Refund Policy

Effective date: July 28, 2026

This Refund Policy governs all purchases of the 5-Day Paycheck Replacement Challenge (the "Product"), a digital educational product sold by Regalis Capital ("Regalis Capital," "we," "us," or "our"). By purchasing the Product, you agree to the terms below. Please read this policy in full before you buy. If you do not agree to these terms, do not complete your purchase.

1. Summary of your refund right

You may request a refund within 7 calendar days of your purchase, subject to the conditions in this policy. After the 7-day window closes, no refunds are available under any circumstances, except where required by applicable law. Valid refund requests are processed within 72 business hours of receipt.

2. The 7-day refund window

You may request a refund for the Product within 7 calendar days from the date and time of purchase. We measure the window as follows:

• The window opens at the date and time your payment is successfully completed, as recorded by our payment processor at the point of checkout.
• The window closes at the end of the 7th calendar day after that timestamp. Calendar days are counted in full, including weekends and holidays.
• A refund request is timely if we receive your first email asking for a refund, sent to support@regaliscapital.com, before the window closes. We judge the deadline by the date and time we receive that first email. The extra details in Section 3 help us verify your order faster, but they are not required for your email to count as timely.
• The transaction record kept by our payment processor is the authoritative record of your purchase date and time.

After the 7-day window closes, you are not eligible for a refund under this policy, except where required by applicable law. This applies regardless of whether you have opened, accessed, downloaded, viewed, completed, or used any part of the Product.

3. How to request a refund

To start your refund, send an email to support@regaliscapital.com within the 7-day window that clearly asks for a refund. That is all it takes to preserve your refund right. To help us find and verify your order faster, please also include:

• Subject line: where possible, use 5 day challenge refund.
• The purchase email: the email address you used to make the purchase.
• The card digits: the last 4 digits of the payment card you used for the purchase.
• The name on the card: the full name exactly as it appears on the payment card you used for the purchase.

For your security, do not send your full card number, card expiration date, security code (CVV), bank login details, or any other full financial account number. We only need the last 4 digits of the card to locate your order.

4. Incomplete requests and processing time

If your request is missing the suggested subject line, the purchase email address, the last 4 digits of the card, or the full name on the card, or if the information provided does not match our records, we will contact you to request the missing or corrected details. A timely request that is missing these formatting details still preserves your eligibility.

• The 72-business-hour processing period, described in Section 5, does not begin until we have received a complete and verifiable request. A timely refund email that is missing formatting details still preserves your eligibility, and we will ask you for what we need to process it.
• The time between our request for missing information and your reply tolls (pauses) the processing period. Processing resumes once we receive the complete information.
• Your eligibility is preserved as long as your first email asking for a refund reaches us within the 7-day window. We judge that deadline by the timestamp of your first email, not by when the verification details arrive.

We encourage you to include the verification details in your first email where you can, so we can process your refund without a follow-up.

5. How refunds are processed

Once we receive a complete and valid refund request that meets the requirements of Sections 2 and 3, we process the refund within 72 business hours.

• Refunds are issued to the original payment method used for the purchase. We do not issue refunds by cash, check, store credit, or to any account other than the original payment method.
• "Processed within 72 business hours" means we submit the refund instruction to our payment processor within 72 business hours of receiving your complete, valid request.
• After we submit the refund, the time for the funds to appear in your account depends on your card issuer or bank and is outside our control. Posting times commonly range from 5 to 10 business days.
• Upon a valid refund, your access to the Product and its member materials may be revoked.

6. Nature of the Product: digital goods

The Product is a digital educational product. Access is delivered electronically through an online members hub, and the full content becomes available to you immediately or shortly after purchase.

Because the Product is a digital good delivered electronically, and because access and content are provided to you promptly after purchase, all sales are final once the 7-day window closes, except where required by applicable law. The refund right in this policy is the sole and exclusive refund remedy we offer for the Product, except where applicable law provides otherwise.

Nothing in this policy limits or waives any right or remedy you have that cannot be limited or waived under applicable law. Where a mandatory consumer-protection law of your state gives you a refund or cancellation right that this policy does not, we honor that right to the extent the law requires.

7. Chargebacks and payment disputes

If you believe you are entitled to a refund, please contact us first at support@regaliscapital.com so we can resolve the matter directly under this policy. Most issues can be resolved quickly this way.

• Filing a chargeback or payment dispute with your card issuer or bank instead of following the process in this policy is not a substitute for a valid refund request under Sections 2 and 3.
• We consider a chargeback unwarranted where you received access to the Product and either did not request a refund within the 7-day window or did not meet the requirements of this policy.
• We reserve the right to respond to and dispute any unwarranted chargeback, and to submit this policy, your purchase and access records, and your communications with us as evidence to the payment processor, card network, or bank.
• Pursuing a chargeback does not waive or expand any right you have under this policy.

8. Changes to this policy

We may update or modify this Refund Policy at any time. The version in effect at the time of your purchase governs that purchase. When we make changes, we will update the effective date shown at the top of this page. We encourage you to review this policy before each purchase.

9. Contact us

For all refund requests and questions about this policy, contact: