Effective date: July 31, 2026

1. Digital Product Purchases

Before They Call guides are downloadable digital products. Customers receive access to the purchased files shortly after payment is completed.

Because digital products cannot be physically returned and may be accessed or downloaded immediately, sales are generally final once product access has been provided.

Nothing in this Refund Policy limits any non-waivable rights provided by applicable consumer law.

2. Circumstances We Will Review

Kunkel Group will review a refund or replacement request when:

• You were charged more than once for the same purchase
• You received a product different from the one ordered
• The supplied file is corrupted or materially defective
• A Store error prevents you from accessing the product
• The product description materially misrepresented what was delivered
• Applicable law requires a refund

We will normally attempt to correct download or file-access problems before issuing a refund.

3. Circumstances That Generally Do Not Qualify

Refunds generally will not be provided because:

• You changed your mind
• You no longer need the product
• You did not read the product description before purchasing
• You expected personalized consulting, implementation, or technical support that was not included
• You decided not to use or complete the guide
• You lack the software, device, internet access, or technical ability needed to open a standard PDF
• You disagree with the guide’s recommendations or conclusions
• You expected a particular financial, marketing, search, or business result
• You purchased an individual guide and later decided that the bundle would have been a better value
• You purchased the bundle but used only one or two of the included guides

Partial refunds are not provided for individual components of a bundle.

4. Requesting Assistance or a Refund

Contact kunkel.sk@gmail.com within seven calendar days of purchase.

Include:

• Your name
• Email address used at checkout
• Order or receipt number
• Product purchased
• Description of the problem
• Any relevant screenshot or error message

For technical problems, we may ask you to:

• Try the download again
• Use another browser or device
• Check spam or junk folders for the receipt
• Confirm that the email address entered at checkout was correct
• Follow replacement-download instructions

Where applicable law provides a longer request period or additional rights, applicable law controls.

5. Approved Refunds

Approved refunds will be returned to the original payment method.

Kunkel Group can initiate an approved refund, but Stripe, your bank, and your card issuer control how quickly the credit appears. Processing times may vary.

Original currency-conversion charges, bank fees, or other third-party charges may not be refundable by Kunkel Group.

6. Chargebacks and Payment Disputes

Please contact us before initiating a chargeback or payment dispute. Most download, duplicate-charge, and product-delivery problems can be resolved directly.

Filing a chargeback after receiving and retaining the digital product may result in suspension of product access and submission of order, delivery, download, and communication records to the payment processor.

7. Contact

Refund and product-access requests should be sent to:

Kunkel Group, LLC

Email: kunkel.sk@gmail.com