Refund Policy
Because we sell paid advisory consultations and planning engagements, this page sets out when a refund applies, how cancellations and rescheduling work, and what is non-refundable once work has started.
1. Who this applies to
This policy applies to anyone who has signed an engagement letter and paid a fee for a retirement planning consultation or engagement with NetAnchor Financial Planning Co., Ltd.
2. Free cancellation window
You may cancel an engagement in full, with a complete refund, provided you cancel before the analysis phase has begun — that is, before we have started modelling your cashflow and drawdown. In practice this means cancellation is free up to the point we confirm your intake is complete and begin the analytical work.
3. Eligible refunds
- Full refund — if you cancel before the analysis phase begins, or if we are unable to begin the engagement at all.
- Partial refund — if you cancel after the analysis phase has begun but before the plan presentation, a refund of 50% of the engagement fee applies, reflecting the work not yet delivered.
- No refund — after the plan presentation has been delivered, the engagement is complete and the fee is non-refundable.
4. Non-refundable items
- The single-session Retirement Readiness Review is non-refundable once the 90-minute session has taken place, but may be rescheduled free of charge with at least 24 hours' notice.
- Any engagement terminated due to information you did not disclose that materially changes the plan is non-refundable for the work already completed.
5. Rescheduling
Sessions may be rescheduled at no cost with at least 24 hours' notice. Rescheduling requests with less than 24 hours' notice may, at our discretion, be treated as a no-show.
6. No-shows
If you do not attend a scheduled session and give no notice, the session is counted as delivered for single-session reviews. For full engagements, a missed plan-presentation session is rescheduled once at no cost; a second missed session is billed at THB 1,500 to cover the planner's time.
7. Deposits
We do not take deposits. The full engagement fee is invoiced after you approve the engagement letter and before the analysis phase begins.
8. Work already started
If you cancel after the analysis phase has begun, the partial refund in section 3 accounts for work already performed. We retain the modelling, drafts and notes for the work completed up to cancellation, and provide them to you on request.
9. Processing time and method
Approved refunds are processed within 14 calendar days to the original Thai bank account that paid the invoice. No refund is paid to a third-party account.
10. How to request a refund or cancellation
Email info@netanchor.click or call +66-53-219-684 with your engagement reference. We confirm receipt within two business days.
11. Exceptions
Where a refund request falls outside this policy, write to us with the circumstances and we will review it in good faith. Nothing in this policy limits any statutory right you may have under Thai consumer-protection law.
Cancellation timeframes and the partial-refund percentage above are standard market-consistent terms proposed pending business confirmation; they are recorded as such in our internal build record.