The short version
Whatever we told you at checkout comes first; this page fills in the rest. Downloads are final. Sessions need a day's notice. Retreat deposits hold a place we cannot easily resell, so they stay with us, which is exactly why we ask you to insure the trip.
1. Which terms apply
We offer a range of things and they cannot all carry the same terms. The order is:
- An agreement you signed, such as a retreat Participant Agreement.
- The terms shown on the offer or checkout page when you bought.
- This policy, which governs anything the first two leave unsaid.
Prices, deposit amounts, and payment schedules are stated at the point of sale rather than here, so this page stays accurate as our offerings change.
2. Digital products and downloads
Guides, audio, video, and templates are final once delivered, because they cannot be returned. We will always put it right if you were charged twice, never received what you bought, or received a file that does not work.
3. Courses and group programs
Where we offer a satisfaction guarantee, the offer page states the window and it is the window that counts. After it closes, the sale is final. Not attending the live calls or not working through the material is not grounds for a refund. The place was held for you and the material was there.
If we cancel a program before it starts, you choose between a full refund and a credit. If we abandon one partway through, you get a pro-rated refund for the part we did not deliver.
4. Memberships and subscriptions
This includes paid access to our online community. Cancel any time and it runs to the end of the period you have paid for. We do not refund part-months or part-years, and we do not charge a cancellation fee. If you cancel within three days of a renewal you did not intend, write to us and we will refund it. Annual plans carry a fourteen-day refund window from the day of purchase or renewal.
5. Private sessions
Reschedule or cancel with at least twenty-four hours' notice and there is no charge. Inside twenty-four hours, or if nobody arrives, the session is charged in full. The time was set aside and cannot be refilled. Illness and emergencies happen; tell us and we will almost always find another time.
If we cancel on you, you get the session back or your money back, whichever you prefer. Unused sessions in a package are refundable pro-rata at the single-session rate, less sessions already used, and expire twelve months after purchase.
6. Free events
Free, so nothing to refund. Come when you like, leave when you like, no need to tell us.
7. Workshops and day events
This covers workshops held on a set date, in person or online. Cancel fourteen or more days ahead for a full refund. Between fourteen and seven days, a credit toward a future event. Inside seven days, no refund, though you are welcome to send someone else in your place. Just tell us who.
8. Weekend retreats and private ceremonies
These commit a venue and a date, so:
- The deposit holds your place and is not refundable.
- More than 45 days ahead: everything beyond the deposit comes back.
- 45 to 21 days: half of what you paid beyond the deposit comes back.
- Inside 21 days: nothing, unless we fill your place, in which case everything beyond the deposit comes back.
A private ceremony arranged for you specifically follows the same shape, with dates set in writing when we book it.
9. Destination retreats
A destination retreat is the one place where we cannot be flexible, and it is worth explaining why. Months ahead of the date we commit to the venue, reserve rooms, and pay deposits we do not get back. A small group means one empty room is a real loss we cannot spread across a crowd. So:
- The deposit is not refundable, from the moment you pay it. It is what takes the room off the market.
- More than 90 days before arrival: everything beyond the deposit comes back.
- 90 to 60 days: half of what you paid beyond the deposit comes back.
- Inside 60 days: no refund. If we fill your place from the waitlist, we return what you paid beyond the deposit, less a 15% administrative fee.
- Arriving late, leaving early, or not coming: no refund or credit, whatever the reason.
You may transfer your place to someone else up to 30 days before arrival, if we approve them and they complete the same paperwork. There is no fee for this. It is usually the best outcome for everyone.
Travel, flights, visas, insurance, vaccinations, and anything else outside what the retreat page lists as included are yours to arrange and yours to pay for. We do not refund them and we are not responsible for them.
Please insure your trip
We strongly recommend travel insurance for any destination retreat, bought soon after your deposit. It is the thing that protects you where this policy cannot: illness, a death in the family, a cancelled flight, a medical emergency abroad.
Look for trip cancellation and interruption cover, emergency medical cover valid where you are going, and evacuation cover. A "cancel for any reason" policy costs more and is the only kind that covers changing your mind. We do not sell insurance and we earn nothing from recommending it.
10. If we cancel
If we cancel a retreat for any reason within our control, whether too few registrations or our own circumstances, you choose a full refund of everything you paid us, including the deposit, or a credit toward a future retreat. That is our own money at risk and it should be.
If a retreat cannot go ahead for reasons outside anyone's control, such as a natural disaster, an epidemic, a government restriction, war, or a venue's own failure, we will move it, or refund whatever we can recover from the venue and other suppliers, after unrecoverable costs. We will show you the arithmetic. This is the case travel insurance exists for, and it is why we ask you to buy it.
We are not responsible for your flights or other travel arrangements in any of these situations.
11. If we ask you to leave
If we remove someone from an event because their behavior is harming other people, there is no refund, and any cost of getting them home is theirs. This has never happened. It is here so that everyone knows the room is protected.
12. Hardship
Life sometimes does something none of these paragraphs anticipated. Write to us and tell us what happened. We may offer a credit, or move you to a later date, at our discretion. We would rather hear from you than have you assume the answer is no.
13. Physical goods
If we ever sell physical items, return them unused within thirty days of delivery for a refund of the item price. You pay return shipping unless the item arrived damaged or wrong. Made-to-order items are not returnable.
14. How to ask, and how long it takes
Email mp@michaelandpenny.com with your name, what you bought, when, and what you are asking for. We reply within five business days. Approved refunds go back to the original payment method within ten business days, and your bank may take a few days more. Refunds are in US dollars; we cannot cover exchange-rate movement or your bank's fees.
This policy does not limit rights you have under the consumer law where you live. When we change it, the new version applies to purchases made after the date at the top, never backward to something you have already bought.