1. Introduction
This Refund & Cancellation Policy explains how Refuse2LoseFIT handles refund requests, cancellations, billing issues, and access to paid coaching programs, custom workout programs, in-person coaching, online programs, and digital fitness products.
By purchasing a Refuse2LoseFIT service or product, you agree to the refund terms shown on this page and any checkout terms shown at the time of purchase.
2. Online Coaching Memberships
Online coaching programs require planning, setup, onboarding, and access to coaching systems. Because work may begin shortly after purchase, coaching payments are generally non-refundable once onboarding, program setup, or access has started.
If you purchase a recurring coaching subscription, you may request cancellation before your next billing date. Cancellations stop future billing but do not automatically refund payments already processed.
If a specific offer includes a written refund window or guarantee, that offer-specific language will control for that purchase.
3. Custom Workout Programs
Custom workout programs are non-refundable once delivered, because the plan is built for your goals, starting point, schedule, and available equipment.
Delivered programs include plans, check-in resources, coaching notes, app access, PDFs, videos, or any other personalized training material provided through HubFit, email, forms, or another coaching system.
4. Digital Products, PDFs, And Instant Access
Digital products, downloadable resources, instant-access plans, workout guides, videos, templates, and training materials are final sale once access has been delivered.
This includes products delivered through HubFit or another digital platform. If you have trouble accessing a purchased digital product, contact us and we will help resolve the delivery issue.
5. Free Programs
Free offers, including free resets or free resources, do not involve a payment and are not eligible for refunds. We may update, pause, or remove free offers at any time.
6. In-Person Coaching Sessions
Local in-person coaching is available by application and schedule approval. Session policies, cancellation rules, and safety requirements are confirmed during onboarding.
In-person sessions require at least 24 hours' notice to reschedule. Missed sessions, no-shows, or late cancellations may count as used sessions if time was reserved for you.
Late arrivals may shorten the session. Sessions may be stopped or modified if safety is a concern. Clients must follow gym, facility, equipment, and safety rules at all times.
If you need to reschedule, contact us as early as possible. We will do our best to work with you when notice is reasonable and scheduling allows.
7. Late Cancellations
In-person sessions require at least 24 hours' notice to cancel or reschedule. Late cancellations may count as used sessions and may not be refunded or credited.
8. No-Shows And Late Arrivals
No-shows may count as used sessions. Late arrivals may shorten the session because the reserved time cannot always be extended.
9. Rescheduling
Rescheduling is based on coach availability, client communication, and facility access. Sessions may be modified, paused, or stopped if safety is a concern.
10. Monthly Subscription Cancellations
Monthly coaching can be cancelled before the next billing cycle. You are responsible for requesting cancellation before your next billing date.
Cancelling stops future billing. It does not automatically refund previous payments, partial months, missed check-ins, unused access, or services already delivered.
11. Billing Errors And Duplicate Charges
If you believe you were charged by mistake, charged twice, or billed the wrong amount, contact us as soon as possible at niko@refuse2losefit.com.
We will review billing errors in good faith. If a confirmed error occurred, we will work to correct it through the payment processor.
12. How To Request A Refund Review
To request a refund review, email niko@refuse2losefit.com with your full name, email used at checkout, purchase date, product or program purchased, and a short explanation of the issue.
Submitting a request does not guarantee a refund. Refunds are reviewed case by case based on the program purchased, access already provided, work already completed, payment processor records, and any written offer terms.
13. Third-Party Payment And Coaching Platforms
Payments and program access may be handled through third-party services such as HubFit, Stripe, or other payment and coaching platforms. Their processing timelines, platform rules, and transaction policies may affect refund timing or access.
Refuse2LoseFIT is not responsible for delays caused by banks, payment processors, app platforms, or third-party systems outside our control.
14. Chargebacks And Payment Disputes
If you have a billing concern, please contact us first so we can review it. Filing a chargeback or payment dispute may pause account access while the processor reviews the transaction.
15. Updates To This Policy
We may update this Refund & Cancellation Policy from time to time. The updated version will be posted on this page with the effective date shown above.
16. Billing Contact
Questions about refunds, cancellations, or billing can be sent to: