This Cancellation and Refund Policy applies to purchases and registrations made with Synergy Flow Collective Pty Ltd (ACN 693 377 712) (we, us, our) through simonborgolivier.com, healthhappinesslongevity.co, any related checkout pages, or via our authorised sales channels.

This policy should be read alongside our Website Terms and Conditions.

1. Australian Consumer Law

Nothing in this policy excludes or limits your rights under the Australian Consumer Law (ACL), including consumer guarantees. If a product or service has a major failure, is not provided with due care and skill, or is not as described, you may be entitled to a remedy such as a refund, replacement, repair, or cancellation, depending on the circumstances.

2. How to request a cancellation or refund

To request a cancellation, transfer, credit, or refund, email [email protected] with:

• your full name

• the email used at purchase

• your order number (or proof of purchase)

• the Offering name and date (if applicable)

• the reason for the request
  

We aim to respond within a reasonable timeframe.

3. Digital products (downloads, recordings, templates)

Change of mind

Because digital products are delivered immediately and cannot be “returned”, we do not offer refunds for change of mind after access has been provided, except where required by law.

Faulty or not as described

If a digital product is faulty, not as described, or cannot be accessed due to a problem on our side, we will provide an appropriate remedy in line with the ACL. This may include fixing access, replacing the file, or providing a refund where appropriate.

4. Online courses and programs (self-paced or hybrid)

Change of mind

If an online course includes immediate access to materials, we do not offer refunds for change of mind once access has been granted, except where required by law.

Course access issues

If you cannot access the course due to a technical issue on our side, we will work with you to restore access promptly. If we cannot reasonably resolve access, we will provide an appropriate remedy.

5. Memberships and subscriptions (including community access via Circle)

5.1 14-day money-back guarantee (memberships and individual courses)

We offer a 14-day money-back guarantee on any purchase made directly through our websites, including:

• membership subscriptions (including HHL membership access), and

• individual course purchases
  

To request a refund under this guarantee, email [email protected] within 14 days of purchase.

Please note: if a refund is issued, your access to all relevant benefits will be revoked immediately, including membership areas, community access, and any purchased course content associated with that refunded purchase.

This guarantee does not limit your rights under the ACL.

5.2 Cancellations (subscriptions)

You can cancel a subscription at any time from the Billing section of your account (where available) or by contacting us.

When you cancel:

• Your access continues until the end of your current billing cycle

• You will not be charged again after that billing period ends

• We do not provide pro-rata refunds for unused time in a billing period (unless required by law)
  

5.3 If we remove access for conduct reasons

If we suspend or remove access due to serious or repeated breaches of community rules, refunds are not provided except where required by law.

6. Live trainings, workshops, retreats and in-person events

If you cancel (participant cancellation)

If you cancel your attendance, the following applies unless the relevant event page states different terms:

• 60 days or more before start date: refund minus a reasonable admin fee of [amount] (or [percentage])

• 30 to 59 days before start date: 50% refund (or credit of the amount paid to use within 12 months)

• 14 to 29 days before start date: 25% refund (or credit to use within 12 months)

• 13 days or less before start date: no refund for change of mind (you may request a transfer; see below)
  

You may nominate a replacement attendee to take your place, subject to:

• the replacement meeting prerequisites (if any)

• us receiving the request in writing at least 48 hours before the start time

• any reasonable admin steps required to update access, tickets, or venue lists
  

Illness or exceptional circumstances

If illness, injury, or exceptional circumstances prevent attendance, contact us as soon as possible. We may offer a credit or transfer at our discretion where reasonable (for example, a medical certificate may be requested).

Travel and accommodation

Unless explicitly included in your purchase, you are responsible for your own travel and accommodation costs. We do not cover third-party costs you incur (such as flights, hotels, insurance).

7. If we cancel, postpone, or make a major change

If we cancel an event or make a major change (for example, change of location to a different city/country, or the event cannot be delivered as described), you will be offered:

• a full refund of amounts paid for the event registration, or

• a transfer to a rescheduled date or alternative Offering (if you prefer)
  

Refunds do not usually include third-party costs you incur (such as flights or accommodation), unless required by law or stated otherwise.

8. Processing refunds

Approved refunds are generally returned to the original payment method. Processing times depend on your bank and payment provider.

Any non-refundable platform fees (if separately itemised at checkout) will be handled in accordance with the terms displayed at purchase and the ACL.

9. Chargebacks and payment disputes

If you have an issue, please contact us first so we can try to resolve it quickly.

Unresolved chargebacks may result in suspension of access to digital products, courses, or memberships until the dispute is resolved.

10. Updates to this policy

We may update this policy from time to time. The current version will be published on our Website with the updated date.