Refunds & cancellations

Last updated: 4 August 2026

Scope

This policy applies to paid consultations offered by Meridian Trust Financial Counsel: Retirement Income Map, Inheritance Conversation, Protection Gap Review, and Owner-Manager Cash-Flow Counsel. We do not sell physical products, software subscriptions, or downloadable courses.

Eligibility

Refunds depend on how far the engagement has progressed. Deposits reserve diary time and preparation hours. Once substantial preparation or a working session has begun, fees become partly or fully non-refundable as described below.

Timeframe to request

Cancellation or refund requests should be emailed to hello@securenetx.digital within fourteen days of payment for unused engagements, or as soon as practicable if you need to cancel a booked session.

Full refund

A full refund of deposit and any balance paid is available if we cancel the engagement, or if you cancel in writing before we begin reviewing your paperwork and at least five working days before the first booked session.

Partial refund

If you cancel after paperwork review has started but before the first working session, we may retain up to fifty percent of the deposit to cover preparation already completed and refund the remainder. If one of two planned sessions is completed, fees are apportioned to the work delivered; unused second-session fees may be refunded on a pro-rata basis.

Non-refundable items

• Fees for working sessions already held
• Written deliverables already issued (Income Map, gap report, playbook, or summary note)
• Third-party costs agreed in writing (for example room hire for larger family sessions)

Deposits

For fixed-fee consultations we typically invoice fifty percent to reserve diary time. That deposit is applied to the total fee. It is refundable only under the full or partial rules above.

Rescheduling

You may reschedule once without charge if you give at least three working days’ notice. Later changes may incur a £75 administration charge or, if we cannot re-fill the slot, forfeiture of a portion of the deposit.

No-shows

If you miss a booked session without notice, that session fee is non-refundable. We will offer one replacement slot subject to diary availability within thirty days.

Work already started

Once we have opened your file and begun statement analysis, cancellation triggers the partial-refund rules. If the written plan is complete, the full fee is due even if you choose not to attend a final walkthrough.

Refund process & method

Approved refunds are returned to the original payment method within fourteen working days of approval. We confirm the amount by email before processing.

How to request

Email hello@securenetx.digital with your name, invoice reference, and reason for the request. Phone: +44-2-726-7326. Office: 4824 The Drive, North Terry, Northern Ireland, United Kingdom.

Exceptions

Statutory rights under UK consumer law remain unaffected where they apply to consumers. Business clients’ refunds follow the engagement letter if it sets different commercial terms.