Effective date: 19 September 2026
Digital products are delivered through My Account → My Tools after payment is confirmed. Because access can be provided immediately and the materials cannot meaningfully be returned, no refund is available after access has been made available to your account, except where a refund or other remedy is required by applicable law.
We will review a request where you were charged twice, received the wrong product, or the supplied file is materially defective and we cannot provide a working replacement within a reasonable time. Report a technical delivery problem to hello@jokconsultancy.com within 7 days of purchase and include the order number, product name and a description or screenshot of the issue.
A change of mind, failure to use the product, accidental purchase after access, lack of compatible personal software where requirements were stated, or dissatisfaction with results is not grounds for a refund after access has been provided.
If you contact us before digital access has been granted, we may consider cancellation where fulfilment can still be stopped. Approval is not guaranteed and payment-provider charges may be non-recoverable where permitted by law.
For booked consulting sessions, the booking page controls any service-specific policy. Unless it states otherwise, request rescheduling at least 24 hours before the start time. Missed sessions and late cancellations may be non-refundable. If JOK Consultancy cancels and cannot offer a suitable alternative, the affected session fee will be refunded.
Approved refunds are returned to the original payment method where possible. Processing times depend on the payment provider. This policy does not limit any right or remedy that cannot lawfully be excluded under Ghanaian law.
Contact: JOK Consultancy, Ghana; hello@jokconsultancy.com.