products such as printed materials, journals, craft kits, or branded merchandise from time to time.

Return Window: You have 14 calendar days from the date you receive your shipping notification to submit a return or refund request. Requests submitted after this 14-day window will not be eligible for a refund.

Eligibility Requirements: To be eligible for a return or refund on a physical product, all of the following conditions must be met — your request is submitted within 14 days of your shipping notification, the product arrived damaged, defective, or materially different from what was described, you provide clear photographic or video evidence of the damage or defect at the time of receipt, and the item has not been used, altered, or further damaged after receipt.

Change of Mind: Refunds or returns will NOT be granted solely because you changed your mind, no longer want the item, or feel the product did not meet personal expectations that were not explicitly promised in the product listing.

Shipping Carrier Responsibility: All physical orders are shipped with tracking and handed off to a third-party carrier. Once a package has been tendered to the carrier and a tracking number has been issued, Kim's Journeys Online is not responsible for delays caused by the carrier, packages marked as delivered but not received, loss or theft after carrier acceptance, or incorrect delivery resulting from an address error provided by the customer.

Proof Required: All physical product refund requests must include clear photographs showing the damage or defect upon receipt, video evidence if the damage is better demonstrated in motion, and a photo of the shipping packaging if damage appears to have occurred in transit.

Approved refunds for physical products will be issued to your original payment method. Return shipping costs will be determined on a case-by-case basis.

5. Non-Refundable Situations Refunds will not be issued in the following situations: you changed your mind after downloading or fully accessing a digital product; you changed your mind about a physical product without evidence of damage or defect; you did not achieve the business results or outcomes you hoped for after completing a course or educational program; you did not read the product description prior to purchase; the product did not meet personal expectations that were not promised in the listing; you experienced technical difficulties on your own device unrelated to our systems; your refund request is submitted after the applicable grace period or return window; your account has been suspended for violations of our Terms of Use; the purchase was made as a promotional or discounted offer specifically labeled as non-refundable; a physical product was not received due to an incorrect shipping address provided at checkout; or a physical product was lost or delayed solely due to carrier error or events outside our control.

6. How to Request a Refund To request a refund under our grace-period exception, please contact us within the applicable window by emailing kim@kimsjourneysonline.com. Please include your full name and the email address used for the purchase, the product or service name and purchase date, your order number or transaction ID found in your Payhip receipt, and a brief description of the reason for your request. We will review your request and respond within 3–5 business days. Approved refunds are typically processed back to your original payment method within 5–10 business days.

7. Subscription Cancellations You may cancel your Tasks Manager subscription at any time through your account settings or by contacting us at kim@kimsjourneysonline.com. Cancellations take effect at the end of the current billing period. You will retain access to the service through the end of your paid period. Cancellation does not automatically trigger a refund unless it falls within the grace-period exception outlined in Section 3.

8. Technical Issues & Delivery Problems If you experience a technical issue that prevents you from accessing a product you purchased — such as a broken download link, failed delivery, or system error on our end — please contact us immediately. We will make every effort to resolve the issue promptly. If we are unable to resolve it, a full refund or replacement will be offered.

9. Chargebacks & Payment Disputes We ask that you contact us directly before filing a chargeback or payment dispute with your bank or card issuer. We are committed to resolving concerns fairly and promptly. Initiating a chargeback without first contacting us may result in suspension of your account pending resolution of the dispute.

10. Changes to This Policy We reserve the right to update this Refund Policy at any time. Changes will be posted on our website and the effective date will be updated accordingly. Continued use of our services after a policy update constitutes acceptance of the revised terms.

11. Contact Us Kim's Journeys Online | Owned & Operated by Kimberly Storey 208 Timberline Lane, Princeton, Louisiana 71067 kim@kimsjourneysonline.com kimsjourneysonline.com

Effective: May 1, 2026

We are guided by this principle: Help people first, build with faith and integrity, and the right growth will follow.