This policy applies from the date we receive your written cancellation notice.

Group Sessions

• Cancellation must be made at least 48 hours before the class start time.
• Late or missed cancellations are non-refundable, except in medical emergencies supported by a doctor’s certificate.

One-to-One Sessions (Zoom or In Person)

• 48-hour minimum cancellation notice applies
• Sessions cancelled with less notice or unattended will be charged in full, except in medical emergencies supported by a doctor’s certificate.

Workshops and Courses

1. If You Cancel (Refund Policy)

If you need to cancel your booking, the refund amount depends on when we receive your written cancellation notice.

If you provide notice 60 days or more before the event, you have three options:

• Refund: Receive a refund calculated as the installments received minus a fixed £75.00 Administrative Fee. (If the full fee has been paid, the refund will be the full fee minus the £75.00 fee).
• Full Credit: Choose to have the entire fee paid converted into credit for use on future services.with Holistic Ruby within 12 months of the original event date.
• Transfer: Transfer the entire fee paid to secure a spot on another available workshop or course with Holistic Ruby within 12 months of the original event date.

If you cancel with less than 60 days notice before the event, no refund will be issued (see Transfer/Liability below).

2. Transfers & Liability (Less than 60 Days Out)

If you cancel less than 60 days before the event:

• Payment Liability: You remain liable for and must complete all outstanding installment payments for the full cost of the workshop or course.
• Credit Use: Once the full fee is paid (or if the full fee was paid upfront), the amount paid will be converted into credit for use  with Holistic Ruby within 12 months of the original event date.
• Credit Transfer: You may transfer this credit to another service (workshop, course, or session) with Holistic Ruby within 12 months of the original event date.

3. Exceptions

• Waitlist: If your spot is filled from a waiting list, you will receive a refund from the installments received minus the £75 admin fee.
• Installment Payments (Refund Exception): If you paid by installment and qualify for a refund under an exception above (Waitlist ), you will be refunded the amount paid minus the £75 admin fee.

Glastonbury Retreat Deposits (Non-Refundable)

Specific large-scale events, such as the Glastonbury Retreat, require a non-refundable deposit to secure your place due to venue and planning commitments.

• Residential Retreat Deposit: A deposit of £150.00 is non-refundable.
• Non-Residential Deposit (Group Event): A deposit of £100.00 is non-refundable.

These deposits are separate from the Administrative Fee and will not be refunded or converted to credit if you choose to cancel, regardless of the notice period. The remaining balance of the retreat is subject to the general cancellation terms above.

Our Policy (If Holistic Ruby Cancels)

• If we cancel or reschedule the event, you will be offered a full refund or a transfer to the new date.

General Terms

• • Attendance: No refund or certificate will be issued for partial attendance.
  • Liability Note: We are not responsible for any personal costs (like travel or accommodation) you incur if an event is cancelled or rescheduled.
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Travel Insurance (Recommended for Retreats): Due to the costs associated with retreats and the specific cancellation terms, we highly recommend that participants purchase comprehensive travel insurance immediately after booking. This is to cover any losses incurred for travel, accommodation, or the course fee should you need to cancel unexpectedly, for reasons including government closure, transport disruption, venue issues, or other unforeseen circumstance

Replace current T& C’s  number 8 with the following:

8. How To Pay

Payment is due in advance when booking through our online checkout.
We accept:

• Major debit/credit cards
• PayPal (including PayPal Pay-in-3)
• Klarna (where available)

Add new section T& C’s  number 8 .1 with the following:

8A. Instalment Payment Terms (Selected Courses and Workshops)

8A.1 Scope

Instalment options are available only for certain workshops and long-form courses, as specified at checkout.
Plans may be offered:

• directly by Holistic Ruby, or
• via third-party BNPL providers (PayPal Pay-in-3 / Klarna).

8A.2 Direct Instalment Plans

• Direct instalments are interest-free and collected automatically on scheduled dates.
• Payment details are shown at checkout or in your Order Confirmation.
• You authorise Holistic Ruby (or its processor) to charge your saved method on each due date.
• You must keep your payment method valid and funded.
• If payment fails for > 7 days, we may suspend your access or require immediate full payment.
• These plans are exempt from FCA regulation under Article 60F(2) RAO (interest-free, under 12 months).

8A.3 Third-Party Credit Providers

• PayPal Pay-in-3 and Klarna are separate, regulated providers.
• By selecting one, you enter into a credit agreement with that provider.
• Their own terms and privacy policies apply.
• Holistic Ruby bears no responsibility for lender decisions or administration.

8A.4 Cancellations and Refunds

• The refund policy in Section 4 applies equally to instalment purchases.
• Once a course or workshop has begun, payments are non-refundable.
• You may request to defer your enrolment to a future course date (subject to availability).
• Approved refunds will be prorated across instalments already paid.

8A.5 Early Settlement

You may settle your instalments early at any time without penalty.
Contact ruby@holisticruby.com for assistance.

8A.6 Data Protection

All transactions are processed securely via authorised payment processors.
Holistic Ruby does not store full card details.

8A.7 Disclosure

Nothing in these Terms affects your statutory rights.
These interest-free instalments are not regulated credit agreements where exempt under UK law.