Refunds and Shipping PolicyDr. Keith Scott-Mumby, Scott-Mumby Wellness and related publishing entities.Digital Download ProductsIn general, we have a very liberal refund policy. If your request for a refund falls within the allocated guarantee/review period, you only have to ask. The correct way to get a refund is ask us, by email or telephone. If you try to take a chargeback with your credit card company, you will likely lose. We have lost only 2- 3 such disputes over a period of years. It is unfair to request your refund that way because it causes a lot of extra work for us and threatens our reputation as honest traders. In general, we resist blatantly dishonest refund requests. We are decent, hard working people and resent attempts to pull a fast one at our expense. Physical ItemsYou cannot ask for a full refund on items that are showing signs of use or damage. The goods must be in re-marketable condition when you return them to us. The exception is where you received the goods in damaged, unusable condition. Even in this instance, you must still return the goods. We want to see the damage and will promptly refund you, including return shipping, as soon as we agree with your request. Your must return physical goods for a refund within 30 days of your purchase. Restocking FeeReturned items, other than goods received in a damaged or unusable condition, are subject to a 10% restocking fee, this will be deducted from your refund. We also do not refund the original shipping and handling that you paid on the order. The exception, as before, is when the goods were received by you in damaged or unusable condition. Lost Or Damaged In ShippingItems do occasionally go astray during shipment. Please contact us if the delay in receiving shipped items seems excessive. If we are satisfied that you did not receive the goods, we will replace the item, or refund you, at our discretion. Where shipped goods are insured, we expect you to cooperate in making an insurance claim. This may require you to provide a written report and sometimes photographic evidence of damage during shipment. Please be helpful in this, even though it is clearly inconvenient. Payment PolicyAccepted Methods of PaymentCredit Cards (Visa, Master Card, American Express, Discover) Credit Card ChargesYour credit card will be charged when you place your order. If we are not able to fulfill your order for any reason your credit card will be refunded. Shipping Policy
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