Refund Policy

Last updated: March 27, 2026

All sales of digital products are final. Because our ebooks and worksheets are delivered instantly in downloadable format, we are unable to accept returns or issue refunds for change-of-mind purchases. Please review product descriptions carefully before completing your order.

1. General Policy

The Spencer Method (thejamesspencer.org) sells digital products including PDF ebooks and financial tracking worksheets. These products are delivered electronically the moment your payment is confirmed. Due to the nature of digital goods — which cannot be returned once accessed or downloaded — all purchases are considered final and non-refundable under normal circumstances.

By completing a purchase, you acknowledge and agree that you are buying a digital product with instant delivery and that standard refund rights for physical goods do not apply.

2. When We Will Issue a Refund

While our standard policy is that all sales are final, we recognize that legitimate issues can occur. We will process a full refund in the following situations:

Duplicate charge: If your payment method was charged more than once for the same order due to a processing error, we will refund the duplicate amount.
Non-delivery: If you have not received access to your purchased files within 24 hours of payment and our support team is unable to resolve the delivery issue, you are entitled to a full refund.
Corrupted or inaccessible files: If the files you received are corrupted, damaged, or otherwise unopenable, and we are unable to provide a working replacement, we will issue a full refund.

3. When We Will Not Issue a Refund

Refunds will not be granted in the following situations:

You changed your mind after purchasing.
The content did not meet your personal expectations or preferences.
You have already downloaded or accessed the digital files.
You did not read the product description before purchasing.
You found similar information available elsewhere for free.
You purchased the wrong product (please contact us first — we may be able to help with an exchange).

4. How to Request a Refund

If you believe your situation qualifies under Section 2 above, please email us at support@thejamesspencer.org with the following details:

Your full name and the email address used at checkout.
Your order number or transaction ID from Dodo Payments.
The date of your purchase.
A brief description of the issue you encountered.

We aim to review all refund requests within 48 hours. If approved, your refund will be processed back to your original payment method within 5–10 business days, depending on your bank or card issuer.

5. Refund Processing

All payments are handled through Dodo Payments. Approved refunds are initiated on our end and returned to the original payment method used during checkout. The exact timeline for the funds to appear in your account depends on your financial institution and is outside our control.

Chargeback Warning: Filing a chargeback or payment dispute with your bank or card issuer instead of contacting us directly is considered a violation of these terms. Chargebacks initiated without first attempting to resolve the issue through our support team may result in permanent suspension of your access to all Spencer Method products and services. If you are experiencing a legitimate issue, please reach out to us at support@thejamesspencer.org — we are committed to resolving problems quickly and fairly.

6. Contact Us

For any questions about this Refund Policy or to submit a refund request, please contact us:

Email: support@thejamesspencer.org
Website: thejamesspencer.org