Refunds & cancellations
These terms apply to paid financial advice consultations and related fees quoted by Oakminster Financial Planning. They do not cover products we do not sell through this site.
Eligibility
Fees relate to professional advice time and written deliverables. Refunds depend on how far the engagement has progressed when you cancel, and on whether a deposit was taken to reserve diary time.
Timeframe to request a refund
Contact us within 14 days of the invoice date or cancellation date (whichever is earlier) if you believe a refund or credit is due. Later requests are considered only where we have made a clear administrative error.
Full refunds
If you cancel in writing before we begin chargeable work — meaning before we start analysing your fact-find or drafting recommendations — any deposit paid solely to reserve an appointment is refunded in full within 14 working days of approval.
Partial refunds
If analysis has started but a final written plan has not been delivered, we may refund the unused portion of the fixed fee after deducting time already spent at the hourly equivalent stated in your fee letter. Partial refunds are calculated case by case and confirmed in writing.
Non-refundable items
- Fees for completed recommendation letters and delivered comprehensive reviews
- Third-party charges already paid on your instruction (for example, scheme transfer discharge fees billed by a pension provider)
- Complimentary discovery calls (no charge applies, so no refund arises)
Deposits
Where a deposit reserves a multi-meeting engagement, it is credited against the final fee. If you cancel after work has begun, the deposit may be applied to time already incurred rather than returned in full.
Cancellation and rescheduling
Please give at least two working days’ notice to reschedule an advice meeting. Meetings moved with less notice may forfeit the deposit portion allocated to that session if we cannot fill the diary slot.
No-shows
If you miss a scheduled advice meeting without notice, we may charge for the reserved time or require a new deposit before rebooking.
Work already started
Once we have opened your fact-find analysis or contacted product providers on your instruction, fees for that work are due even if you later decide not to implement recommendations.
Refund process and method
Email hello@cognitive-applications.digital with your name, invoice reference, and reason. Approved refunds are returned by the original payment method within 14 working days. Bank processing times may add a few days.
Contact for refund requests
746 Drew Cliffs, Armstrong-under-Zemlak, Wales, United Kingdom · +44-4-241-1857 · hello@cognitive-applications.digital