Refund Policy

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This Refund Policy explains how refunds, cancellations, and delivery problems are handled for purchases made through the website operated by The Fifth Stream, LLC (“The Fifth Stream,” “we,” “us,” or “our”). It forms part of, and should be read together with, our Terms of Service. Where a term shown for a specific product or order is more detailed, that term controls.

1. Digital Products Are Final

All sales of digital products—including books, guides, practicums, frameworks, and other downloadable or digitally delivered resources (“Digital Products”)—are final. We do not offer refunds, returns, exchanges, or credits for Digital Products, including when a purchaser changes their mind, does not use the product, or purchases the wrong product. This rule is subject to any remedy that applicable law does not allow us to exclude.

2. Delivery Problems and Defective Files

If a Digital Product is not delivered, or if a file is materially defective or will not open as described, contact admin@thefifthstream.com within 14 days after purchase with your order information. After we verify the order and the issue, we may re-deliver, repair, or replace the affected product at no additional cost. A monetary refund will be provided only when required by applicable law or when we expressly agree otherwise in writing.

3. Order Errors and Cancellations

Your order is an offer to purchase, and we may accept, decline, limit, or cancel an order for reasons such as pricing or description errors, suspected fraud, unauthorized activity, technical problems, or unavailability. If we cancel an order after collecting payment, we will refund the amount collected for the canceled item.

4. Advisory Services

This Refund Policy applies to product sales made through the website. Advisory engagements—including Personal Advisory and Systems Advisory—are not products and are governed by a separate written Advisory Services Agreement. Fees, deposits, rescheduling, and cancellation terms for advisory work are set out in that agreement and any accompanying invoice or engagement documents, not in this policy.

5. How Payments and Refunds Are Processed

Purchases are processed through Squarespace and third-party payment processors such as Stripe. When a refund is issued under this policy or as required by law, it is returned to the original payment method through the same processor. Processing times are determined by that provider and your financial institution.

6. Contact

To report a delivery problem, request assistance with an order, or ask a question about this policy, contact: