Refund policy

Last updated: September 11, 2026

At SYNAPSE LLC, we are committed to providing a clear, fair, and reliable purchasing experience.

Our products are digital educational guides designed to help customers better understand personal finance topics such as budgeting, saving, credit, debt, and investing fundamentals.

Because our products are delivered electronically and may be accessed immediately after purchase, different refund conditions apply compared with physical products.

Please read this Refund Policy carefully before completing your purchase.

1. Merchant Information

SYNAPSE LLC
EIN: 98-1969487
8206 Louisiana Blvd NE Ste A 9377
Albuquerque, NM 87113
United States

Email: contact@synapseebbok.com
Phone: +1 (505) 888-8883
Website: synapseebbok.com

2. Products Covered

This Refund Policy applies to all digital products sold through synapseebbok.com, including:

  • Personal budgeting guides

  • Saving and emergency fund guides

  • Credit and debt guides

  • Beginner investing guides

  • Personal finance ebooks

  • Downloadable PDF files

  • EPUB and MOBI files

  • Financial education checklists and frameworks

  • Other downloadable educational content

All products currently offered through our website are delivered electronically.

No physical product is shipped unless expressly stated otherwise.

3. Digital Products

Because our products are digital and may be made available immediately after successful payment, purchases are generally considered final once the digital product has been delivered, accessed, or downloaded.

Refunds may nevertheless be available in the circumstances described in this Policy or whenever required by applicable law.

Nothing in this Refund Policy is intended to exclude, restrict, or limit any mandatory consumer right that cannot legally be excluded.

4. Withdrawal or Cancellation Rights

Depending on the laws applicable to a customer's purchase, certain withdrawal or cancellation rights may apply.

Where permitted by applicable law, such rights may cease once delivery of digital content begins if the customer has expressly requested or consented to immediate access and acknowledged that beginning delivery may affect or end the applicable withdrawal or cancellation right.

Any mandatory consumer rights provided by applicable law will always be respected.

5. When a Refund May Be Available

You may contact us to request a refund or review if:

  • You were charged more than once for the same purchase.

  • You received a different digital guide from the one you purchased.

  • The digital file is corrupted or cannot be opened.

  • The download or access link does not work.

  • You did not receive your digital product after successful payment.

  • A technical problem on our side prevents you from accessing the purchased product.

  • You were charged an incorrect amount.

  • A transaction was made without your authorization.

  • You purchased the wrong guide and have not yet accessed or downloaded it.

  • A refund, replacement, cancellation, or other remedy is required under applicable law.

Where appropriate, we may first attempt to resolve technical or delivery problems by providing a replacement file, corrected download link, alternative file format, or other reasonable assistance.

6. Change-of-Mind Refunds

Except where applicable law provides otherwise, we generally do not provide refunds when:

  • You simply change your mind after purchasing.

  • You no longer want or need the guide.

  • You have already accessed or downloaded the digital content.

  • You purchased the wrong guide despite the product information being clearly displayed before purchase.

  • You did not read the product description before completing your purchase.

  • You expected information, strategies, tools, or material that were not included in the product description.

  • You do not personally like the writing style, design, format, examples, explanations, or educational content.

  • You decide that the subject matter is no longer relevant to you after accessing the product.

Each product page provides information about the relevant guide so customers can understand what they are purchasing before completing payment.

Nothing in this section limits mandatory consumer rights provided by applicable law.

7. Technical Problems

If you experience difficulty downloading, accessing, or opening your digital product, please contact us.

Where appropriate, we may:

  • Send a new download link.

  • Resend the purchased guide.

  • Provide a replacement file.

  • Provide the guide in another available file format.

  • Correct an access issue.

  • Provide reasonable technical assistance.

If a technical problem on our side prevents us from supplying the purchased product and we are unable to resolve the issue, a refund may be issued where appropriate.

8. Reporting a Problem

We recommend contacting us within 14 days of your purchase if you experience a technical, delivery, payment, or access problem.

This allows us to investigate and resolve the matter efficiently.

This 14-day period relates only to reporting customer service issues. It is not our response time and does not reduce, replace, or limit any longer mandatory consumer right that may apply.

9. How to Request a Refund or Review

To request a refund or ask us to review a purchase, please contact:

contact@synapseebbok.com

Please include, where available:

  • Your full name.

  • The email address used for your purchase.

  • Your order number.

  • The name of the digital guide purchased.

  • The date of purchase.

  • A brief description of the issue.

  • Screenshots or other relevant supporting information, where appropriate.

Providing complete and accurate information will help us investigate your request efficiently.

10. Response Time

We aim to review and respond to all refund requests and customer service enquiries within a maximum of 2 business days, Monday through Friday, excluding public holidays.

Requests received during weekends or public holidays will begin to be processed on the next business day.

11. Duplicate Charges

If you believe you were charged more than once for the same purchase, please contact us as soon as possible.

Once a duplicate payment has been verified, the duplicate charge will be refunded to the original payment method.

12. Incorrect Digital Products

If you receive a digital guide different from the one you purchased, please contact us.

We will normally provide access to the correct product.

If we are unable to provide the product you purchased, we may issue a refund where appropriate.

13. File Compatibility

Our digital products may be available in formats such as PDF, EPUB, or MOBI.

