Ripple Financial Planning

Refund

Refund policy

This policy sets out when and how a fee paid to Ripple Financial Planning Co., Ltd. for a household budget plan, an emergency-fund plan, or a combined plan may be refunded. The terms below are standard market-consistent terms; they are proposed pending business confirmation, and we will point you to this page before any payment is taken.

Eligibility

A fee is refundable in the following situations:

  • You cancel the engagement in writing before the discovery session has started.
  • We cancel the discovery session or the engagement on our side and cannot offer a reasonable alternative date.

A fee is partially refundable where work has started but has not been completed, as set out below.

Timeframes

  • Cancellation before the discovery session: a full refund if you cancel at least 24 hours before the scheduled session time; a 50% refund if you cancel within 24 hours of the scheduled session time.
  • Cancellation after the discovery session, before the written plan is delivered: a 50% refund of the engagement fee, because the discovery session itself represents work performed.
  • After the written plan is delivered: the fee is not refundable, because the engagement has been completed.

Non-refundable items

The following are not refundable:

  • The discovery session, once it has been held, is treated as performed work and is not separately refundable.
  • The written plan, once delivered, is not refundable.
  • Any bank or payment processing fee charged to process a refund is deducted from the refunded amount where the relevant payment network applies such a charge.

Process

To request a refund:

  1. Email info@ripple-runtime.digital with the subject “Refund request” and the name and date of your engagement, or call +82-2-548-7316 during business hours.
  2. We confirm receipt within two business days and confirm whether your request meets the conditions above.
  3. Where a refund is due, we process it within 10 business days of confirmation.

Refund method

Refunds are returned to the original payment method you used to pay the fee. Where that is not possible (for example, a closed account), we arrange an alternative transfer to a Korean bank account in your name.

Cancellation and rescheduling

You may reschedule a discovery session once at no charge by emailing or calling at least 24 hours before the scheduled time. A second rescheduling is treated as a cancellation under the timeframes above, and you may book a new session separately.

Deposits

If a deposit is taken to hold a session time, it is refunded in full if you cancel at least 24 hours before the session, and forfeited if you cancel within 24 hours. Whether a deposit is taken, and its amount, is confirmed in writing before booking.

No-shows

If you do not attend a scheduled discovery session and have not cancelled or rescheduled at least 24 hours in advance, the session time is treated as performed, and any deposit or session fee for that session is not refundable.

Work already started

Where we have begun preparing a written plan after the discovery session, and you cancel before delivery, the partial refund above (50%) applies, because preparatory work has been performed.

Exceptions

Where a refund request falls outside the conditions above — for example, a documented error on our side, or a serious illness or emergency — write to us with the details and we will review it in good faith and respond within five business days.

Contact for refund requests