Refund & Cancellation Policy

1. Before Confirmation

If a booking request has not been confirmed, TalkCPT may cancel it and review any verified payment for refund. Payment-provider charges or transfer fees may be deducted where they are not recoverable.

2. Client Cancellation

A client cancellation requested at least 24 hours before the scheduled start time may be eligible for rescheduling or refund review.

A cancellation requested less than 24 hours before the scheduled start time may be non-refundable because the expert’s time was reserved.

3. No-Show and Completed Sessions

A missed appointment, late arrival, or failure to join using the provided method may be treated as a no-show and is generally non-refundable.

A session that has started or been completed is generally non-refundable. Dissatisfaction alone does not automatically create refund eligibility.

4. Expert Cancellation or Platform Failure

If the expert cancels or cannot attend, the client may choose a reasonable reschedule option or request refund review.

If a session cannot proceed because of a verified platform-controlled technical failure, TalkCPT may offer rescheduling, account credit, or refund review. Issues caused by the client’s device, internet, or third-party software may not qualify.

5. Duplicate or Incorrect Charges

Duplicate charges or verified payment errors should be reported promptly with the booking ID, transaction reference, and supporting evidence.

6. Processing Time and Method

Approved refunds are returned where reasonably possible through the original payment route or another approved method. Processing time may vary by bank, wallet provider, or payment channel. TalkCPT may request additional information before completing a refund.

7. Abuse Prevention

TalkCPT may decline a refund request involving false evidence, chargeback abuse, repeated misuse, off-platform arrangements, or conduct that breaches the Terms & Conditions.