Refund and Cancellation Policy

Refund and Cancellation Policy

Effective Date: July 7, 2026

This Refund and Cancellation Policy explains the refund, cancellation, and access rules for donations, digital products, memberships, Training Plans, and other transactions made through the website and online services of My Quiet Cave, DBA Anchor International (“Anchor International,” “we,” “us,” or “our”).

This Policy should be read together with our Terms of Service, Privacy Policy, Digital Products and Copyright License, and Membership Terms.

By making a donation, purchase, payment, membership transaction, or Training Plan transaction through our website, you agree to this Policy.

1. Organization Information

Legal Entity: My Quiet Cave, DBA Anchor International
State of Incorporation: Colorado
Mailing Address: 455 S Youngfield Ct, Lakewood, Colorado 80228
Website: https://anchorinternational.org
Contact: Please contact us through our Contact page.

2. Summary of Refund Rules

Unless a separate written agreement or program-specific policy states otherwise, the following refund rules apply:

Transaction Type Refund Rule
Donations Refundable within 24 hours of transaction, minus payment processing fees
Digital downloads Non-refundable
Memberships / Training Plans Refundable within 24 hours of transaction, minus payment processing fees
Courses, events, or special programs Subject to the refund terms stated at registration, or this Policy if no separate terms are provided

3. Donations

Donations made to Anchor International are voluntary contributions intended to support our nonprofit mission, programs, resources, operations, training, outreach, ministry work, administration, and related purposes.

Donation Refund Window

Donations are refundable within 24 hours of the transaction, minus applicable payment processing fees.

After 24 hours, donations are generally non-refundable unless:

  • A refund is required by law.
  • The donation was made in error.
  • The donation was unauthorized or fraudulent.
  • Anchor International approves the refund in its discretion.
  • Anchor International determines that returning the donation is appropriate.

Restricted Donations

If a donor attempts to place restrictions on a donation that Anchor International cannot accept, honor, administer, or legally comply with, we may refuse, return, or redirect the donation as appropriate.

Refusal or Return of Donations

Anchor International reserves the right to refuse or return a donation where we believe doing so is appropriate, including where a donation may be:

  • Fraudulent.
  • Unauthorized.
  • Mistaken.
  • Legally restricted.
  • Inconsistent with our mission.
  • Connected to improper activity.
  • Administratively impractical to accept.
  • Subject to restrictions we cannot honor.

4. Digital Downloads

Digital downloads are non-refundable.

This includes, but is not limited to:

  • PDFs.
  • Workbooks.
  • Guides.
  • Curriculum materials.
  • Training documents.
  • Facilitator resources.
  • Templates.
  • Handouts.
  • Videos.
  • Downloadable files.
  • Digitally delivered resources.

Because digital products are typically accessible immediately after purchase or delivery, refunds are not provided once a digital product has been purchased, accessed, downloaded, delivered, or made available.

Anchor International may, in its discretion, assist with technical issues related to accessing a purchased digital product.

5. Memberships and Training Plans

Memberships and Training Plans are refundable within 24 hours of the transaction, minus applicable payment processing fees.

After 24 hours, memberships and Training Plans are generally non-refundable unless:

  • A refund is required by law.
  • The transaction was unauthorized or fraudulent.
  • The transaction was made in error.
  • Anchor International approves the refund in its discretion.

Access After Refund

If a membership or Training Plan is refunded, Anchor International may immediately revoke or restrict access to:

  • Member-only content.
  • Training Plan materials.
  • Protected resources.
  • Digital downloads connected to the plan.
  • Videos.
  • Course content.
  • Account features.
  • Community or program areas.
  • Facilitator-related materials.
  • Other benefits connected to the refunded transaction.

6. Cancellations

If memberships, Training Plans, or subscriptions are offered on a recurring basis, you may cancel future renewal payments according to the cancellation tools available in your account or by contacting Anchor International through our Contact page.

Cancellation stops future billing but does not automatically create a refund for past payments unless the payment qualifies for a refund under this Policy.

Unless otherwise stated:

  • Access may continue until the end of the current paid period.
  • Access may end immediately if a refund is issued.
  • Canceling does not erase past transaction records.
  • Canceling does not release you from unpaid amounts already owed.
  • Canceling does not permit continued use of protected materials beyond the license or access period.

7. Courses, Events, Trainings, and Special Programs

Some courses, events, trainings, facilitator programs, or special programs may have separate refund or cancellation terms.

Where separate terms are provided at registration or purchase, those terms control.

If no separate terms are provided, this Policy applies.