Customers are responsible for ensuring that they have a compatible device, application, or software capable of opening the selected file format.

If an available alternative format can resolve a compatibility issue, we may provide that format where appropriate.

A refund will not generally be issued solely because a customer's device or third-party software does not support a particular file format when other supported formats are available, except where required by applicable law.

14. Unauthorized Transactions

If you believe a purchase was made without your authorization, please contact us promptly with the relevant transaction information.

We may request reasonable information necessary to identify the transaction and investigate the claim.

Nothing in this section prevents customers from exercising any rights available through their bank, card issuer, payment provider, or applicable law.

15. Approved Refunds

If a refund is approved, it will generally be issued to the original payment method used for the purchase.

Once SYNAPSE LLC has processed the refund, the time required for the funds to appear in your account may depend on your:

  • Bank.

  • Credit or debit card issuer.

  • Payment provider.

  • Financial institution.

Processing times after a refund has been issued by us are outside the direct control of SYNAPSE LLC.

16. Payment Disputes and Chargebacks

If you experience a problem with your purchase, we encourage you to contact us first so that we have an opportunity to investigate and resolve the matter.

Our customer support team will make reasonable efforts to resolve legitimate payment, delivery, technical, or access issues.

Nothing in this Policy restricts any legal right you may have to contact your bank, card issuer, payment provider, or other competent authority.

17. Fraud and Abuse

SYNAPSE LLC reserves the right to refuse a refund request where there is reasonable evidence of:

  • Fraud.

  • False or misleading information.

  • Intentional abuse of this Refund Policy.

  • Repeated misuse of refund requests.

  • Attempts to obtain digital content without legitimate payment.

  • Unauthorized redistribution of our digital products.

  • Other fraudulent or abusive activity.

Each request will be evaluated based on its individual circumstances and subject to applicable law.

18. Educational and Financial Information Disclaimer

Our digital guides are provided for general informational and educational purposes only.

The information contained in our products is intended to explain basic personal finance concepts in an accessible way and does not constitute individualized:

  • Financial advice.

  • Investment advice.

  • Tax advice.

  • Legal advice.

  • Credit counseling.

  • Accounting advice.

  • Financial planning services.

SYNAPSE LLC does not evaluate each customer's individual financial circumstances, goals, income, debts, risk tolerance, tax situation, or investment needs.

Customers should consider their own circumstances and seek advice from an appropriately qualified professional where necessary before making significant financial decisions.

19. No Guarantee of Financial Results

The information contained in our guides is educational in nature.

Purchasing or using a SYNAPSE guide does not guarantee:

  • Increased savings.

  • Elimination of debt.

  • Improvement of a credit score.

  • Approval for credit or financing.

  • Investment returns.

  • Increased income.

  • Financial independence.

  • Any specific financial result.

Individual outcomes depend on numerous factors outside our control.

A refund will not generally be provided solely because a customer does not achieve a particular financial result after using the information contained in our guides, except where required by applicable law.

20. Investing Content

Any information concerning investing is intended to explain general concepts and terminology for educational purposes.

Nothing contained in our guides should be interpreted as:

  • A recommendation to purchase or sell a particular investment.

  • A recommendation concerning a specific security or financial product.

  • A prediction of future investment performance.

  • A guarantee of profit.

  • A guarantee against financial loss.

Investing involves risk, including the possible loss of money.

Customers remain responsible for their own financial and investment decisions.

21. Credit and Debt Information

Information concerning credit, borrowing, interest rates, APR, repayment, debt management, or credit scores is provided for general educational purposes.

Actual lending terms, credit decisions, interest rates, credit scoring methods, eligibility requirements, and financial products may vary between providers and may change over time.

SYNAPSE LLC does not control the decisions or policies of banks, lenders, credit bureaus, or other financial institutions.

22. Third-Party Products and Services

Our guides may refer to general financial products, applications, websites, banks, financial institutions, budgeting tools, or other third-party services for educational purposes.

SYNAPSE LLC does not control these third parties and cannot guarantee their:

  • Availability.

  • Pricing.

  • Interest rates.

  • Fees.

  • Eligibility requirements.

  • Terms and conditions.

  • Accuracy.

  • Features.

  • Continued functionality.

Customers should review the current terms and information provided directly by the relevant third party before using any financial product or service.

23. Mandatory Consumer Rights

Nothing in this Refund Policy is intended to exclude, restrict, waive, or limit any consumer right or legal remedy that cannot lawfully be excluded.

Where applicable law provides customers with rights that are more favorable than the terms described in this Policy, those mandatory rights will apply.

24. Changes to This Refund Policy

We may update this Refund Policy from time to time to reflect changes to our products, services, business practices, or legal requirements.

The current version will be published on our website together with the corresponding “Last updated” date.

Changes will not remove any mandatory rights applicable to purchases made before an updated version takes effect.

25. Contact Us

If you have questions about this Refund Policy, experience a problem with a purchase, or would like us to review a transaction, please contact:

SYNAPSE LLC
8206 Louisiana Blvd NE Ste A 9377
Albuquerque, NM 87113
United States

EIN: 98-1969487
Email: contact@synapseebbok.com
Phone: +1 (505) 888-8883
Website: synapseebbok.com

We aim to respond to customer enquiries within a maximum of 2 business days, Monday through Friday, excluding public holidays.