Terms of service

9. Refunds and the 200% Results Guarantee

Standard no-refund policy
Because all Cha Ching Club products are digital and immediately accessible, we do not offer standard refunds. The 200% Results Guarantee below is the only refund mechanism available, and only buyers who meet every one of its conditions can use it. If your product never arrived or won't open, contact us and we'll make sure you get access.

The Cha Ching Club 200% Results Guarantee
"I am so confident in this system that if it doesn't work for you, and you can prove you genuinely gave it everything, I won't just refund your money. I'll refund double."
Izabel Prinsloo, Founder of Cha Ching Club

This guarantee is not a safety net for people who don't try. It is a promise to the women who go all in, because those are the women this was built for.

If you have genuinely implemented every step of the Cha Ching Ebook and your Etsy store has not produced meaningful results, you may be eligible for a refund of 200% of your original purchase price. That means you receive double what you paid.

To qualify, ALL of the following conditions must be met:

Condition 1: Full implementation
You must have read the entire Cha Ching Ebook and implemented every section, strategy and step in it. This includes store setup, product research, listing optimisation, order fulfilment, shipping settings, SEO and customer service. Partial implementation does not qualify. You must be able to show this when asked.

Condition 2: Your store has been active for a full 6 months
You must have had a live Etsy store, with products, optimised listings and consistent activity, for at least six (6) consecutive months. A store that was opened and then abandoned does not qualify. Your store must have been actively managed for the full six months.

Condition 3: You reached out for guidance at least once
You must have contacted Izabel or the Cha Ching Club team at least once during those six months to ask for help, guidance, feedback or support on anything related to your store. Reaching out only to request a refund does not count.

Condition 4: You can provide evidence of implementation
When asked, you must provide verifiable evidence of your effort. This may include your Etsy store URL, screenshots of your listings, your store analytics, and any other documents that show sincere, sustained effort over the six months.

Condition 5: You submit your claim within the guarantee window
The guarantee window opens on the day your store completes six (6) full, continuous months of active operation, and it closes thirty (30) days later. Your claim must be submitted inside that 30-day window. Claims submitted before the six months are complete, or more than 30 days after the window opens, are not eligible. The window exists so that claims are made while your effort is recent and can be verified.

How to submit a guarantee claim
Email contact@chaching-club.com within your guarantee window with the subject line "200% Guarantee Claim: [Your Name]" and include:

• Proof of purchase (your order confirmation email)
• Your Etsy store URL
• A written summary of what you implemented and when
• Evidence that you reached out to Cha Ching Club during your six months
• Screenshots or documents supporting your implementation

Every claim is reviewed personally by Izabel within 14 business days. If your claim is approved, your 200% refund will be processed within 7 business days of approval. The guarantee applies once per customer.

What is not covered
The following are not eligible for any refund, including the 200% Guarantee:

• Change of mind after purchase
• Not having read or opened the ebook
• Partial implementation, meaning some sections were attempted but not all
• Deciding Etsy is "not for you" before completing the full six months of active store operation
• Requesting a refund before your store has completed six months of active operation
• Claims submitted outside the guarantee window in Condition 5
• Etsy account suspensions, restrictions or closures. Etsy is an independent platform that can suspend, restrict or permanently close any seller account at its own discretion, for reasons outside Cha Ching Club's control. A suspension is not, on its own, grounds for a refund or a guarantee claim.
• Changes Etsy makes to its platform, fees, policies or search algorithm, and technical issues on Etsy's side
• Breaking our community guidelines or intellectual property terms

10. Chargebacks

If you have a problem with your order, please contact us first. We're real people and we'll help. If you open a chargeback or payment dispute without contacting us, we may suspend your access to all Cha Ching Club products and communities while the dispute is open. We may also give your order details and proof of delivery or use to the payment provider.

11. Your licence to use our content

All content we create, including the ebook, video course materials, community posts, templates, calls, recordings, graphics, and our name and branding, is the exclusive intellectual property of Izabel Prinsloo and Cha Ching Club and is protected by copyright and other intellectual property laws.

When you buy, you get a personal, non-transferable, non-exclusive licence to use that content for your own business. You may not:

• Share, copy, forward, upload, resell, give away or distribute any Cha Ching Club content, in whole or in part.
• Share your community login or access with anyone else.
• Claim authorship of, repackage or rebrand our content as your own, or use it to create a competing course, ebook or community.
• Use any content to train artificial intelligence tools or models.

If you break this section, we may remove your access immediately without a refund, and we may take legal action to protect our work.

12. Community guidelines

Cha Ching Club is built on ambition and mutual respect. Everyone who respects that is welcome. In our free and paid communities, you agree to treat every member with kindness and encouragement, and you agree not to:

• Harass, bully, shame or discriminate against anyone.
• Promote your own products, services, courses, links, referral codes or business opportunities, or message members to sell to them, without our written permission.
• Post spam, scams, false information, or illegal or explicit content.
• Share confidential community discussions, resources, members' personal information or store names outside the community.
• Impersonate Izabel, our team or anyone else.

