Refund Policy

Effective Date: January 1, 2026

Last Revised: June 1, 2026

Operator: Paneah LLC

Contact: support@paneah.com

Our Approach

We put significant care into the quality of everything we produce and offer. Before purchasing any product or booking any service, we encourage you to read the description carefully and reach out with any questions. We want you to be confident in what you are purchasing.

We have clear policies for each category of product and service. Please read the section that applies to your purchase before completing it.

1. Advisory Sessions

Booking and Payment

Payment is collected in full at the time of booking. Your session time is reserved exclusively for you, which has real cost regardless of whether the session takes place.

Cancellation by Client

At least 24 hours before the scheduled session: eligible for a one-time reschedule credit (no cash refund)
Less than 24 hours before the scheduled session: no refund and no reschedule credit
No-shows: no refund and no reschedule credit

Cancellation by Advisor

If Paola Villa or Paneah cancels a session, you will receive a full refund or the option to reschedule at your preference.

Technical Issues

If a session is interrupted or cannot be completed due to a technical failure on our end, we will reschedule or issue a prorated credit. Technical issues on the client’s end do not entitle the client to a refund or reschedule.

2. Digital Products

Digital products — including e-books, spreadsheet dashboards, prayer journals, Bible studies, formation tools, templates, downloadable reports, and similar materials — are delivered immediately upon purchase. Because these products are instantly accessible once downloaded or accessed:

All digital product sales are final and non-refundable.

Exceptions:

If you are charged but do not receive access to the product, contact support@paneah.com within 7 days and we will resolve the issue
If the product contains a material defect that prevents use as described, contact us within 7 days and we will issue a replacement or credit

We strongly encourage you to review all product descriptions and previews before purchasing. If you have questions, contact us before completing your purchase.

3. Courses and Educational Programs

Course-specific refund eligibility is specified at the time of enrollment. Our standard course refund policy is structured as follows:

10-Day Access-Limited Refund Window

You may request a full refund within ten (10) days of registration if all of the following conditions are met:

You submit your refund request in writing to support@paneah.com within the 10-day window
You have not accessed more than the first two (2) modules, units, or lessons of the course
You have not downloaded course materials beyond the introductory section
You have not participated in any live coaching sessions, member calls, or community sessions associated with the course

Refund requests submitted after the 10-day window, or after accessing course content beyond the introductory section, will not be granted. This structure ensures that the refund window is genuine and not used to access a complete course without payment.

Course access is for individual use only; sharing access voids the purchase and forfeits any refund eligibility
Specific courses may have their own modified refund terms, which will be disclosed at enrollment

4. Sword Edge Membership and Other Subscription Memberships

This section applies to the Sword Edge membership (currently in waitlist phase) and any future subscription-based membership offered by Paneah LLC.

Waitlist

Joining a waitlist does not result in any charge. You are not billed until you accept access and complete enrollment. Joining a waitlist does not guarantee access, specific pricing, or any particular feature.

Monthly Memberships

You may cancel at any time. Cancellation takes effect at the end of the current billing period
No prorated refunds are issued for unused days within an active billing period
Access continues through the end of the paid period following cancellation

Annual Memberships

Annual memberships may be canceled within ten (10) days of the initial purchase date for a full refund, provided you have not downloaded more than two member reports or attended more than one member-only event during that period
After 10 days, or after exceeding the access limits above, annual memberships are non-refundable
Upon cancellation, access continues through the end of the paid annual period

Annual Renewal

Upon annual renewal, you have ten (10) days from the date of the renewal charge to request a refund, subject to the same access limits described above. After 10 days, or after exceeding the access limits, the renewal charge is non-refundable. You may cancel future renewals at any time.

Free Trials

If a free trial is offered, you will not be charged until the trial period ends. You may cancel any time during the trial period without charge.

Founding-Member or Promotional Pricing

Founding-member rates, charter pricing, and promotional discounts are subject to the terms specified at the time of enrollment. Promotional pricing may be limited in duration or scope; standard pricing applies after the promotional period unless otherwise stated.

5. Software Subscriptions

This section applies to Paneah software products and subscription platforms, including data aggregation tools, intelligence dashboards, financial data interfaces, and AI-powered research tools.

Monthly Software Subscriptions

You may cancel at any time. Cancellation takes effect at the end of the current billing period
No prorated refunds for unused days within an active billing period
Access continues through the end of the paid period

Annual Software Subscriptions

Annual subscriptions may be canceled within ten (10) days of initial purchase for a full refund
After 10 days, annual subscriptions are non-refundable
Access continues through the end of the paid annual period

Service Interruptions

If software service is materially unavailable for an extended period due to a fault on our end (excluding scheduled maintenance and third-party API outages outside our control), we may issue a prorated credit at our discretion.

Third-Party Data and APIs

Paneah software products integrate data from third-party providers (such as the Federal Reserve, government databases, market data providers, and other public or licensed sources). Refunds are not provided for changes, interruptions, or discontinuations of third-party data sources outside our control.

6. Paneah Organizational Consulting

Refund and cancellation terms for Paneah organizational consulting engagements are governed by the individual Consulting Services Agreement signed at the time of engagement. This Refund Policy does not apply to organizational engagements.

7. Donations to Harvest Feed

Donations made to Harvest Feed (Paneah’s associated humanitarian organization) are processed under Harvest Feed’s separate donation and refund policies, not this Refund Policy. Charitable donations are generally non-refundable.

8. How to Request a Refund or Credit

All refund and credit requests must be submitted in writing to:

Email: support@paneah.com

Please include your full name, order or booking confirmation number, the product or service in question, and a brief description of your request. We will respond within 3–5 business days.

We do not accept refund requests through social media, direct messages, or any channel other than the email address above.

9. Chargebacks

Initiating a chargeback or payment dispute through your bank or payment processor before contacting us to resolve the issue directly may result in:

Permanent suspension of your access to all Paneah products, services, and platforms
Removal from any active memberships or subscriptions without refund
Permanent ineligibility for future purchases

We take disputes seriously and are committed to fair resolution when contacted through proper channels.

10. EU and UK Consumers

EU and UK consumers may have statutory cancellation rights under applicable consumer protection law, including a 14-day cooling-off period for certain digital purchases. However, you may expressly waive this right at checkout in order to receive immediate access to digital content. If you have waived your statutory cancellation right at checkout, refund eligibility is governed by this Refund Policy.

11. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Changes take effect when posted. The policy in effect at the time of your purchase governs that transaction.

12. Contact

Paneah LLC