Refunds & Cancellation Policy
Manage The Pennies – Last updated: 7 August 2026
This policy describes exactly how cancellations and refunds are calculated by our booking system. Refunds are worked out automatically and consistently for every booking using the rules below — there’s no manual guesswork involved.
How to cancel:
Cancel any time from your booking confirmation / self-service cancellation page. Before you confirm, you’ll be shown exactly which refund tier applies and the exact amount you’ll get back — nothing is charged or refunded until you confirm.
Refund tiers:
Your refund is calculated from how close to the course start you cancel, and how many weekly sessions have already taken place:
| When you cancel: | Refund: |
| 48 hours or more before the course’s first session: | Full refund (100%) |
| Between 1 and 48 hours before the first session: | Two-thirds refund (66.7%) |
| Less than 1 hour before the first session, or after 1–2 sessions have already taken place: | Half refund (50%) |
| After 3 or more sessions have taken place: | No refund |
“Taken place” means the scheduled session start time has passed — not whether you personally attended.
What the refund is calculated on:
Your refund percentage is applied to the total amount you’ve actually paid so far, not the full course price. If you’re on an instalment plan and haven’t reached the end of it yet, any instalments that haven’t been charged yet are simply never charged — your active instalment subscription is cancelled immediately as part of processing your cancellation, regardless of which refund tier applies.
Only the first two tiers free up your spot:
If you cancel with a full or two-thirds refund (i.e. before the course starts), your place is released back into the course’s capacity. If you cancel after the course has started (half refund or no refund), your spot is not reopened, since the course is already underway.
How refunds are paid:
Refunds go back to your original Stripe payment method automatically. Where a payment was recorded manually rather than through Stripe (for example, marked as paid by an administrator), that portion is flagged for manual follow-up and processed directly by us — you’ll still see the correct refund amount and tier in your cancellation confirmation.
Confirmation and records:
After cancelling, you’ll receive an email confirmation showing the tier applied and the exact refund amount. We keep a full internal record of every cancellation and refund (tier, amount, and outcome of each individual refund) for accounting and support purposes.
Non-refundable circumstances:
No refund applies once 3 or more weekly sessions of your course have taken place, regardless of attendance.
Contact:
If anything about a refund looks wrong, or a payment needs manual follow-up, contact us at [email protected] and we’ll sort it out directly.