Payment and Refund Policy

Last updated: October 2, 2026

Scope of the Policy and the Products or Services It Covers

This Payment and Refund Policy applies to all commercial transactions conducted through the website operated by galaventro.net. It covers services related to Life in Focus People, Culture and Everyday Change, including workshops, consulting sessions, training programs, and related offerings focused on organizational development, cultural transformation, and personal growth initiatives. The policy governs payments made by individuals and organizations located in Canada for these services. It does not apply to non-commercial interactions or content provided without charge. All services are delivered either in person within Canada or through digital platforms accessible nationwide, ensuring compliance with applicable federal and provincial laws governing e-commerce and consumer protection.

Prices, Currencies, Taxes, and Any Additional Charges

All listed prices are in Canadian dollars unless otherwise specified. Prices include applicable federal and provincial taxes such as the Goods and Services Tax or Harmonized Sales Tax depending on the province of the customer. Additional charges may apply for customized services, travel expenses for on-site delivery, or premium materials provided during sessions. Customers will receive a clear breakdown of all costs before completing any transaction. No hidden fees are added after authorization. Currency conversions for international customers are handled by their payment provider and may include extra charges not controlled by galaventro.net.

Accepted Payment Methods, Payment Authorisation, and Payment Security

We accept major credit cards, debit cards, and bank transfers processed through secure third-party gateways compliant with Payment Card Industry standards. Payment authorization occurs at the time of booking or order placement. All transactions use encrypted connections to protect card details. galaventro.net does not store full payment information on its servers. Customers receive immediate confirmation of successful authorization via the website interface. In cases of declined payments, the transaction is not processed, and no services are provided until successful payment is confirmed.

Order, Booking, or Service Confirmation and When a Contract Is Formed

A contract is formed upon successful payment authorization and issuance of a confirmation notice displayed on the website or sent through the platform. This notice details the service description, date, location if applicable, and total amount paid. Bookings are confirmed only after payment clears. Customers must review all details before submitting payment as the confirmation establishes binding terms under Canadian contract law.

Cancellation Rights and Applicable Cancellation Periods

Customers have the right to cancel services within fourteen days of booking without penalty, provided the service has not yet commenced. For services scheduled within this period, cancellation must occur before the start time to qualify for full refund eligibility. Provincial consumer protection laws in Canada may extend these rights in certain jurisdictions, and galaventro.net honors all mandatory minimum periods. Cancellations after the period or after service delivery are subject to the refund eligibility rules outlined below.

Refund Eligibility, Exclusions, and Non-Refundable Items or Services

Refunds are available for cancellations made before service commencement within the allowed period, minus any non-refundable deposits if specified at booking. Exclusions include services already partially or fully delivered, customized materials prepared specifically for the customer, and promotional offers marked as non-refundable. Digital access codes or recordings provided as part of services become non-refundable once accessed. No refunds are issued for no-shows or late cancellations without valid cause under consumer law.

The Step-by-Step Procedure and Information Required to Request a Refund

To request a refund, contact galaventro.net using the details on the Contacts page or by calling 604-866-0057. Provide the order number, date of purchase, reason for cancellation, and preferred refund method. Requests must be submitted in writing through the contact form or by phone. Incomplete requests will be returned for additional information. Keep records of all communications for your reference.

Inspection, Approval, Rejection, and Notification of the Refund Decision

Upon receipt of a complete request, galaventro.net will inspect the details within five business days. Approval is granted if eligibility criteria are met. Rejection occurs for late requests or excluded items, with a clear explanation provided. Notification of the decision is sent through the same channel used for the request. Customers may appeal rejections by providing additional supporting information within seven days.

Refund Method, Processing Time, and When Funds Should Reach the Customer

Approved refunds are issued to the original payment method. Processing takes up to ten business days after approval, with funds typically appearing in customer accounts within fourteen business days depending on the financial institution. Bank transfers may take longer. galaventro.net provides a reference number for tracking purposes upon request.

Special Rules for Digital Content, Subscriptions, Services, or Promotional Offers Where Relevant

For digital services or recordings, access is granted immediately upon payment, limiting cancellation rights after download or viewing begins. Subscriptions for ongoing programs allow cancellation at any renewal period with thirty days notice. Promotional offers are subject to the same rules but may have shorter windows for eligibility. Services involving live interaction follow standard cancellation periods unless otherwise stated at purchase.

Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud

Failed payments must be resolved before services commence. Duplicate charges are investigated and refunded automatically if confirmed. Chargebacks are treated as disputes and may result in service suspension pending resolution. Suspected fraud leads to immediate transaction hold and reporting to relevant authorities in Canada. Customers should monitor statements and report issues promptly to 604-866-0057.

Mandatory Consumer Rights in the Target Country That the Policy Cannot Exclude

This policy does not limit rights under the Competition Act, provincial consumer protection legislation such as the Consumer Protection Act in Ontario or equivalent laws elsewhere in Canada, or other applicable statutes. Customers retain rights to remedies for unfair practices, defective services, or misrepresentations regardless of this policy. Disputes may be resolved through small claims court or provincial consumer affairs offices.

Contact Route, Policy Changes, and Last-Updated Date

For questions about this policy, use the contact form on the Contacts page or call 604-866-0057. The address for written correspondence is 3731 Millar Ct, Abbotsford, BC V2S 7K5, Canada. galaventro.net may update this policy to reflect changes in law or operations. Continued use of services after updates constitutes acceptance. The last updated date appears at the top of this page. Customers are encouraged to review the policy periodically.