This Return, Refund & Cancellation Policy explains the terms that apply to eligible purchases from Secret To Life.

Secret To Life is operated by Schirtzer Holdings LLC, a California limited liability company doing business as Secret To Life (“Secret To Life,” “we,” “us,” or “our”).

This policy should be read together with our Master Purchase Agreement and any additional terms presented for a particular product or service. If an offering has specific refund or cancellation terms, those terms will be identified before purchase and will apply to that offering to the extent permitted by law. Nothing in this policy limits rights that cannot legally be waived.

1. Digital Products and Courses

Digital products
Unless a specific product page or checkout expressly states otherwise, eligible digital products may be requested for a refund within five calendar days of purchase, subject to the applicable offering terms and any rights provided by law.

Some digital products may be designated as nonrefundable before purchase where permitted by law. Any such restriction must be clearly disclosed before the order is placed and will not override any nonwaivable legal right.

If you experience a technical problem accessing or using a digital product, please contact us so we can review the issue.

Digital courses with a ten-day guarantee

A digital course that expressly includes a ten-calendar-day refund guarantee may be eligible for a refund requested within ten calendar days of purchase, subject to the specific terms disclosed for that course.

The ten-day guarantee applies only to courses that expressly offer it. It does not automatically apply to every digital product, coaching engagement, group program, or other service.

The course checkout or offer page should state when the guarantee begins, how to request a refund, and any lawful conditions that apply.

2. Physical Products
For eligible physical products, you may request a return within ten calendar days of delivery, provided the product is in its original condition, unused, and undamaged, with its original packaging and included accessories where reasonably applicable.

To request a return:

Email [email protected] with your order number, the product name, and the reason for your request.

- Wait for return instructions before shipping the product back.

- Package the product securely and follow the instructions provided.

- Unless otherwise stated or required by law, customers are responsible for return shipping costs for a change-of-mind return.

If a product arrives damaged, defective, incorrect, or materially different from what was ordered, contact us promptly so we can review the issue and determine an appropriate remedy.

Approved refunds will generally be issued to the original payment method. We will provide return instructions and any applicable shipping arrangements when the request is reviewed.

This policy does not exclude remedies or protections available under applicable consumer protection or warranty laws.

3. Coaching and Consulting Services
Refunds, cancellations, rescheduling, and unused portions of coaching or consulting packages are governed by the Master Purchase Agreement and the applicable Coaching & Consulting Terms provided before purchase.

Those terms may address appointment scheduling, late cancellations, missed appointments, package duration, and requests to extend an engagement.

Please review the applicable service terms before purchasing. This policy does not create a separate refund entitlement for coaching or consulting services beyond the terms applicable to the engagement and any rights provided by law.

4. Group Programs, Events, and Other Offerings
Refunds and cancellations for group programs, workshops, events, and other specialized offerings will be governed by the terms disclosed on the relevant offer page or at checkout, together with the Master Purchase Agreement.

Any special refund window, cancellation deadline, transfer option, or nonrefundable condition must be clearly communicated before purchase and must comply with applicable law.

5. How to Request a Refund or Return
Contact us at:Email: [email protected]

Please include your name, order number, the product or service purchased, the purchase date, and a brief explanation of your request. For physical-product returns, include any relevant information about the product’s condition or delivery.

We may request additional information reasonably necessary to locate the order and assess the request.

We will review requests in accordance with the applicable offering terms and applicable law.

6. Refund Processing
When a refund is approved, we will generally submit it to the original payment method. The time it takes for the funds to appear in your account may depend on your payment provider or financial institution.

We aim to initiate approved refunds within 7–10 business days after approval, unless a different timeline is communicated or required by law. This is a processing target, not a guarantee of when the funds will appear in your account.

7. Legal Rights
This policy does not limit any refund, replacement, warranty, cancellation, or other remedy that applicable law requires us to provide. Where the law provides a right that conflicts with this policy, the law controls.

8. Changes to This Policy
We may update this policy as our offerings or business practices change. The version in effect at the time of purchase will generally govern that transaction, subject to applicable law and any specific terms agreed for the purchase.

We will update the “Last Updated” date when revisions are made.

9. Contact Us

Schirtzer Holdings LLC, doing business as Secret To Life
Mailing Address: 15333 Culver Dr. Ste 340 #2130 Irvine, CA 92604
Email: [email protected]