Refund & Cancellation Policy

Merchant Whisperer Refund & Cancellation Policy. Effective date: October 23, 2026

At a glance

• The Merchant Processing Fee Evaluation is $300, one time. There is no subscription and nothing renews.
• Within 30 days of your order date, before you submit statements: full refund on request.
• After day 30 without statements: a refund is no longer available, but your order stays active.
• Statements received within 90 days of your order date: your purchase still applies and we complete the evaluation at no additional charge.
• After day 90 without statements: the order expires with no refund or credit.
• Once we receive your statements, the fee is non-refundable.
• No refunds are provided after the report has been delivered to the client.
• Your report is delivered as a Google Drive file shared only with your email address (or an equivalent secure link); delivery is complete when we share it.
• If we do not deliver within 7 days of receiving complete statements, you may request a full refund before delivery.
• We email reminders on day 7 and day 21.
• The same terms apply whether you pay by card, Apple Pay, or Google Pay.

1. What this policy covers

This policy applies to the Evaluation purchased through our Airwallex-hosted payment link by Living Out US, LLC, doing business as Merchant Whisperer. It is part of our Terms of Service. Fees under a separate Advisory Agreement are governed by that agreement. Because the Evaluation is a one-time purchase, there is nothing to cancel to avoid future charges. You accept this policy by ticking the required checkbox at checkout.

2. Key terms

• Order date is the date your payment is authorized. All day counts run from that date.
• Submitted means we have received the required statements (the most recent 3 months of processing statements for each account you want reviewed), by email to [email protected] or through our secure upload link, in readable form.
• Delivered means we have shared your report with the email address you used at purchase, as a Google Drive file shared only with that address or through an equivalent secure download link. Delivery is complete when we share it, whether or not you open it, and our records of delivery and access are confirmation of delivery.
• Days means calendar days. "Within 30 days" and "within 90 days" mean by the end of day 30 and day 90.

3. Before you submit statements: full refund on request

You may ask for a full refund at any time within 30 days of your order date, as long as you have not yet submitted your statements. To request one, email [email protected] (or reply to any of our reminder emails) with your name, the email used at purchase, and the date of purchase. We will refund the full $300 to your original payment method, with no deductions, within 3 business days of your request. Your bank or card issuer may take additional time to post it. If you paid with Apple Pay or Google Pay, the refund goes to the underlying card you used, which may appear under that card or your wallet's device account.

4. The 30-day and 90-day windows

Please submit your statements within 30 days of your order date. We email reminders on or about day 7 and day 21, to the address used at purchase. Reminders are a courtesy; a missed or filtered reminder does not change any deadline, so please check your spam folder or contact us if you need help.

After day 30 without statements, a refund is no longer available. Your order stays active, and if you submit your statements by the end of day 90, your purchase still applies and we complete the Evaluation at no additional charge, with your report delivered within 7 days after we receive all required statements.

After day 90 without statements, the order expires with no refund or credit, because statements are required to perform the evaluation. No report will be prepared, and you may place a new order at the then-current price.

5. After we receive your statements: non-refundable

Once we receive your required statements, whether within the first 30 days or later within 90 days, we begin the Evaluation and the fee is non-refundable. No refunds are provided after the report has been delivered to the client. We will deliver your written report, including a scorecard and recommendations, within 7 days after we receive all required statements, as a Google Drive file shared only with your email address or through an equivalent secure link. If anything is missing or unreadable, we will tell you what we need, and the 7 days start when we have it.

6. When we will refund anyway

We will refund the fee in full if:

• We do not deliver your report within 7 days after we receive all required statements in complete, readable form, and you ask for a refund before the report is delivered (we will refund the full $300 on request)
• We are unable or unwilling to perform the Evaluation after you have paid (for example, your business is outside the scope of our service)
• You were charged twice for the same order, or the charge was not authorized by you

Nothing in this policy limits any rights you have under applicable law.

7. Same terms for every payment method

Credit cards, debit cards, Apple Pay, and Google Pay buyers get the same refund and cancellation terms. Refunds are always issued to the original payment method.

8. Questions about a charge

The charge appears as MERCHANT WHISPERER. If you do not recognize a charge or think it is wrong, please contact us first at [email protected], before you contact your bank or card issuer or file a dispute, so we can resolve it quickly. You accept this policy and our Terms of Service by ticking the required checkbox at checkout, and we keep a record of your acceptance. If a dispute is filed, we will provide the order record, your checkbox acceptance, our delivery and access records, and this policy to the card network or your bank.

9. Changes

We may update this policy. The version in effect on your purchase date governs your order.

10. Contact

Living Out US, LLC, doing business as Merchant Whisperer 1914 Thomes Avenue, Suite 2, Cheyenne, WY 82001 [email protected] | (307) 509-0701