Legal
Refunds, cancellations & rescheduling
These terms apply to paid advisory engagements with Kingsmere Wealth Consulting — discovery calls remain free and are not invoiced.
Eligibility overview
Refunds depend on how far an engagement has progressed. Fees cover professional time for document review, meetings, modelling, and written recommendations — not physical goods or software subscriptions.
Timeframe to request a refund
Contact us within 14 days of the event giving rise to your request (for example a cancellation you initiate, or a delivery issue with the written pack). Later requests are considered only where required by law or where we agree in writing.
Full refunds
A full refund of fees paid is available if you cancel in writing before we begin document review and before the first paid review meeting is held. Deposits paid against an accepted engagement letter are returned in full under the same condition.
Partial refunds
If work has started — for example statements have been reviewed or modelling has begun — we may refund the unused portion of the fee after deducting time already spent at the rates implied by your engagement letter. You will receive a short statement of work completed.
Non-refundable items
- Time already spent on document review, meetings, or drafting once those stages have occurred
- Third-party illustration or valuation costs we have paid on your written instruction
- Engagements completed and delivered where the written pack has been issued as scoped
Deposits
Flagship Comprehensive Wealth Reviews may require a deposit on acceptance. The deposit is applied to the final invoice. It is refundable if you cancel before work begins, as described above.
Cancellation by you
Email hello@securenetiq.digital with your name, engagement reference if issued, and preferred outcome (cancel, reschedule, or pause). We will confirm the fee implications within five working days.
Cancellation by us
If we cannot complete an engagement due to capacity, conflict of interest, or regulatory constraint, we will refund fees for undelivered work and explain the reason in writing.
Rescheduling
Review meetings may be rescheduled once without charge if you give at least 48 hours’ notice. Shorter notice may incur a rescheduling fee of £75 to cover diary disruption, waived at our discretion for emergencies.
No-shows
If you miss a booked review meeting without notice, we may charge for the reserved time or deduct it from a deposit. A new meeting is arranged only after that charge is settled or waived.
Work already started
Once document review or drafting has begun, fees reflect progress. You remain entitled to any work product already prepared for the stages completed, subject to regulatory constraints on incomplete advice.
Refund process & method
Approved refunds are processed to the original payment method within 14 working days of approval. Bank transfers may take longer depending on your provider. We will confirm the amount in writing before payment leaves our account.
Processing time
Assessment of a refund request typically takes up to five working days after we receive complete information.
Contact for refund requests
Email hello@securenetiq.digital or write to 9935 W High Street, Castle Murphy, Northern Ireland, United Kingdom. Phone: +44-9-044-6284.
Exceptions
Statutory rights under UK consumer law remain unaffected. These terms do not apply to unpaid discovery calls, journal articles, or informational website content.