Refund & Cancellation Policy

Version 1.0 · Effective 28 May 2026

This policy applies to all products and services offered by Advisory Stack: consumer subscriptions, business workspace subscriptions, tax-agent firm subscriptions, the One-off Tax Strategy Report, and consultations. Refund requests are handled by emailing billing@advisorystack.com.au. We aim to respond within 5 business days.

1. Consumer subscriptions

30-day money-back guarantee from your first payment on a paid consumer tier. Refund is the full amount paid for the current billing period.
Cancel anytime via the billing portal in your account. Cancellation takes effect at the end of the current billing period; you keep access until then.
Annual plans: pro-rated refunds on unused full months after the 30-day window, where required by the Australian Consumer Law (ACL).

2. Business workspace subscriptions

Monthly billing: cancels at the end of the current billing period; workspace data remains accessible for 30 days after cancellation for export.
Annual plans: cancel at renewal; pro-rated refunds where required by ACL (e.g. major service unavailability for an extended period).

3. Tax-agent firm subscriptions

Monthly subscriptions cancel at the end of the current period.
Annual plans cancel at renewal; pro-rated refunds for unused full months where required by ACL.
Usage charges (storage overage, seat overage) already invoiced for a closed billing period are non-refundable, unless they result from a billing error on our part.

4. One-off Tax Strategy Report ($69)

Before submission: full refund on request — we have not yet incurred reviewer cost.
After submission, before reviewer assignment: full refund on request.
After reviewer assignment, before delivery: partial refund (50%) if delivery is cancelled by you, since reviewer time has already been allocated.
After delivery: full refund within 7 days of delivery if the report does not reasonably reflect what you submitted, or contains material factual error. Email billing@advisorystack.com.au with the specific issue; we'll route it to the reviewer's lead for a 5-business-day response.
You retain the delivered PDF for your records even if a refund is issued.

5. Consultations (1-on-1 sessions)

Cancellation 24+ hours before the scheduled session: full refund.
Cancellation under 24 hours: refundable at the agent's discretion; the agent has already blocked time on their calendar.
No-show: non-refundable unless extenuating circumstances apply.
Completed sessions: non-refundable. If the service was not what was agreed, contact the agent first; unresolved within 21 days, refer to Advisory Stack at billing@advisorystack.com.au; unresolved beyond that, refer to the TPB (tpb.gov.au/complaints) for conduct issues.

6. Statutory rights (Australian Consumer Law)

Nothing in this policy limits your rights under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010). You may be entitled to a refund, replacement, repair, or compensation under the consumer guarantees if a service is not delivered with due care and skill, fit for a disclosed purpose, or within a reasonable time. These rights apply in addition to (not instead of) anything in this policy.

7. How to request a refund

Email billing@advisorystack.com.au with: (a) the email address on the account, (b) the product or invoice ID, (c) a brief description of the issue. We'll respond within 5 business days with a decision and, if approved, process the refund to the original payment method within a further 5 business days.