Product Digital Download

Our digital download products are currently delivered by Internet download immediately after check out process. After your purchase has been approved we will process your order. Orders are typically processed within one (1) minute in which you have immediate access to our product. Once your order has been processed we will send you a confirmation email using the email address you provided during checkout.

This email will serve as your electronic purchase receipt and will contain the information you need to access our product downloads.

Downloads from our servers are closely monitored to ensure you are able to successfully access our products.

Digital Download Refund Policy

We stand behind our products and your satisfaction with them is important to us. However, because our products are digital goods delivered via Internet download there will be no refunds or returns possible.

Virtual / Live Class Registration Policy

Registrations for any live or virtual class may not be cancelled or refunded. Our products are delivered via Internet immediately after checkout. There will be no refunds or returns possible. Your confirmation of any/all registrations is final and no refunds will be applied.

Return/Refunds of Physical Product Policy

If you are not completely satisfied with the goods received, return them to us as new and unused, within 30 days of order date, for a refund. Richard Garay LLC is not responsible for the shipping costs of the return. If the product is faulty we will refund the returns cost.
Safe return of the goods is the responsibility of the customer.
If your goods arrive and have been damaged in transit, please take an immediate photograph. Keep all packaging and contact us as soon as possible. We cannot be held responsible for the carelessness of carriers but we will do our best to help. To return physical product, send an email to for instructions and address for the return request.

Right to Cancel Physical Product

You have the right to cancel physical product transactions (excludes digital download product) within three business days* after the date the order is placed without any penalty or obligation. If you cancel, any payments made by you under the contract or sale will be returned within ten business days following receipt by the seller of your cancellation notice, and any security interest arising out of the transaction will be cancelled.

If you cancel, you must make available to the seller any goods delivered to you under this contract or sale. If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of all obligations under the contract.

Subscription Cancellation Policy

Card club may be cancelled anytime before your next monthly billing date.

Please take note: We process Card Club Subscriptions every 1st of the month.

Other Subscription Cancellation Options

Send an email to with the following subject line: Cancel Subscription (type) [insert first and last name here]. We will respond to your emails as soon as possible, but please take into consideration office hours.