Refund Policy

General Policy

Palmelle provides professional advisory, informational, and platform services. Because our services involve the allocation of time, expertise, and resources at the moment of delivery, all sales are generally final once a service has been rendered, initiated, or accessed.

By purchasing or using any Palmelle service, you acknowledge and agree to the terms of this refund policy. We encourage all customers to review service descriptions carefully before completing a purchase.

No Refund Circumstances

Refunds will not be issued in the following circumstances:

• The service has been delivered or substantially initiated
• Digital content, reports, or advisory outputs have been accessed or downloaded
• A scheduled session or consultation has commenced
• The customer changes their mind after purchase
• The customer is dissatisfied with a professional opinion or recommendation that was provided as described
• The customer fails to use a purchased service within any applicable timeframe
• Partial use of a bundled or multi-part service

Exceptions

Palmelle will consider refunds only in the following limited circumstances:

• Service not delivered: A paid service was never initiated or delivered due to an error on our part
• Duplicate charge: A technical error resulted in the same transaction being charged more than once
• Unauthorized transaction: A charge was made without your authorization, subject to verification
• Material misrepresentation: The service delivered was materially and substantially different from its published description

How to Submit a Request

To request a refund, contact us at hello@palmelle.com within 7 days of the transaction date. Include your name, the date of purchase, a description of the service, and the reason for your request. Requests submitted after 7 days will not be considered.

We will acknowledge your request within 2 business days and communicate a decision within 5 business days. If approved, refunds are processed to the original payment method within 5–10 business days.

Chargebacks

We ask that customers contact us directly before initiating a chargeback or dispute with their card issuer or payment provider. We take all complaints seriously and will work to resolve issues in good faith. If a chargeback is initiated without first contacting us, we reserve the right to provide transaction records, communications, and service documentation to the relevant payment processor or financial institution.

Subscription & Recurring Services

If Palmelle offers subscription-based services, customers may cancel at any time. Cancellation stops future billing but does not entitle the customer to a refund for any current or prior billing period already paid. Access to subscription benefits continues until the end of the paid period.

Policy Updates

Palmelle reserves the right to modify this policy at any time. Updates will be posted to this page with a revised effective date. Continued use of our services following any update constitutes acceptance of the revised policy. For material changes, we will make reasonable efforts to notify active customers in advance.

The current version of this policy is always available at palmelle.com/legal/returns.