30-day money-back policy — changing curves

What's covered

The membership fees you have paid in your first 30 days as a member — refunded in full, to the card you paid with.
It applies once per person, on your first membership.
You don't need a reason. If you tell us what went wrong we'll listen, but it isn't a condition of the refund.

What isn't covered

Membership fees charged after your first 30 days. You can cancel any time and the next payment simply doesn't happen — but months already used aren't refunded under this policy.
Prescription medicines. If you are ever prescribed a medicine, it is a separate clinical decision, charged separately, and it is not part of your membership fee. Dispensed medicine can't be returned or resold, so refunds there are a matter for the dispensing pharmacy and your statutory rights, not this policy.
Physical products bought alongside your membership (for example a supplement), which carry their own returns terms at the point of purchase.

How to claim

Email hello@changingcurves.com from the email address on your membership, with 30-day money-back in the subject line. Replying to any changing curves email works just as well.
Tell us you'd like your money back. That's the whole message — there's no form.
We cancel your membership so nothing renews, and refund your membership fees to the card you paid with.

You can also cancel your membership yourself at any time without claiming a refund. Cancelling and claiming a refund are not the same thing — if you want your money back, say so in an email, because a cancellation on its own only stops future payments.

Timeframes we hold ourselves to

Your 30 days start on the date of your first membership payment and run for 30 calendar days, inclusive. A first payment on 1 August means we'll accept a claim up to and including 31 August.
We reply within 1 business day to confirm we've got it.
We process the refund within 5 business days of your request.
Your bank then takes 5–10 business days to show it on your statement. That part isn't ours to speed up, and the refund is irreversible from our side once we've sent it.

Who honours it

changing curves — the same business you paid. Refunds are made to the original payment method through our payment provider, Stripe. We don't ask you to accept a credit, a voucher, or an extra free month instead of your money.⚠ PRE-LIVE: insert the registered operating entity's legal name and NZBN here once the company is formed — a policy that doesn't name who is bound by it is weak, and this is the one page where that matters.

Your rights under New Zealand law

This policy sits on top of your statutory rights, and nothing on this page limits them. Under the Consumer Guarantees Act 1993 you are entitled to services carried out with reasonable care and skill and fit for purpose, and to a remedy if they aren't — whether or not your 30 days have passed. The Fair Trading Act 1986 requires that what we say on this site is accurate, which is exactly why this policy is written down rather than left as a banner.

If you're not happy with how we handle a claim, our complaints process sets out what to do next, including the external bodies you can go to.