Refund and Returns Policy
Last updated: 22 October 2026
1. Overview
We want you to be happy with your purchase. This policy explains when you can cancel, return or get a refund. It does not limit your rights under the Consumer Protection Act (CPA) or the Electronic Communications and Transactions Act (ECTA).
2. eBook
Your eBook is available immediately after payment. Each copy is personalised with your name and contact details. In terms of section 42(2) of ECTA, the 7-day cooling-off period does not apply to books or to goods that are clearly personalised for the consumer. We therefore cannot refund an eBook simply because you changed your mind.
3. Audiobook
You may cancel an audiobook within 7 days of purchase for a full refund, as long as you have not played any of it. Once you have accessed the audiobook, we cannot refund it because you changed your mind.
4. Faulty eBooks and audiobooks:
We will fix the problem or refund you in full if the file or audio is faulty, incomplete or not as described; you cannot get access and we cannot fix it within 5 working days; or you were charged twice for the same product by mistake.
5. Modern Money Masterclass
If you are not happy with the Masterclass, you may cancel within 14 days of purchase for a full refund. Email info@modernmoney.co.za with your order number. Your course access ends when the refund is processed.
6. Physical copies (paperback and hardcover)
- Change of mind: you may return an unused physical copy (paperback or hardcover) in its original condition within 14 days of receiving it. You pay the cost of returning it, and we refund the purchase price.
- Damaged, defective or wrong item: tell us within 14 days of delivery (a photo helps). We will replace it or refund you in full, including delivery costs.
7. How to request a refund
Email info@modernmoney.co.za with your order number and the reason. We will reply within 14 working days.
8. How refunds are paid
Approved refunds are paid back to the card you used, through our payment provider Yoco, within 30 days (usually much sooner). Your bank may take a few extra days to show it.
9. Questions
Email info@modernmoney.co.za and we will be happy to help.