This Payment Policy applies to all products, programs, courses, and coaching services offered by Cindy Pate — Unapologetic Wealth. By making a purchase or entering into a coaching agreement with us, you agree to the terms outlined below.

Please read this policy carefully before making any payment. If you have questions please contact us at contact@cindypate.com before proceeding.

1. Payment Methods and Processing

Payments for digital products and programs are processed securely through Systeme.io. For coaching services where direct bank transfer has been agreed, the following account details apply:

• Account Name: Cindy Pate
• Reference: Your full name and the program or service you are paying for

All prices are listed in Australian Dollars (AUD) unless otherwise stated. You are responsible for any currency conversion fees or international transfer charges applied by your bank or payment provider.

2. Payment Due Dates

Payment terms vary depending on the product or service:

• Digital products and courses — payment is due in full at the time of purchase before access is granted
• Monthly coaching containers — payment is due at the start of each billing cycle before coaching commences for that period
• Fortnightly coaching payments — payment is due at the start of each fortnightly period
• Invoiced services — payment is due by the date stated on the invoice unless otherwise agreed in writing

Coaching and access to services will not commence or continue until payment has been received and confirmed.

3. Late Payment and Penalty Fee

If payment remains outstanding after the penalty has been applied, we reserve the right to:

• Suspend access to all coaching services and digital content immediately
• Terminate the coaching relationship without refund of any amounts already paid
• Pursue the outstanding amount through appropriate legal channels including small claims court

We take our payment terms seriously. Our time is valuable and so is yours. Clear financial agreements allow us to show up fully for the clients we work with.

4. No Refund Policy

We stand fully behind the quality of our programs and coaching. Before purchasing or entering a coaching agreement we encourage you to:

• Read all program information carefully
• Review our Terms and Conditions
• Reach out with any questions before committing

If you have concerns about whether a program is right for you, please contact us at contact@cindypate.com before purchasing.

Please note that under the Australian Consumer Law, if a product or service is found to have a major failure that was not disclosed at the time of purchase, you may be entitled to a remedy. Nothing in this policy overrides your statutory rights under Australian Consumer Law.

5. Chargebacks and Disputes

By making a purchase you agree to contact us directly at contact@cindypate.com to resolve any payment concerns before initiating a chargeback or dispute with your bank or payment provider.

Fraudulent chargebacks — where a client disputes a legitimate charge after receiving access to a product or service — will be pursued through appropriate legal channels. Any costs incurred in defending a fraudulent chargeback will be passed on to the client.

6. Payment Plans

Where a payment plan has been agreed, each instalment is a binding financial commitment. Missing an instalment does not void the agreement — the full outstanding amount remains due.

If an instalment is missed:

• Access to coaching services or digital content may be suspended until payment is received
• The 10% late payment penalty outlined in Section 3 applies to the missed instalment
• We reserve the right to require the full remaining balance to be paid immediately if more than one payment is missed

7. Changes to This Policy

We reserve the right to update this payment policy at any time. Changes will be posted on this page with an updated date. For existing coaching agreements, the payment terms in your original agreement remain in effect.

8. Contact

For any payment related questions please contact us before your due date — not after. We are always happy to communicate openly about financial matters.