1. Overview
FERS101.com offers both free and paid features. Paid offerings include recurring membership subscriptions, one-time purchases of digital content, and access to live webinars, workshops, and events. Because most of what we sell is digital and educational in nature, refund eligibility depends on the type of purchase, as described below.
All applicable fees, billing cycles, and auto-renewal terms are clearly disclosed before you complete any transaction. You will not be charged without your affirmative consent, including the affirmative act of completing a purchase or subscription enrollment.
2. Membership Subscriptions
FERS101.com currently offers the following membership tiers, billed on an annual basis unless otherwise disclosed at the point of sale:
● Explore (Free): Basic annuity estimates and starter educational content. No charge and therefore no refund applies.
● Expert Assist ($120/year): Full benefit projections, including TSP and Social Security tools.
● Maximize ($250/year): Complex-scenario tools, specialist check-ins, and priority support.
Pricing shown above is provided for reference and is subject to the current pricing disclosed on the Platform’s pricing page at the time of purchase.
2.1 Initial 30-Day Refund Window
If you cancel a paid subscription within thirty (30) days of the initial subscription charge, you may be eligible for a prorated refund of the unused portion of the subscription period. To request a refund, follow the process in Section 6.
2.2 Renewals
Subscriptions renew automatically at the end of each billing cycle unless cancelled. Refund eligibility for renewal charges is subject to the specific terms disclosed to you at the time of renewal. We recommend cancelling before your renewal date if you do not wish to be charged for another term.
2.3 Auto-Renewal and Cancellation
You may cancel your subscription at any time through your account settings or by contacting admin@fers101.com. Cancellation stops future renewal charges; unless a refund applies under this Policy, cancellation does not by itself refund amounts already paid, and you will generally retain access to paid features through the end of your current paid term.
3. Digital Content (Courses, Reports, and Downloads)
Individual courses, reports, downloadable guides, worksheets, and similar digital content may be offered for one-time purchase at prices disclosed at the point of sale.
No refunds will be issued on consumed or accessed digital content — including downloaded files, accessed course modules, or viewed reports — unless the content is materially defective or materially different from its description. Claims of a material defect or material discrepancy must be submitted within fourteen (14) days of purchase, following the process in Section 6, and should include a description of the defect or discrepancy.
4. Webinars, Workshops, and Live Events
Refund terms for live webinars, workshops, and events are disclosed at the time of registration and may vary by event. In the event that FERS101.com cancels a scheduled webinar, workshop, or event, registrants will receive a full refund of the amount paid for that event, or, where offered, the option to transfer registration to a rescheduled or alternative event.
5. Specialist Consultations and Referred Professionals
Some tiers include specialist check-ins or the ability to be referred to third-party licensed professionals. Any fees you pay directly to a third-party Referred Professional (for example, a financial advisor, attorney, CPA, enrolled agent, or insurance agent) are governed by your separate agreement with that professional and are not covered by this Policy. FERS101.com is not a party to those engagements and does not refund fees charged by third parties. Refunds under this Policy apply only to amounts paid directly to FERS101.com for its own subscriptions, content, and events.
6. How to Request a Refund
To request a refund, email admin@fers101.com from the email address associated with your account and include: (a) your name and account email; (b) the product, subscription tier, or event in question; (c) the approximate date and amount of the charge; and (d) the reason for your request. For claims of materially defective or misdescribed digital content, please also describe the defect or discrepancy.
Refund requests must be submitted within the applicable window described above — thirty (30) days for the initial subscription charge, and fourteen (14) days for claims regarding digital content.
7. Refund Processing and Method
Approved refunds are issued to the original payment method used for the purchase. Please allow a reasonable processing period after approval for the refund to be initiated; the time for the credit to appear on your statement depends on your payment provider and is outside FERS101.com’s control. Where a prorated refund applies, the refunded amount is calculated based on the unused portion of the applicable subscription period.
8. Non-Refundable Items
Except as expressly stated in this Policy or as required by applicable law, the following are non-refundable: free-tier access; digital content that has been consumed or accessed and is not materially defective or misdescribed; subscription amounts for periods that have already elapsed; renewal charges except as disclosed at renewal; and fees paid directly to third-party Referred Professionals.
9. Chargebacks
If you believe a charge is incorrect, please contact admin@fers101.com first so we can resolve the issue directly and promptly. Initiating a chargeback or payment dispute without first contacting us may result in suspension or termination of your account while the dispute is investigated.
10. Exceptions and Discretion
FERS101.com reserves the right to make exceptions to this Refund and Returns Policy on a case-by-case basis at its sole discretion. Any such exception does not waive our right to enforce this Policy in other cases. Nothing in this Policy limits any non-waivable refund or cancellation rights you may have under applicable consumer protection law.
11. Changes to This Policy
FERS101.com reserves the right to modify this Refund and Returns Policy at any time. Material changes will be communicated by email to registered users, by prominent notice on the Platform, or by such other means as we deem appropriate, and the effective date will be indicated at the top of this document. The refund terms applicable to any given purchase are those in effect, and those disclosed at the point of sale, at the time of that purchase.
12. Contact Us
For billing questions and refund requests, please contact us:
● Billing and Subscription Inquiries: admin@fers101.com
● General Inquiries and Support: admin@fers101.com
● Mailing Address: FERS101.com, Attn: Billing, 300 SE Reed Market Road, Suite 103, Bend, Oregon 97702
● Website: www.fers101.com