We want you to feel confident buying from Brief Owler. This Refund Policy explains, product by product, when you can get your money back, when you can reschedule or transfer instead, and exactly how to ask. If your situation is not covered here, email us anyway; we read every request.
Last updated: October 7, 2026
In plain English
- The Owler Method course has a 7-day, no-questions-asked money-back guarantee.
- Coaching services can be fully refunded before your first session, and most have a fair refund for unused sessions after that.
- Refunds go back to your original payment method, usually within 5–10 business days.
- To ask for a refund, email [email protected] with the email you ordered with and the order date.
1. Summary table
This table gives a quick overview. The sections below explain each rule in full, and they take priority over the table if there is any difference.
| Product or service | Price | Full refund | After that |
|---|---|---|---|
| The Owler Method (course) | $39 | Within 7 days of purchase, no questions asked | No refund after day 7 |
| Cash Flow Clarity Audit | $149 | If cancelled 48 hours or more before the session | Within 48 hours: one free reschedule. No refund once the Money Brief is delivered |
| 1:1 Money Coaching | $1,200 or 3 × $420 | Within 14 days of purchase, minus $200 per completed session | Unused sessions can be paused for up to 60 days; cancelling a payment plan stops future payments |
| Emotional Spending Reset (group) | $290 | Until 7 days before the cohort starts | One transfer to the next cohort |
| Couples Money Alignment | $480 | Before your first session | Pro rata refund for unused sessions |
| Debt Payoff Roadmap | $249 | Before your first session | Pro rata refund for unused sessions |
| Business Owner Pay-Yourself System | $690 | Before your first session | Pro rata refund for unused sessions |
| Night Brief discovery call | Free | No charge, so nothing to refund | |
2. The Owler Method course
The Owler Method comes with a 7-day unconditional money-back guarantee. If you are not happy with the course for any reason, email us within 7 days of your purchase date and we will refund the full $39. You do not need to explain why, and it does not matter how much of the course you have watched.
- The 7 days start on the date of purchase shown on your receipt.
- Your refund will be sent to your original payment method within 5–10 business days of our confirmation. Your bank may take a few extra days to show it.
- When a refund is processed, your access to the course videos and workbook ends, and we ask that you delete any downloaded copies.
- Requests received after the 7-day period are not eligible for a refund, except as described in section 8.
3. Cash Flow Clarity Audit
The Cash Flow Clarity Audit includes one 90-minute session and a written Money Brief delivered within 5 business days after the session.
- Cancelling 48 hours or more before your session: you will receive a full refund of $149.
- Cancelling or rescheduling within 48 hours of your session: a refund is not available, but you may reschedule once, free of charge, to a new time that suits you.
- Once your written Money Brief has been delivered: the audit is complete and is not refundable.
If something about the session itself was not right, please tell us before your Money Brief is delivered so we can work with you to put it right.
4. 1:1 Money Coaching
1:1 Money Coaching is a 12-week program with six 60-minute calls and messaging support between calls. You can pay $1,200 in full or make three monthly payments of $420.
Within 14 days of purchase
You may cancel and receive a full refund of what you have paid, minus $200 for each session already completed. Any remaining payment-plan instalments will be cancelled.
Example: if you paid $1,200 in full and have completed one session, your refund would be $1,200 − $200 = $1,000. If you are on the payment plan, have paid your first $420 and have completed one session, your refund would be $420 − $200 = $220, and no further payments would be taken.
After 14 days
- Refunds are not available, but if life gets in the way, you may pause your unused sessions for up to 60 days in total. Just email us before your next scheduled session.
- If you are on the payment plan, you may cancel it. Cancelling stops all future payments, and you keep access to the sessions covered by the payments you have already made. Payments already made are not refunded.
Sessions can be rescheduled free of charge with at least 24 hours' notice, as set out in our Terms of Use.
5. Emotional Spending Reset
The Emotional Spending Reset is a 6-week small-group program. Because places are limited and each group is planned around its members, the rules are slightly different:
- Up to 7 days before the cohort start date: you can cancel for a full refund of $290.
- Within 7 days of the start date, or after the program has started: refunds are not available, but you may transfer your place to the next cohort once, at no extra cost. A transferred place cannot be transferred again or refunded.
If we cancel or postpone a cohort, you can choose a full refund or a place in the next cohort.
6. Couples Money Alignment, Debt Payoff Roadmap and Business Owner Pay-Yourself System
These services follow the same rules:
- Before your first session: you can cancel for a full refund.
- After your first session: you can cancel and receive a pro rata refund for any unused sessions, calculated by dividing the price by the number of sessions included.
| Service | Price | Sessions | Value per session | Example: refund after one session |
|---|---|---|---|---|
| Couples Money Alignment | $480 | 3 | $160 | $320 |
| Debt Payoff Roadmap | $249 | 2 | $124.50 | $124.50 |
| Business Owner Pay-Yourself System | $690 | 4 | $172.50 | $517.50 |
A session that is missed without 24 hours' notice may be counted as used, as described in our Terms of Use.
7. Night Brief discovery call
The Night Brief is a free 20-minute discovery call. There is no charge, so there is nothing to refund. If you cannot make it, we would appreciate a quick email so we can offer the time to someone else.
8. Exceptions and financial hardship
We know that money coaching often begins at a stressful time. If you are facing a serious, unexpected change, such as job loss, a medical emergency or a bereavement, please tell us, even if your request falls outside the rules above. We may, at our discretion, offer a partial or full refund, an extended pause, a transfer or another fair solution. You do not need to share more detail than you are comfortable with. Discretionary exceptions are considered case by case and do not change this policy for future requests.
9. How to request a refund
- Email [email protected] with the subject line "Refund request".
- Include the email address you used to order, the order date and the name of the product or service.
- If your request is time-sensitive (for example, near the 7-day, 14-day or 48-hour deadline), the time your email reaches us counts, so you do not need to wait for a reply before the deadline passes.
We aim to reply within 2 business days. Approved refunds are made to your original payment method and normally arrive within 5–10 business days, depending on your bank or card issuer. We cannot refund to a different card or account. Any currency conversion or foreign transaction fees charged by your bank are outside our control and are not refunded by us.
10. Chargebacks
If you have a problem with a purchase, please contact us before contacting your bank or card issuer. Most issues can be resolved quickly by email, and a refund from us is usually faster than a chargeback.
If you file a chargeback or payment dispute, we may provide the payment processor with relevant information about your purchase, such as your order details, session attendance and our communication with you, to respond to the dispute. While a dispute is open, we may pause access to the course or to remaining sessions. If the dispute is decided in your favour, the amount returned to you will be treated as your refund. Filing a chargeback for a purchase you have already used, outside the rules in this policy, may mean we are unable to offer you Services in future.
11. Your legal rights
This policy is in addition to any rights you have under consumer law, and nothing in it limits rights that cannot be excluded. For example, consumers in the EU and UK generally have a 14-day right to cancel online purchases. For digital content such as The Owler Method, that right ends once you agree to start accessing the course straight away; for services that start within the 14 days at your request, you may have to pay for the part already provided. Our 7-day course guarantee and the rules above are designed to be at least as generous as these rights in practice. If the law where you live gives you a better outcome, we will honour it.
12. Changes to this policy
We may update this Refund Policy from time to time. The version in force on the date of your purchase applies to that purchase. We will update the "Last updated" date at the top of this page whenever we make changes.
13. Contact us
Questions about a purchase, refund, pause or transfer? Email [email protected] or use our contact page. You can also find prices on our pricing page and answers to common questions in our FAQ.