Refund policy

1. The 7-day window

You may request a refund for any digital product purchased from financialmodels.au within seven (7) calendar days of the date of purchase, provided you give a proper reason. The seven days run from the timestamp of the order confirmation email we send you at checkout.

2. What counts as a proper reason

We accept refund requests where:

• The product you received is materially different from what was described on the product page.
• The downloaded file is corrupted, will not open, or is missing components listed in the product description.
• You purchased the wrong product by mistake (for example, ordered the Strategic Assessment when you intended to order the full Business Plan bundle, or selected the wrong industry) and the correct product has not yet been downloaded.
• You were charged twice for the same order.
• Any other reason that, in our reasonable view, makes the refund fair.

“Changed my mind” without further context is not a proper reason — but if you tell us what the underlying issue was (the templates were not what you expected, the industry didn't fit, you found a better tool, etc.), we will consider it on its merits and most reasonable requests inside the 7-day window are honoured.

3. When refunds are NOT available

We generally cannot issue a refund where:

• More than seven (7) days have passed since the date of purchase.
• The digital product has been substantially downloaded, opened, used, edited, shared, presented, sent to an investor or lender, or otherwise put into commercial use.
• Multiple copies of the file have been downloaded across different devices or sessions, indicating the product has been consumed.
• The complaint is that the projections, assumptions or outputs in the financial model did not match your actual business results — the templates carry no guarantee of outcomes (see our Terms of use, sections 5 and 6).
• The complaint is that you did not read the product description, the Templates Disclaimer included in every file, or the Terms of use before purchasing.
• You used the product to produce a derivative work and then asked for a refund on the source.
• The custom-filled service product (Custom-Filled Strategic Assessment) has already been delivered — that product is non-refundable after delivery because it is custom work. Refunds for the custom service before delivery, or where we fail to deliver within five business days of intake submission, are honoured in full.

4. The free template pack

The Business-Planning Template Pack is supplied free of charge. No payment, no refund applies.

5. How to request a refund

1. Email info@financialmodels.com.au within seven days of your purchase date.
2. Include your order number (from the Paddle order confirmation email) and the product name (e.g. SA-07 Meal Prep Strategic Assessment).
3. Tell us briefly what the issue is. One or two sentences is fine; we are not asking for an essay.
4. We will respond within two (2) business days with our decision.

6. How long refunds take

If your refund is approved, the funds are returned by our payment processor (Paddle) to the same payment method you used at checkout. Typical timing:

• Credit / debit card: 5–10 business days, depending on your card issuer.
• PayPal: 1–3 business days.
• Direct debit / bank transfer: 3–7 business days.

The refunded amount is the price you paid, including any GST. Paddle (Merchant of Record) processes the refund; you may also see a separate line for the GST reversal on your bank statement.

7. Australian Consumer Law

This refund policy operates in addition to, not in substitution for, your rights under the Australian Consumer Law. If our digital product fails to meet a consumer guarantee (it is not of acceptable quality, does not match its description, or is not fit for a disclosed purpose), you may be entitled to a refund, repair or replacement under the law, regardless of the seven-day window above. Nothing in this policy limits those rights.

8. Disputes

If you disagree with our refund decision, please reply to our email so we can discuss it further. If we cannot resolve the issue between us, you may also raise a complaint with Paddle (our payment processor) via your purchase receipt, or with the Australian Competition and Consumer Commission (ACCC) or your relevant State or Territory consumer protection agency.

9. Changes to this policy

We may update this refund policy from time to time. The current version is always available at financialmodels.com.au/refund.html. The policy that applies to a particular purchase is the version in force at the time you made the purchase.

10. Contact

Refund requests, questions or anything else — info@financialmodels.com.au.

Last updated: 21 June 2026.