Refund policy

Service Agreement (Terms of Sale)

Last updated: 06/05/2026

Company: TAP Productions Ltd (trading as “TAP” / “The Tobi Arayomi Podcast”)

Registered office: 71–75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ (England & Wales)

Contact: tapmediaadmin@gmail.com

This Agreement governs your purchase and use of our digital products, physical merchandise, coaching, education programmes, memberships, events and related services (the “Services”). By purchasing or accessing any Service or product, you agree to these terms.

1) Intellectual Property & Use Licence

1.1 Ownership. All course/coaching content, recordings, workbooks, spreadsheets, calculators, templates, documents, videos, merchandise designs, branding, community materials and other assets (“Company Materials”) are owned by TAP Productions Ltd or our licensors.

1.2 Licence. We grant you a personal, revocable, non‑exclusive, non‑transferable licence to access and use digital Company Materials for your own learning and personal financial management. Physical merchandise is sold to you for personal use. No intellectual property rights are assigned or transferred.

1.3 Restrictions. You must not: (a) copy, reproduce, distribute, publish, modify, or create derivative works of digital content; (b) share/sell/sublicense access (including logins, downloads, call links, or community content); (c) record, screenshot or otherwise capture live/private sessions without written consent; (d) resell or deliver our coaching, tools or materials as your own service; (e) mass‑download or scrape content; (f) reproduce, counterfeit or resell merchandise or merchandise designs.

1.4 Breach. Unauthorised use may result in immediate access termination and legal action (including damages, injunctive relief, and recovery of losses and costs).

2) Orders, Pricing & Payments

2.1 Products. Services and products include: (a) digital financial tools (budget spreadsheets, debt calculators, spending trackers, financial audit scorecards); (b) financial education programmes and courses (including challenges and accelerators); (c) coaching and mentorship sessions; (d) memberships and communities; (e) live/online workshops and events; (f) physical merchandise (apparel, accessories, printed materials); (g) podcast‑related content and digital downloads.

2.2 Pricing & taxes. Prices are shown in GBP and include VAT where applicable. If VAT registration applies, it will be displayed at checkout. You are responsible for any taxes in your jurisdiction. Shipping costs for physical merchandise will be shown at checkout before you complete your order.

2.3 Payment processing. Payments are handled by third‑party processors. Access to digital products is personal to the purchasing individual. Physical merchandise orders are fulfilled to the delivery address provided at checkout.

2.4 Chargebacks. Please contact us first to resolve billing issues. Unwarranted chargebacks may be treated as breach and forwarded to collection.

3) Refunds, Cancellations & Access

Default rule (unless the sales/marketing page for a product states otherwise):

3.1 Digital products & live programmes. You may request a refund within 14 days of purchase provided you have not accessed a substantial part of the digital content or attended live sessions. Once substantial access occurs, refunds are unavailable except as required by law.

3.2 Memberships/subscriptions. Cancel any time to stop future renewals. For the first charge, you may request a refund within 14 days, provided you have not accessed a substantial part of members‑only content or attended live sessions during that period. For renewals just processed, you have 14 days to request a refund on the same basis.

3.3 Physical merchandise. Physical merchandise may be returned within 14 days of delivery provided items are unused, unworn, in original packaging and with tags attached. You are responsible for return shipping costs unless the item is faulty or we sent the wrong item. Personalised or custom‑printed items are non‑refundable unless defective. To initiate a return, email tapmediaadmin@gmail.com with your order number and reason for return.

3.4 How to request. Email tapmediaadmin@gmail.com with subject “Refund Request”, including your order email and order ID. Approved refunds are returned to the original payment method within 5–10 business days after approval (timing may vary by bank/processor).

3.5 Delivery. The digital Service is considered delivered when any one of the following occurs: (a) credentials issued; (b) digital content made available for streaming/download; (c) digital tools (spreadsheets, calculators, templates) delivered or made accessible; (d) live coaching/mentorship scheduled or attended; (e) community access granted; (f) booking links or call invites sent. Physical merchandise is considered delivered when the courier confirms delivery or the item is collected.

3.6 Event changes by us. If we postpone or cancel a live programme, you may choose a new date, account credit, or refund per the product page terms.

3.7 Abuse/fraud. We may refuse future sales, revoke access, or close accounts in cases of refund abuse, fraud, chargebacks, or Terms breaches.

4) Physical Merchandise

4.1 Dispatch & delivery. We aim to dispatch merchandise orders within 5 business days of payment. Estimated delivery times are provided at checkout but are not guaranteed. We are not liable for delays caused by couriers or customs.

4.2 Damaged/defective items. If your order arrives damaged or defective, contact us within 14 days of receipt with photos at tapmediaadmin@gmail.com. We will replace the item or issue a full refund including original shipping costs.

4.3 Risk. Risk of loss passes to you upon delivery. We recommend selecting tracked shipping where available.

5) Education‑Only / No Professional Advice

5.1 Our Services provide financial education and general guidance. We do not provide regulated financial advice, investment advice, debt counselling, legal, medical, tax or accounting advice, and no part of the Services constitutes a personalised recommendation within the meaning of the Financial Services and Markets Act 2000 or FCA regulations.

5.2 Our tools (including budget spreadsheets, debt calculators and financial trackers) are for educational and informational purposes only. They are not a substitute for professional financial advice tailored to your individual circumstances. You should consult a qualified financial adviser before making significant financial decisions.

5.3 Examples/testimonials are illustrative only. Results vary by individual; no outcomes are guaranteed.

6) Compliance & Lawful Use

6.1 We operate from the UK and comply with applicable laws and platform policies. You must not use the Services for any unlawful purpose.

6.2 We may suspend or terminate access where necessary to protect users, our business, or to comply with law/enforcement requests.

7) Warranties, Liability & Indemnity

7.1 No warranties. Digital Services are provided “as is.” We disclaim implied warranties to the maximum extent permitted by law. Physical merchandise is covered by your statutory rights under the Consumer Rights Act 2015.

7.2 Limitation. To the extent permitted by English law, our total liability for foreseeable loss arising out of or in connection with the Services is limited to the total fees you paid in the 12 months prior to the claim. Nothing excludes liability for death/personal injury caused by negligence, fraud, or any liability that cannot be excluded by law.

7.3 Indemnity. You agree to indemnify TAP Productions Ltd against claims, losses and costs arising from your breach of these Terms or misuse of the Services.

7.4 Nothing in these Terms affects your statutory rights as a consumer under English law.

8) Governing Law & Disputes

8.1 This Agreement is governed by and construed in accordance with the laws of England and Wales.

8.2 Any dispute shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless you are a consumer entitled to bring proceedings in your local courts.

9) Changes to These Terms

We may update these Terms from time to time. The “Last updated” date will change and, where appropriate, we will provide additional notice. Continued use of the Services after changes constitutes acceptance.