Policy

Refund Policy

If the Personal Balance Sheet workbook is not useful, request a full refund within 7 days of purchase.

How To Request A Refund

Email jkirshenman@gmail.com with the purchase email and a short note that you want a refund.

Digital Product Delivery

The workbook is a digital PDF. No physical product is shipped. After a hosted checkout provider is connected, the provider may also process refunds through its own dashboard and buyer receipt links.

Planning Disclaimer

RateWise tools are for organization and planning only. They are not tax, legal, investment, or financial advice and do not promise savings, income, debt reduction, or any financial outcome.

Last updated: May 20, 2026.