Refund & Cancellation Policy

Effective date: 13 November 2026

This policy forms part of the Terms of Use and Sale. It applies to purchases from Ryan Babbage, an individual trading as a sole trader in Australia (ABN 40 844 930 305, registered for GST).

1. Your rights under consumer law come first

Nothing in this policy excludes, restricts or changes any right or remedy you have under the Australian Consumer Law or any other law that cannot lawfully be excluded, including the consumer guarantees described in clause 3 of the Terms. If a product or service is faulty, is not as described, or was not provided with due care and skill, please contact me at [email protected] and I will provide the remedy the law requires.

2. Paid reports

Change of mind. Because a report is produced and delivered automatically within minutes of payment, I do not offer refunds simply because you have changed your mind after it has been delivered.
Report not delivered or not produced correctly. If your report does not arrive, cannot be opened, or was not generated correctly from your answers, contact me and I will re-send or regenerate it. If I cannot, I will give you a full refund.
Two-report orders. If the second review has not been submitted, you can ask me at any time within 90 days of payment to refund the unused report: A$220 (A$539 less A$319) or US$130 (US$320 less US$190). If you have not submitted it by day 90, I will make that refund automatically.
Effect of a refund. When a report order is refunded in full, its Session discount code is cancelled, unless it has already been used, and its downloads are disabled. A partial refund leaves the discount code unchanged.

3. Executive Decision Sessions and the Three-Pack

Rescheduling by you. You can reschedule free of charge with at least 48 hours' notice before the start time, through the booking link or by email.
Cancellation by you. You can cancel a session that has not yet taken place with at least 48 hours' notice and receive a full refund of the amount you paid.
Late changes and non-attendance. If you reschedule or cancel with less than 48 hours' notice, or do not attend, the session is treated as delivered. Once per purchase, if the late change is caused by illness or a genuine emergency and you tell me before the start time, I will reschedule at no charge.
If I am late or the call fails. If I am more than 15 minutes late, or the session cannot go ahead because of a technical problem on my side, I will reschedule at no charge.
Three-Pack. Sessions must be used within 90 days of purchase. If you ask before the 90 days end, I will extend this by 30 days. If any session could not be used because I was unable to offer you at least three workable times during that period, I will refund A$1,416.67 or US$841.67 for each such session. Otherwise, sessions not used by the end of the period lapse.
Cancelling a Three-Pack. You can cancel the unused sessions of a Three-Pack with at least 48 hours' notice before the next booked session. I will refund what you paid, less A$1,650 or US$990 for each session already held.
Sessions paid for with a discount code. A session paid for partly with a report discount code is treated as one purchase at the amount you actually paid. If you cancel it with at least 48 hours' notice, I will refund that amount and reinstate the discount code until its original expiry or 14 days after the cancellation, whichever is later.

4. Decision Clinic

Transfer or refund. With at least 48 hours' notice before the Clinic starts, you can transfer your seat to a later month's Clinic or receive a full refund.
Sending a colleague. You can send someone from your organisation in your place at any time. Please tell me their name and email address before the Clinic starts.
Late changes and non-attendance. With less than 48 hours' notice, or if you do not attend, the seat is treated as used and no refund or transfer is available.
Minimum numbers. Each Clinic runs with at least 4 participants. If fewer than 4 seats are booked 72 hours before it starts, I will tell you by email and you can transfer to another Clinic or receive a full refund.
If I cancel or move a Clinic, you can transfer to another Clinic or receive a full refund for that seat.

5. UK and EU consumers: your right to withdraw

If you are a consumer in the United Kingdom or the European Union (buying for personal rather than business purposes), you have the following rights in addition to this policy.

Paid reports. Before paying, you ask for your report to be delivered immediately and acknowledge that you lose your right to withdraw once it is delivered. I confirm this in your delivery email.
Sessions and Clinics. You can withdraw within 14 days of purchase without giving a reason, and I will refund you in full. If you ask for a session or Clinic to take place within those 14 days and it has taken place, you lose the right to withdraw for that session or seat.
How to withdraw. Use the "Withdraw from contract here" link at the foot of the site or in your order emails, or email [email protected] with your name, the email address you used and what you bought. I will acknowledge your withdrawal by email.

6. Rescheduling or cancellation by me

If I need to move a session, I will offer you a new time as soon as I can. If no suitable time can be found, or I cancel, you will receive a full refund for that session.

7. Workshops, Strategy Days, team licences and The Gulf Decision

Cancellation, refund and substitution terms are set out in the proposal or agreement for that engagement.

8. How refunds are paid

Approved refunds are returned to the original payment method through Stripe, in the currency of the original charge, within 10 business days of approval. I bear Stripe's processing fees; they are not deducted from your refund. Your bank's fees and any exchange-rate difference since you paid are outside my control.

9. How to ask

Email [email protected] with your name, the email address you used and what you bought. I will acknowledge your request within two business days.