Legal

Refund policy

This policy sets out when a consultation fee can be refunded, how to request a refund, and the rules for cancellation, rescheduling and no-shows. It applies to any paid consultation you book with Terra Home Finance Planning.

Service provider

Terra Home Finance Planning Co., Ltd. (บริษัท Terra Home Finance Planning จำกัด)

Email

info@terra-console.digital

Phone

+66-2-527-6815

Eligibility

A consultation fee is refundable when you cancel a booked session with enough notice, as set out below. A fee is not refundable once a session has started or has been completed, because the planning work is delivered in the session itself.

Timeframes

• More than 48 hours before the session: full refund, or reschedule at no cost.
• 24 to 48 hours before the session: reschedule at no cost, or a 50% refund.
• Less than 24 hours before the session, or no-show: no refund, but one reschedule is offered at half the session fee.

These timeframes are standard market-consistent durations. They are logged as proposed, pending business confirmation, and will be confirmed in writing at the time you book.

Full and partial refunds

• A full refund applies when you cancel with more than 48 hours' notice and choose not to reschedule.
• A partial refund (50%) applies when you cancel between 24 and 48 hours before the session and choose not to reschedule.
• A reschedule at no cost is offered in place of either refund, if you prefer.

Non-refundable items

• Any session that has already started or been completed.
• A no-show, or a cancellation with less than 24 hours' notice, except for the one discounted reschedule above.
• Written plans, worksheets and schedules already delivered to you — these are yours to keep regardless of refund.

Deposits

For a multi-session engagement such as the affordability roadmap, a deposit may be taken to secure the booking. The deposit follows the same cancellation timeframes above. The deposit is not an extra charge: it is credited against the total fee once the engagement begins.

Work already started

For a multi-session engagement, if you cancel after the first session but before the engagement is complete, the fee for sessions already delivered is non-refundable. Any fee paid for sessions not yet delivered is refunded in proportion to the work remaining.

How to request a refund

To request a refund or reschedule, email info@terra-console.digital or call +66-2-527-6815 with your booking reference. Please include the session date and the reason for the request.

Processing time and refund method

• Refunds are processed within 14 days of an approved request.
• Refunds are returned to the original payment method you used to pay the fee.

Exceptions

If a session is cancelled or rescheduled by us, you may choose a full refund or a rescheduled session at no cost, regardless of notice period. If exceptional circumstances (such as a medical emergency, documented and notified as soon as possible) prevent you from attending, contact us and we will treat the case on its merits.