We may remove posts, and remove members who break these guidelines, without a refund and at Izabel's sole discretion. What members share in the community is their own opinion and experience, not advice from us.

13. No promised results or income

The Cha Ching Ebook teaches how to sell on Etsy and shares what Izabel did to build her own stores. That is what you are buying. We do not promise any particular outcome, number of sales, income figure or timeline.

Your results depend on things we don't control, including how consistently and how well you implement, the products and niche you choose, the time and effort you put in, competition, market demand, and Etsy's own rules and algorithm. Any results, testimonials or screenshots we share are real, but they are not typical or average, and you should not expect the same results. Nothing we offer is a job, an employment opportunity or a "get rich quick" scheme.

14. Your business, your decisions

Everything in our products and communities is information and guidance only. Whether you act on it, and how, is entirely your choice. We don't make decisions for you, and we don't run, manage or control your store.

By buying from us, you accept that:

• You are fully responsible for your own Etsy store, account, listings, products, orders, customers and business decisions.
• You are responsible for following Etsy's Seller Policy, House Rules and terms, as well as any laws and tax obligations that apply to you.
• Cha Ching Club and Izabel Prinsloo are not responsible if Etsy suspends, restricts, bans or closes your store or account, for any reason.
• Cha Ching Club and Izabel Prinsloo are not responsible for any change Etsy makes to its platform, fees, policies, payment rules or search algorithm, or for how those changes affect your store.
• Any loss, cost or outcome that comes from putting the ebook's information into practice is your own responsibility.

15. Educational information only

Our products and communities are for education and general information. They are not legal, tax, accounting or financial advice. Before making decisions about business registration, tax, banking or finances, please speak to a qualified professional.

16. Third-party platforms

Our teaching involves platforms we don't own, such as Etsy, Discord, Whop, Shopify, and various tools and service providers. Cha Ching Club is not affiliated with, endorsed by or sponsored by Etsy, Inc. "Etsy" is a trademark of Etsy, Inc.

These platforms can change their rules, fees or features, or suspend accounts, at any time. We have no control over their actions, availability or policies, and your use of them is governed by their own terms. We keep our content as up to date as we can, but platform details can change after you buy.

17. Privacy

Cha Ching Club collects only the personal information needed to process your purchase and deliver your products, such as your name, email address and payment information. We handle it in line with the Protection of Personal Information Act (POPIA) and our Privacy Policy. We do not sell, trade or share your personal information with third parties for marketing purposes.

By purchasing, you agree to receive emails about your purchase and, where applicable, product updates and community communications. You can opt out of marketing emails at any time.

18. Limitation of liability

To the fullest extent allowed by law:

• Our products are provided "as is". We don't promise they'll be error-free or meet every expectation.
• We're not liable for any indirect or consequential loss. This includes loss of profits, sales, data or business opportunities, and losses caused by Etsy or any other third-party platform, supplier, account suspension or platform change.
• Our total liability to you for any claim relating to a product is limited to the amount you paid us for that product, except where the 200% Results Guarantee has been approved.

Nothing in these Terms limits liability that can't legally be limited, including under the Consumer Protection Act or for gross negligence or fraud.

19. Indemnity

You agree to cover us for any claims, losses or costs (including reasonable legal fees) that arise because you broke these Terms, misused our content, or broke any law or Etsy or other platform rules while running your business.

20. Suspending or ending access

We may suspend or end your access to any product or community if you break these Terms, share paid content, commit fraud or open a bad-faith chargeback. You can stop using our products at any time. Some sections will keep applying after your access ends because of what they cover, such as intellectual property, disclaimers and limitation of liability.

21. Changes to these Terms

We may update these Terms at any time. Changes take effect when they're posted on this page, with the "last updated" date at the top. The Terms in effect when you bought will govern that purchase, including your refund and guarantee eligibility.

22. Governing law and disputes

These Terms are governed by the laws of the Republic of South Africa. If a dispute comes up, please email us first so we can try to sort it out together in good faith. If we can't resolve it within 30 days, either of us may refer it to the courts of South Africa.

23. Your consumer rights

If you're a consumer in South Africa, you have rights under the Consumer Protection Act 68 of 2008 and the Electronic Communications and Transactions Act 25 of 2002. Nothing in these Terms takes away any right that the law doesn't allow us to exclude. If any part of these Terms is found to be unenforceable, the rest still applies.

24. Contact us

Questions about these Terms, your order or anything else? Reach out. That's what we're here for.

• Email: contact@chaching-club.com
• Instagram: @izabelprinsloo