Refund policy

This policy applies to consultation fees paid to Spectrum Node Financial Planning Co., Ltd. for household budgeting and cash-flow planning sessions. The inquiry itself is free; this policy covers the fee for a booked session, agreed in the confirmation email before payment.

1. Eligibility

A consultation fee is refundable where you cancel before the session starts, as set out below. Sessions are non-refundable after they have started, because the planner’s time and the planning work cannot be returned.

2. Cancellation timeframes

• More than 24 hours before the session: full refund of the session fee.
• Between 24 and 2 hours before the session: 50% refund of the session fee.
• Less than 2 hours before the session, or no-show: no refund of the session fee.

Refunds are issued to the original payment method within 7 business days of the cancellation request.

3. Rescheduling

You may reschedule a session once at no charge, provided the request reaches us at least 24 hours before the original session time. A second rescheduling is treated as a cancellation under section 2 and a new session is booked separately.

4. If we cancel

If we have to cancel a session (for example illness or an emergency), we will offer either a full refund or an alternative slot at your choice. Where we cancel, no fee is retained.

5. Sessions already started

Once a session has started, the fee is non-refundable. If a session is cut short by a technical failure on our side, we will offer a make-up session or a proportional refund at your choice.

6. Deposits

If a deposit is taken to hold a slot (for example for a first in-person session), the deposit is refundable under the same timeframes as the session fee above. Where a deposit is non-refundable by agreement, that term is stated explicitly in the confirmation email.

7. Non-refundable items

• A session that has already started.
• A no-show with less than 2 hours’ notice.
• Any materials already delivered, such as a completed cash-flow map sent after a session.

8. How to request a refund or reschedule

Write to info@spectrumnode.digital with the subject “Cancellation” or “Reschedule”, and include the session date and the name the booking was made under. We confirm by reply email within one business day.

9. Contact

• Phone: +82-31-712-4386
• Email: info@spectrumnode.digital
• Address: 167-8, Jeongja-dong, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea

Last reviewed: October 2026. Proposed terms, pending business confirmation of refund windows, deposits, and fees.