Refund policy

PAYMENT AND REFUND POLICY

1.1 All prices are in Australian Dollars unless stated otherwise. Payment is required in
full before the Service is delivered, unless a payment plan is agreed in writing.

1.2 GENERAL POSITION: All sales are final and no refunds are given, except as set out in
clause 6.3 or as required by the Australian Consumer Law.

1.3 EXCEPTIONS. A refund may be granted only in the following circumstances:

   (a) INJURY. You suffer an injury that a qualified medical practitioner certifies, in a
   written and dated medical certificate, prevents you from surfing for a period of more
   than three (3) months. In this case a refund may be given for coaching or Services not
   yet delivered. Services already delivered are not refundable. The certificate must be
   provided to SPA before a refund is assessed.

   (b) NON DELIVERY. SPA fails to deliver the coaching or Service to you at all. This
   exception does not apply where the Service has been delivered in whole or in part, or
   where you have failed to provide the materials, footage, availability, or information
   reasonably required for SPA to deliver the Service.

1.4 Refunds are not given for change of mind, lack of time, failure to complete a course
or program, dissatisfaction with your own progress, or failure to act on the coaching
provided.

1.5 Digital products, downloads, and course access are supplied immediately on purchase.
To the extent permitted by law, once accessed they are not refundable.

1.6 CHARGEBACKS. Initiating a chargeback or payment dispute in breach of these Terms is a
breach of contract. SPA reserves the right to dispute unjustified chargebacks and to
suspend or terminate access pending resolution.

1.7 To request a refund under clause 1.3, contact SPA in writing at the email in with your order details and supporting evidence.