Refund Policy

1. The headline

ClearLegacy does not refund a change of mind. Your Will is personalised digital content generated from the answers you review and confirm before paying. Supply begins the moment you pay: your first draft is emailed to you immediately, every Will is checked before it is issued, and your final, signing-ready Will usually follows within 24 hours. Once you have paid, one free update is included. If a paid Will is never delivered to you, we refund you in full.

2. How our buying process works

You do not pay anything to start using ClearLegacy, and nothing is charged until you have reviewed and confirmed every answer your Will is built from.

1. You complete the online questionnaire. Free to use. No card details required.
2. You review your answers in full. The final step shows every answer — executors, beneficiaries, guardians, gifts — and you can edit any section as many times as you need, at no cost.
3. Only once you confirm your answers do you proceed to checkout. Payment is taken via Stripe.
4. At checkout you ask us to begin straight away and acknowledge that you lose the right to cancel once your first draft has been sent.
5. Your first draft is emailed to you immediately after payment, generated from your confirmed answers.
6. Every Will is checked before it is issued — an automated review against the Wills and Administration Proceedings (Northern Ireland) Order 1994, with the founder personally checking anything it flags — and the final, signing-ready PDF is emailed to you, usually within 24 hours.

3. Why all sales are final

Your Will is personalised digital content, prepared to your confirmed instructions and supplied immediately after payment with your express request and acknowledgement. For that reason:

• We do not offer refunds for change of mind after payment.
• We do not offer refunds where the document accurately reflects the answers you reviewed and confirmed.
• We do not offer partial refunds, store credit, or transfers of payment to a different product.
• We do refund in full if you pay and your Will is never delivered to you.

4. Your right to cancel

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 you would normally have 14 days to cancel a contract for digital content bought online. At checkout you expressly ask us to begin supplying your Will immediately and acknowledge that you lose that right once supply has begun. Supply begins when your first draft is sent, which happens straight after payment. We confirm your request and acknowledgement in the email that carries your first draft.

For that reason there is no cancellation period after payment. Your statutory rights under section 5 below are unaffected.

5. What this policy does not affect

This policy applies to refund claims based on dissatisfaction or change of mind. It does not affect:

• Errors that are our fault. If, after payment, we discover that we have introduced an error into the document (for example a typo we inserted that was not in your answers), we will re-issue the corrected PDF free of charge. Corrections are made by re-issuing the document, not by cash refund.
• Statutory rights. Nothing in this policy excludes any liability that cannot be excluded under the law of Northern Ireland, including under the Consumer Rights Act 2015 or for death, personal injury, fraud or any other liability that cannot be limited. Where the law gives you a right we cannot exclude, that right is preserved.

6. Payments you don't recognise

The name on your card statement will be Kaizen Finance Ltd, the company that trades as ClearLegacy. If you see a charge you don't recognise, please email [email protected] first — we can find your order in seconds. If a payment is disputed with a card issuer, we provide the issuer with the record of your confirmed answers, your checkout request and acknowledgement, the payment and the delivery of your draft and final Will.

7. Before you pay — ask us anything

If anything is unclear before you reach the payment step — about the service, the document, the price, or this policy — please email [email protected]. There is no obligation, no card on file, and no payment due until you tell us you are ready.

8. Complaints

If you are unhappy with the document after payment, please follow our Complaints Procedure rather than requesting a refund. We aim to acknowledge complaints within three working days and to provide a final response within 28 days. Where we have made an error, we will put it right at no further cost.

9. Contact

For any question about this Refund Policy:

• Email: [email protected]

ClearLegacy is a trading name of Kaizen Finance Ltd, a company registered in England and Wales (Company No. 12092327).