Unconditional money-back guarantee for defective products. Other refunds based on consideration of request, and will reflect actual administrative expenses incurred, including, but not limited to, a 3% charge if payment was made by PayPal. An additional $20 administrative charge will apply to refunds given for Mosaic of Self Institute tele-courses. Refunds for tele-courses will be pro-rated, with no refunds given after third lesson.

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