Refund & Cancellation Policy

Effective Date: November 13, 2024
**Last Updated:** November 13, 2026
 
At www.ericahostettler.com, operated by EmpowHERed & Encouraged LLC ("Company," "we," "our," or "us"), we are committed to providing valuable educational resources, courses, programs, memberships, and experiences. We believe in transparency and want every customer to understand our purchase, refund, and cancellation policies before completing a transaction. Please carefully review this Refund & Cancellation Policy before purchasing any product or service through our website.

# 1. All Sales Are Final — No Refunds **ALL SALES ARE FINAL. WE DO NOT OFFER REFUNDS, RETURNS, OR EXCHANGES FOR PURCHASED PRODUCTS, PROGRAMS, OR SERVICES, EXCEPT WHERE REQUIRED BY APPLICABLE LAW OR EXPRESSLY STATED IN A SPECIFIC WRITTEN OFFER OR AGREEMENT.** This policy applies to all purchases through Erica Hostettler and EmpowHERed & Encouraged LLC, including: - Digital products, downloads, guides, and workbooks - Bible studies and faith-based educational resources - Online courses, workshops, and challenges - Discipleship programs, mentoring, and group coaching - Memberships and subscription-based offerings - Entrepreneurship and real estate education - Retreats, events, and in-person experiences, subject to any separate written event cancellation terms By completing a purchase, you acknowledge that you have reviewed the product description, understand what is included, and agree to the applicable purchase terms.

# 2. No Guaranteed Results **WE DO NOT GUARANTEE SPECIFIC RESULTS, OUTCOMES, EARNINGS, FINANCIAL SUCCESS, PERSONAL TRANSFORMATION, OR SPIRITUAL GROWTH FROM ANY OF OUR PRODUCTS, PROGRAMS, OR SERVICES.** Results vary based on individual circumstances, experience, effort, commitment, and other factors beyond our control. Purchasing or participating in a program does not guarantee that you will achieve your desired results. Refunds will not be issued solely because: - You did not achieve your desired results. - You changed your mind after purchasing. - You did not participate in or complete the program. - You did not use or access the purchased materials. - Your personal circumstances, priorities, or schedule changed. - The program did not meet your personal expectations. Nothing in this section limits any rights or remedies that cannot legally be waived.

# 3. Digital Products and Online Courses Due to the digital nature of our products and the immediate or scheduled access provided, all purchases of digital downloads, Bible studies, workbooks, courses, and educational resources are final. Once a purchase has been completed, no refunds or exchanges will be provided except where required by law or expressly stated in the applicable written offer. Customers are responsible for reviewing product descriptions, access requirements, and program details before purchasing.

# 4. Payment Plans and Installment Agreements If you select a payment plan, you agree to pay the full purchase price according to the installment schedule accepted at checkout. **A payment plan is a commitment to pay the full agreed purchase price, not a pay-as-you-go arrangement, unless expressly stated otherwise in writing.** You remain responsible for all scheduled payments even if you: - Stop participating in the program - Do not complete the course or membership period - Choose not to access the purchased materials - Experience a change in personal or financial circumstances - Decide the program is no longer a good fit Failure to make scheduled payments may result in suspension or termination of access, subject to applicable law and the terms of your purchase agreement. Cancellation of participation does not automatically cancel an outstanding installment agreement.

# 5. Memberships and Recurring Subscriptions For memberships and services billed on a recurring basis, customers may cancel future renewals according to the cancellation instructions provided at enrollment or through their account. Unless otherwise required by applicable law or expressly stated in writing: - Cancellation stops future recurring charges after the cancellation becomes effective. - Payments already processed are nonrefundable. - Access continues through the end of the paid billing period unless the specific membership terms state otherwise. - Cancellation does not automatically refund prior charges. Recurring subscriptions are different from installment payment plans. Canceling a subscription does not cancel a separate outstanding payment-plan obligation. To request assistance with canceling a subscription, contact **empowher@ericahostettler.com**.

# 6. Retreats, Workshops, and In-Person Events Registration fees and payments for retreats, workshops, and in-person experiences are nonrefundable unless required by law or otherwise provided in the specific event's written terms. Because event planning may involve venue reservations, accommodations, materials, catering, and other advance expenses, participant cancellations do not automatically qualify for refunds. If an event is canceled or materially changed by EmpowHERed & Encouraged LLC, we will communicate the available options and provide any refund or other remedy required by applicable law and the event's written terms. Any event-specific transfer, cancellation, or rescheduling arrangements will be described in the applicable event registration terms.

# 7. Chargebacks and Payment Disputes If you believe you have been charged incorrectly, please contact us at **empowher@ericahostettler.com** so we can review and attempt to resolve the issue. We encourage customers to contact us before initiating a payment dispute. We reserve the right to provide relevant transaction records, purchase agreements, and proof of product or service delivery when responding to payment disputes. Nothing in this policy limits your legal rights to dispute unauthorized or otherwise legally disputable charges.

# 8. Customer Responsibility Before purchasing, you are responsible for reviewing the description, price, payment schedule, access terms, and any additional conditions applicable to the product or service. By purchasing, you acknowledge that you understand the terms of your purchase and the Company's refund and cancellation policies.

# 9. Exceptions Required by Law Nothing in this Refund & Cancellation Policy is intended to waive, restrict, or exclude any consumer rights or remedies that cannot legally be waived. If applicable law requires a refund, cancellation right, or other remedy, we will comply with those requirements.

# 10. Changes to This Policy We reserve the right to update this Refund & Cancellation Policy as our business, products, and services evolve. Any changes will be posted on this page with an updated revision date. Changes will not retroactively alter completed purchases where doing so would violate applicable law or the terms agreed to at purchase.

# 11. Contact Information For questions regarding purchases, billing, cancellations, or this Refund & Cancellation Policy, please contact: Erica Hostettler -  EmpowHERed & Encouraged LLC
Email: empowher@ericahostettler.com
Website: https://www.ericahostettler.com
This policy should be read together with our Terms of Use, Privacy Policy, Disclaimer, and any additional terms applicable to a specific purchase.
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