1. Introduction
At SummitYears, we offer access to digital content and informational services related to retirement planning. Since our services are delivered electronically and do not involve the shipment of physical goods, our return and refund terms are tailored accordingly. This Return & Refund Policy explains how we handle service-related concerns and what options are available in the event of dissatisfaction or technical issues.
We aim to resolve concerns in a respectful, timely, and fair manner.

2. Digital Nature of Services
All SummitYears services, including access to planning materials, resources, and tools, are delivered via digital means.Once access is granted or resources are viewed/downloaded, they are considered “used,” and therefore non-refundable, unless otherwise specified in writing.
We do not sell physical products and therefore do not accept physical returns.

3. Eligibility for Refund
Refunds May Be Granted If:

The digital service was not delivered as intended due to a technical issue on our side
You were unable to access the content despite reasonable troubleshooting
The issue is reported within 7 calendar days of the original transaction date
You provide a clear explanation and any necessary documentation upon request

Refunds Are Not Available If:

You changed your mind after access was provided
You failed to read the service description prior to use
The issue is unrelated to platform performance

We reserve the right to assess each case individually and decline refund requests that do not meet the above criteria. Refund decisions are final and will be communicated to you in writing.

4. Requesting a Refund
To initiate a refund request, please email us at [email protected] with the subject line “Refund Request.” Include the following information:

Your full name
Date of purchase or access
Description of the issue
Any supporting screenshots or documentation

We aim to respond to refund inquiries within 5 business days. Approved refunds will be processed using the same payment method used for the original transaction.

5. Contact Information
If you have any questions about our refund policy or need assistance, please reach out to us directly:

SummitYears
📍 9650 Av. Papineau, Montréal, QC H2B 1Z7, Canada
📞 +1 438-385-1602
✉️ [email protected]