1. Summary
You may cancel for a full refund within 5 business days of enrollment, as long as your first educational session has not yet taken place and your assessment materials have not been delivered.
After that, refunds are prorated based on the educational services and materials already delivered, as set out below.
2. Full refund window
If you cancel within five (5) business days of your enrollment date and we have not yet delivered your Financial Wellness Assessment, workbook, or first one-on-one session, you will receive a 100% refund of the program fee. No reason is required.
3. Prorated refunds after services begin
Once educational delivery has begun, we refund the portion of the program fee attributable to services and materials not yet delivered. We calculate this as follows:
- Assessment and workbook delivered, no sessions held — refund of 75% of the program fee.
- Up to 25% of the program's sessions held — refund of 60% of the program fee.
- 26%–50% of the program's sessions held — refund of 35% of the program fee.
- 51%–75% of the program's sessions held — refund of 15% of the program fee.
- More than 75% of the program's sessions held — no refund, as the program has been substantially delivered.
For the 90-day Financial Wellness Academy, the Financial Readiness Program, and the Business Financial Education Academy, the percentages above are calculated against the number of sessions and progress reviews described in that program's listing.
4. What is not refundable
- Sessions you attended, and educational materials already delivered to you.
- Sessions missed without at least 24 hours' notice, which are treated as delivered.
- Interest or fees charged by a third-party financing provider, which are owed to that provider and are outside our control.
5. No refunds based on financial outcomes
Because our programs are educational, refunds are not available on the basis that a credit score did not increase, that financing or business funding was not approved, that a particular credit limit was not granted, or that any other financial outcome did not occur. We do not make lending decisions and cannot influence the decisions of banks, lenders, or credit bureaus. Please see our Terms of Service and the disclosures on our programs page.
6. How to request a cancellation or refund
Email soe_dieguez@yahoo.com with the subject line "Cancellation request," including your name, the program you enrolled in, and your enrollment date. You may also call (786) 670-2845 during business hours, but please follow up in writing so we have a record of the date.
Your cancellation is effective on the date we receive your written request.
7. How refunds are issued
Approved refunds are issued to the original payment method within ten (10) business days of approval. Depending on your bank or card issuer, it may take an additional few business days to appear on your statement.
8. If you paid over time with Affirm
If you financed your program through Affirm or another pay-over-time provider, we issue the approved refund amount to that provider, not directly to you. The provider then adjusts your payment plan and refunds any amount you have already paid, according to its own policies. Interest already accrued on your plan is set by the provider and is not refunded by us.
You remain responsible for payments to the provider until the refund is processed and your plan is adjusted. Contact Affirm directly for questions about your payment plan.
9. If we cancel or reschedule
If we cancel a program before delivery begins, or cannot reasonably continue delivering it, you will receive a full refund of the undelivered portion. If we need to reschedule a session, we will offer you the next available time at no additional cost.
10. Chargebacks
If you believe a charge is incorrect, please contact us first. We will review the enrollment record and respond within five business days. Filing a chargeback before contacting us delays resolution for everyone involved.
11. Contact
Diéguez Smart Solutions
109 Contee Dr, Lehigh Acres, FL 33936, United States
Email: soe_dieguez@yahoo.com
Phone: (786) 670-2845