Refund Policy

Scope of this policy

Spectrum Dock Family Finance Co., Ltd. offers paid planning engagements. Because we sell a paid service, this refund policy applies. The first conversation and the inquiry form are free and carry no refund obligation; this policy applies only to engagements agreed in writing after that conversation.

The durations below are standard market-consistent figures, proposed pending business confirmation. If we agree different durations with you in writing for a specific engagement, those agreed durations take precedence.

Eligibility

A planning engagement is eligible for a refund when:

• You cancel the engagement in writing before we have begun the preparation step described on the engagement guide; or
• We have not started the engagement within 10 business days of the agreed start date, for reasons on our side; or
• The engagement cannot be delivered as agreed for a reason that is materially ours.

Full refund

A full refund of the engagement fee is available when you cancel in writing before we have begun preparation. Cancellation is by email to info@spectrumdock.digital and is effective from the moment we receive it.

Partial refund

If you cancel after preparation has begun but before the written plan has been delivered, a partial refund of 50% of the engagement fee is available, reflecting the work already carried out. If you cancel after the written plan has been delivered, no refund is available, because the deliverable has been produced.

Non-refundable items

The following are not refundable:

• Any third-party cost we have already paid on your behalf with your consent (for example, a notary or translation fee), where that third party does not refund us;
• Work on a written plan that has already been delivered;
• Deposits where the engagement terms you agreed in writing state the deposit is non-refundable, and you agreed that in writing.

Cancellation and rescheduling

You may cancel or reschedule a scheduled meeting at no cost up to 24 hours before the meeting time. To cancel or reschedule, write to info@spectrumdock.digital. Cancellation or rescheduling inside the 24-hour window is treated as a no-show for that meeting only; it does not cancel the engagement.

Deposits

Where an engagement requires a deposit, the deposit terms are agreed with you in writing before the engagement begins. Unless the agreed terms state otherwise, the deposit is refundable under the same conditions as the engagement fee above.

No-shows

If you do not attend a scheduled meeting and have not cancelled or rescheduled at least 24 hours in advance, the meeting is treated as delivered. It does not affect the rest of the engagement or your right to the written plan.

Work already started

Refunds for work already started are calculated as described under Partial refund above. We do not charge for work we have not done, and we do not refund for work we have already done and delivered.

Processing time

Approved refunds are processed within 10 business days of our confirmation that the refund is due.

Refund method

Refunds are returned to the original payment method. Where that is not possible (for example, an expired card), we arrange an alternative method with you by email.

How to request a refund

To request a refund, write to info@spectrumdock.digital with the word “refund” and the name and date of the engagement. You can also call +82-32-472-6815 during business hours. We confirm receipt within 2 business days and confirm the refund decision within 5 business days of receipt.

Exceptions

We may, at our discretion, offer a refund outside the conditions above where the circumstances of an engagement make it fair to do so. Any exception is recorded in writing and is not a precedent for other engagements.

Contact

Spectrum Dock Family Finance Co., Ltd., 93-4, Guwol-dong, Namdong-gu, Incheon, Republic of Korea. Email: info@spectrumdock.digital. Phone: +82-32-472-6815.