Cancellation, Refund & Return Policy

Last updated: August 2026

This policy applies to all services, digital products, and physical merchandise offered through zepedawealth.com. Please read it carefully before scheduling a consultation, downloading any material, or making a purchase.

1. Free Consultations

Consultations scheduled through this website at no charge are complimentary and do not involve any payment. No refund is applicable. If you need to cancel or reschedule, please do so at least 24 hours in advance through your Calendly confirmation email. Repeated no-shows may result in being unable to schedule future appointments.

2. Paid Consultations and Strategy Sessions

If a fee is charged for a private consultation or strategy session:

• Cancellation 24+ hours before the scheduled time: Full refund issued within 5–7 business days.
• Cancellation less than 24 hours before the scheduled time: No refund. You may reschedule once at no additional charge.
• No-show (no cancellation notice): No refund. The session is forfeited.

To request a refund for a paid session, contact david@zepedawealth.com within 48 hours of the scheduled appointment.

3. Digital Products (Guides, PDFs, and Downloadable Content)

All digital products — including guides, PDF downloads, and educational materials — are delivered electronically and are non-refundable once accessed or downloaded. If you experience a technical issue preventing access to your purchase, contact david@zepedawealth.com within 7 days and I will resolve it promptly.

4. Physical Merchandise (Apparel and Branded Items)

If physical merchandise (such as branded apparel or promotional items) is offered through this website in the future, the following policy applies:

• Returns accepted within 30 days of delivery for items that are unworn, unwashed, and in original condition with tags attached.
• Exchanges accepted within 30 days for size or color issues, subject to availability.
• Defective or incorrect items: Full refund or replacement at no cost. Contact david@zepedawealth.com with a photo of the item within 7 days of delivery.
• Final sale items: No returns or exchanges.
• Return shipping: The customer is responsible for return shipping costs unless the item is defective or incorrect.

To initiate a return or exchange, email david@zepedawealth.com with your order number and reason for return. I will respond within 2 business days with instructions.

5. Insurance Products

Insurance policies are subject to the terms, conditions, and cancellation provisions of the applicable insurance carrier. Refunds of premiums, if any, are governed by the policy contract and applicable Nevada insurance regulations — not by this website's refund policy. For questions about an existing policy, contact your carrier directly or reach out to me at david@zepedawealth.com.

6. Chargebacks and Disputes

I am committed to resolving any issue fairly and promptly. Before initiating a chargeback with your bank or credit card company, please contact me directly at david@zepedawealth.com. Most issues can be resolved within 48 hours. Fraudulent chargebacks may result in being permanently blocked from scheduling future appointments or purchasing from this website.

7. How to Request a Refund

To request a refund or return, contact me at:

David Zepeda
Email: david@zepedawealth.com
Phone: (702) 338-1389
Las Vegas, Nevada (Clark County)

Please include your full name, the date of your appointment or purchase, and a brief description of your request. I will respond within 2 business days.

8. Changes to This Policy

I reserve the right to update this policy at any time. The "Last updated" date at the top reflects the most recent revision. Continued use of this website constitutes acceptance of the current policy.

David Zepeda is a licensed Farmers Insurance® agent in the State of Nevada. Agent License #761115. Insurance products are offered through Farmers Insurance and its affiliated companies, subject to eligibility and underwriting. Views expressed are his own and not statements or endorsements by or for Farmers. For required disclosures, visit farme.rs/disclosure. Life insurance products are also offered through licensed carriers. Not a deposit. Not FDIC insured. Not insured by any federal government agency.