If you are entitled to a refund, we will do so using the original payment method. In order for one to be entitled to a refund, he/she must request for one within 48 hours of the received payment; before beginning the Pennies to Gold Course. At no point, after accessing the P2G Program and/or Private chat group etc., will a refund be permissible. Education can not be untaught or unlearned and for that reason this purchase is a final sale. All those who do not pay in full & are on a payment plan, must pay remaining balance by the date on such sent invoice. All those who fail to comply for such payment/s are given a 10 day grace period after the date agreed upon in the invoices terms. If he/she fails to make these payments, he/she will be turned over to collections.