Cancellation & Refund Policy

At least three business days’ notice is requested when rescheduling a consultation. With adequate notice, the consultation may ordinarily be moved to another mutually available time without an additional rescheduling fee.

3. Late Cancellations and Missed Appointments

Consultations cancelled with less than three business days’ notice, or missed without notice, may be considered used and may not qualify for a refund. Exceptional circumstances may be considered individually.

4. Cancellation Before the First Consultation

A client who cancels the complete engagement at least three business days before the first consultation may request a refund. Any payment-processing charges that cannot be recovered from the payment provider may be deducted from the refund where permitted.

5. Cancellation After the Process Begins

Once the first consultation has taken place, the Initial Discovery & Strategy Process has begun. This includes the consultation, review, integration and preparation conducted between the two consultations. Fees are therefore generally non-refundable after the first consultation has taken place. Remaining consultations may ordinarily be rescheduled in accordance with this policy.

6. Cancellation by Henry Pan

When Henry Pan must cancel a consultation, reasonable efforts will be made to arrange another mutually suitable time. If the remaining service cannot be delivered or rescheduled, the client will receive an appropriate refund for the undelivered portion.

7. Refund Timing

Approved refunds will be submitted to the original payment method. The time required for the refund to appear depends on the payment provider and financial institution.

8. Contact

Cancellation or refund requests may be sent to: Henry Pan, Waterloo, Ontario, Canada, support@panwealth.co