Anchor International may cancel, reschedule, modify, or replace courses, events, trainings, or programs when necessary. If we cancel a paid program without offering a reasonable substitute, we may provide a refund, credit, transfer, or other remedy at our discretion or as required by law.

8. Payment Processing Fees

Refunds may be reduced by applicable payment processing fees.

Payment processing fees may include fees charged by payment processors, card networks, donation platforms, ecommerce systems, membership tools, or other transaction service providers.

These fees are often not returned to Anchor International when a refund is processed.

9. Failed Payments, Chargebacks, and Payment Disputes

If a payment fails, is reversed, is disputed, or results in a chargeback, Anchor International may:

  • Suspend access.
  • Revoke membership access.
  • Revoke Training Plan access.
  • Disable download access.
  • Cancel registrations.
  • Place an account on hold.
  • Request updated payment information.
  • Recover unpaid amounts where permitted by law.

Please contact us before initiating a chargeback so we have an opportunity to review and resolve the issue.

Fraudulent or abusive chargebacks may result in account termination or restriction from future purchases, memberships, training access, or program participation.

10. Duplicate Transactions and Mistaken Payments

If you believe you made a duplicate transaction, entered the wrong amount, used the wrong payment method, or made another payment mistake, contact us promptly through our Contact page.

We may request information needed to verify the transaction, such as:

  • Name used for the transaction.
  • Email address used for the transaction.
  • Transaction date.
  • Transaction amount.
  • Last four digits of the payment card, where applicable.
  • Transaction ID or receipt number.
  • Description of the issue.

Anchor International may approve refunds for duplicate or mistaken transactions at its discretion or where required by law.

11. Unauthorized or Fraudulent Transactions

If you believe a transaction was unauthorized or fraudulent, contact us promptly through our Contact page and also contact your payment card issuer, bank, or payment provider.

We may investigate and cooperate with payment processors, financial institutions, law enforcement, or other appropriate parties.

Anchor International may revoke access to any resources, memberships, Training Plans, downloads, or benefits connected to unauthorized or fraudulent transactions.

12. Refund Processing Time

Approved refunds will generally be submitted to the payment processor within a reasonable time after approval.

The time it takes for funds to appear in your account depends on your bank, card issuer, payment provider, or payment processor.

Anchor International does not control processing times after a refund has been submitted to the payment processor.

13. Refund Method

Refunds are generally issued to the original payment method where possible.

If the original payment method is unavailable, expired, closed, or otherwise unable to receive a refund, Anchor International may determine an alternative refund method where appropriate and legally permitted.

14. No Tax Advice

Anchor International does not provide tax, financial, legal, or accounting advice.

Donation refunds, purchases, memberships, Training Plans, and other transactions may have tax implications depending on your circumstances and jurisdiction.

You are responsible for consulting your own tax advisor, accountant, or legal advisor regarding deductibility, reporting, documentation, and tax treatment.

15. Receipts and Donation Acknowledgments

Anchor International may provide receipts, confirmations, or acknowledgments electronically.

If a refund is issued, the original receipt or acknowledgment may no longer accurately reflect the final transaction amount.

Donors are responsible for maintaining accurate records and consulting their own tax advisors regarding the treatment of refunded donations.

16. Promotions, Discounts, and Coupons

If Anchor International offers discounts, coupons, promotional pricing, scholarships, partial waivers, or special pricing, those offers may be subject to additional terms.

Unless otherwise stated:

  • Promotions are not retroactive.
  • Discounts cannot be exchanged for cash.
  • Coupons may expire.
  • Promotions may be modified or discontinued.
  • Refunds for discounted purchases are based on the actual amount paid, minus applicable processing fees where allowed.

17. Account Termination and Policy Violations

Anchor International may deny a refund, suspend access, or terminate an account if we believe a user has:

  • Violated our Terms of Service.
  • Shared protected content without permission.
  • Misused digital products.
  • Abused refund requests.
  • Submitted fraudulent information.
  • Engaged in chargeback abuse.
  • Violated membership or Training Plan rules.
  • Used our website or resources unlawfully.

Termination of access does not automatically entitle the user to a refund.

18. Changes to This Policy

Anchor International may update this Refund and Cancellation Policy from time to time.

When we update this Policy, we will revise the Effective Date above. Changes become effective when posted unless otherwise stated.

The refund policy in effect at the time of the transaction will generally apply to that transaction, unless a change is required by law or is more favorable to the user.

19. Contact Information

Questions about refunds, cancellations, duplicate transactions, or payment issues may be directed to:

My Quiet Cave, DBA Anchor International
455 S Youngfield Ct
Lakewood, Colorado 80228

Contact: Please contact us through our Contact page.