Refund Policy

Last updated: 8 March 2026

1. Overview

This Refund Policy applies to all purchases made through AML Simple, including SaaS subscriptions and digital products. Nothing in this policy limits or excludes your rights under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010) or the New Zealand Consumer Guarantees Act 1993.

2. SaaS Subscriptions

2.1 Free Access Period

All paid plans are free until 1 July 2026 with full product access. No credit card is required. This free access period allows you to evaluate the Service and prepare for compliance before billing begins.

2.2 30-Day Money-Back Guarantee

If you are not satisfied with the Service within the first 30 days of a paid subscription, you may request a full refund — no questions asked. Contact us at [email protected].

2.3 Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. Except where you have rights under the Australian Consumer Law or the New Zealand Consumer Guarantees Act 1993, no refund is provided for the remaining period after cancellation.

2.4 Consumer Guarantee Rights

If the Service fails to meet a consumer guarantee under the Australian Consumer Law (for example, if it is not provided with due care and skill, or is not fit for a particular purpose you made known to us), you are entitled to a remedy. Depending on whether the failure is minor or major:

  • Minor failure: We may choose to re-supply the Service or refund the portion of fees relating to the deficient service
  • Major failure: You may cancel the contract and receive a refund for services not yet provided, or recover compensation for the reduction in value of the services

Equivalent rights apply under the New Zealand Consumer Guarantees Act 1993.

2.5 Merchant of Record

Paddle.com Market Limited (“Paddle”) is the Merchant of Record for all SaaS subscription purchases. All refunds for subscriptions are processed by Paddle. We do not process subscription refunds directly. Paddle processes refunds within 3–5 business days to the original payment method. Refund requests must be made within 60 days of the original transaction for Paddle to process them.

3. Digital Products

3.1 What This Covers

This section applies to digital products sold by AML Simple, including ebooks, checklists, and templates (currently sold via Gumroad).

3.2 Change of Mind

We do not offer refunds for change of mind on digital products once they have been downloaded or accessed. Digital products are available for preview (table of contents, sample content, and descriptions) before purchase so you can make an informed decision.

3.3 Consumer Guarantee Rights

If a digital product is faulty, substantially different from its description, or fails to meet any consumer guarantee under the Australian Consumer Law, you are entitled to a refund. Examples include:

  • The product is significantly different from what was described on the sales page
  • The product is defective or cannot be accessed after purchase
  • The product does not meet a reasonable standard of quality

Equivalent rights apply under the New Zealand Consumer Guarantees Act 1993.

3.4 How to Request a Refund

To request a refund on a digital product, contact us at [email protected] with:

  • Your order confirmation or receipt
  • A description of the issue

We will assess your request and respond within 5 business days.

4. Expert Advice Add-On

4.1 Before a Session

If you have purchased an Expert Advice session that has not yet been delivered, you may request a full refund or reschedule.

4.2 After a Session

Refunds are not available for Expert Advice sessions that have been delivered, except where required by the Australian Consumer Law or the New Zealand Consumer Guarantees Act 1993 (for example, if the service was not provided with due care and skill).

4.3 Monthly Retainer

You may cancel a monthly Expert Advice retainer at any time. Cancellation takes effect at the end of the current billing period. Unused sessions within a billing period do not roll over and are not refundable, except where required by consumer protection law.

5. How to Contact Us

For all refund requests, contact us at [email protected].

For billing queries related to SaaS subscriptions processed by Paddle, you may also contact Paddle’s buyer support at paddle.net.

6. Your Consumer Rights

This policy does not limit your statutory rights. Under the Australian Consumer Law and the New Zealand Consumer Guarantees Act 1993, you have rights that cannot be excluded by contract. If any part of this policy conflicts with your statutory rights, your statutory rights prevail.

For more information about your consumer rights: