Refund & Cancellation Policy

The Ripple Stone | Chris Blackman Coaching

Last updated: 18 October 2026

1. Introduction

At Chris Blackman Coaching, we understand that circumstances can change. Whether you have booked a coaching session, enrolled in a programme or purchased a product, we aim to handle cancellations, returns and refunds fairly, transparently and in accordance with your legal rights.

This policy explains the arrangements that apply to coaching services, physical products and digital resources purchased directly through The Ripple Stone website.

We believe that customers should understand their options before making a purchase, and that any concerns should be considered reasonably and respectfully.

Nothing in this policy removes or limits your rights under applicable UK consumer protection legislation.

2. About Us

The Ripple Stone website is operated by Chris Blackman Coaching, the trading name of Chris Blackman, a sole trader operating in the United Kingdom.

Business information

• Trading name: Chris Blackman Coaching

• Business owner: Chris Blackman

• Business structure: Sole trader

• Website: https://theripplestone.co.uk

• Email: hello@theripplestone.co.uk

• Correspondence address: 3, Whiteway Close, Dursley, Gloucestershire, GL11 4AT, England, United Knigdom

Throughout this policy, references to "we", "us" and "our" mean Chris Blackman trading as Chris Blackman Coaching.

References to "you", "your" and "customer" mean individuals purchasing or booking our products or services.

3. How to Request a Cancellation or Refund

If you wish to cancel a purchase, rearrange a coaching appointment, return a product or request a refund, please contact us by email.

Email: hello@theripplestone.co.uk

Please include, where relevant:

• Your name.

• Your order or booking reference.

• The product or service concerned.

• The date of purchase or appointment.

• Whether you wish to cancel, reschedule, return an item or request a refund.

You do not need to provide a reason when exercising a statutory right to cancel.

You may use the model cancellation form at the end of this policy, although any clear statement communicating your decision to cancel is sufficient.

We will review your request and explain the relevant arrangements.

4. Your Statutory Right to Cancel Online Purchases

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, consumers generally have a right to cancel qualifying online purchases within a statutory cancellation period.

The cancellation period depends on what has been purchased.

4.1 Coaching services

For qualifying service contracts, the statutory cancellation period generally ends 14 days after the day on which the contract is entered into.

You may cancel during this period without giving a reason, subject to the rules concerning services that have already begun at your express request.

4.2 Physical products

For qualifying online purchases of physical goods, including books, the statutory cancellation period generally ends 14 days after the day on which you or someone nominated by you receives the goods.

Different timing rules may apply where multiple items in the same order are delivered separately.

4.3 Digital content

For qualifying purchases of digital content that is not supplied on a physical medium, the statutory cancellation period generally ends 14 days after the day on which the contract is entered into.

However, that right may end once digital content begins to be supplied, provided the legally required express consent, acknowledgement and confirmation requirements have been met.

4.4 Your consumer rights

These cancellation rights are separate from your legal rights where a product is faulty, digital content does not conform to the contract, or a service has not been provided with reasonable care and skill.

Any statutory exceptions will apply only where the legal conditions are satisfied.

5. Cancelling Coaching During the 14-Day Statutory Period

Where you purchase paid coaching online, you will generally have the right to cancel within 14 days after the day the contract is entered into.

If you cancel within this period before coaching has begun, you will normally receive a full refund.

5.1 Beginning coaching within the cancellation period

You may wish to attend a coaching session before the statutory cancellation period has ended.

Where this occurs, we will seek your express request for the service to begin during that period and provide the required information about how beginning the service may affect your cancellation rights.

If you subsequently cancel during the statutory period, you may be required to pay a proportionate amount for services already supplied, provided the relevant legal requirements have been satisfied.

If those requirements have not been satisfied, you will not be charged for services supplied during the statutory period where the law prohibits such a charge.

5.2 Completed individual sessions

Where an individual coaching session has been fully delivered following the legally required express request and acknowledgement, the statutory right to cancel that completed service may end.

This does not remove your rights if the service was not provided as agreed or with reasonable care and skill.

5.3 Twelve-session programme

If you cancel the Navigating the Lake twelve-session programme during the statutory cancellation period, any lawful charge for services already supplied will be calculated proportionately against the agreed programme price of £895, in accordance with applicable consumer law.

The calculation will reflect the proportion of the contracted service actually supplied.

The individual session price of £85 will not automatically be substituted for the proportional statutory calculation.

Any remaining amount due to you will be refunded within the applicable legal timeframe.

6. Free Discovery Sessions

The Navigating the Lake Discovery Session is provided free of charge.

There is no obligation to purchase additional coaching.

If you are unable to attend, please provide at least 24 hours' notice where reasonably possible.

As the Discovery Session is free, there is no cancellation fee.

You may request a different appointment, subject to availability.

Repeated missed appointments may affect our willingness to offer further free Discovery Sessions, but this will be considered individually.

7. Individual Coaching Sessions

Individual Coaching Sessions cost £85 and last up to 90 minutes.

7.1 Rescheduling with at least 24 hours' notice

You may request to reschedule your appointment by contacting us at least 24 hours before its scheduled start time.

Where sufficient notice is provided, the appointment may be rearranged without an additional rescheduling charge.

A new appointment will be agreed subject to availability.

7.2 Cancelling with at least 24 hours' notice

If you wish to cancel rather than rearrange an individual coaching session, please contact us.

Where a refund is due, it will be assessed in accordance with your statutory rights, the services provided and any fair, lawful and demonstrable costs or losses directly resulting from cancellation.

We will not impose an arbitrary cancellation penalty.

7.3 Cancelling with less than 24 hours' notice

Where less than 24 hours' notice is provided, we will consider the circumstances individually.

A reasonable cancellation charge may apply where legally permitted and justified by genuine losses directly resulting from the cancellation.

We will consider:

• The reason and timing of the cancellation.

• Whether the session can reasonably be rearranged.

• Whether the appointment could be offered to another client.

• Any costs or losses directly incurred.

• Whether those losses could reasonably have been reduced.

We will not automatically retain the full session fee without considering these circumstances.

Where a charge is applied, we will explain the amount and how it has been calculated.

7.4 Missed appointments

If you do not attend your scheduled appointment without notifying us, the appointment may be treated as missed.

Missed sessions will be considered individually, using the same principles of fairness, genuine loss and proportionality.

Any charge must be lawful and must not amount to an excessive penalty.

7.5 Late attendance

Where you join a session late, we will make reasonable efforts to use the remaining appointment time constructively.

Extending the original finishing time may not always be possible.

Late attendance will not automatically entitle you to additional time or a refund, although relevant circumstances and applicable consumer rights will be considered.

8. Navigating the Lake — Twelve-Session Programme

The Navigating the Lake programme costs £895 and includes:

• Twelve online coaching sessions of up to 90 minutes each.

• Email support between sessions.

• Relevant resources and reflective exercises where appropriate.

The programme is intended for clients who wish to undertake sustained coaching and personal exploration.

8.1 Programme duration

The twelve-session programme is intended to be completed within 12 months of the date of the first coaching session.

The programme completion period does not begin on the purchase date unless the first coaching session also takes place on that date.

The completion deadline will be confirmed in writing.

8.2 Rescheduling programme sessions

Programme sessions may be rearranged without an additional rescheduling charge where at least 24 hours' notice is provided.

Rearranged sessions will normally take place within the agreed twelve-month programme period.

8.3 Late cancellations and missed programme sessions

Where less than 24 hours' notice is provided, or a scheduled programme session is missed, the circumstances will be considered individually.

A session will not automatically be treated as completed simply because the client was unable to attend.

Any cancellation charge or deduction must be fair, lawful and justified by reasonable losses or costs arising from the circumstances.

We will not apply automatic penalties or unreasonable forfeiture of prepaid sessions.

8.4 Ending the programme early

You may decide that you no longer wish to continue with the twelve-session programme.

If this happens, please contact us so that we can review the situation and determine the appropriate financial arrangements.

Where the statutory cancellation period has ended, we will consider:

• The number of coaching sessions already delivered.

• The remaining contracted services.

• The amount paid.

• Any services or support already provided.

• Any reasonable costs or losses directly resulting from early termination.

• Whether those costs or losses could reasonably have been avoided.

• The client's applicable contractual and statutory rights.

Any lawful deductions will be explained.

We will not automatically retain the entire programme fee because a client chooses to discontinue coaching.

Where a refund is due, it will reflect the circumstances and relevant consumer protection requirements.

8.5 Unused programme sessions

Clients are encouraged to arrange and complete their twelve sessions within the agreed programme period.

If sessions remain unused as the completion deadline approaches, please contact us to discuss the available options.

Unused sessions will not automatically be forfeited.

We will consider whether the appropriate outcome is to arrange remaining sessions, agree an extension, provide a refund or offer another fair resolution.

This assessment will take account of the reason sessions remain unused and the applicable contractual and consumer rights.

9. Exceptional Circumstances and Programme Extensions

We recognise that significant personal circumstances can affect a client's ability to attend or complete coaching.

These may include serious illness, family emergencies, bereavement or other unexpected events.

Where such circumstances arise, please contact us as soon as reasonably practicable.

Requests for rescheduling, temporary pauses or extensions to the twelve-month programme period will be considered individually.

When considering a request, we will take account of:

• The nature and duration of the circumstances.

• The number of sessions already completed.

• The time remaining in the programme.

• The availability of alternative arrangements.

• Whether delays were within either party's control.

• Relevant legal and contractual obligations.

Extensions are not automatic, but they will not be unreasonably refused.

Where an extension is agreed, the revised completion deadline will be confirmed in writing.

10. Cancellation or Rescheduling by Chris Blackman Coaching

Although we aim to honour every confirmed appointment, unforeseen circumstances may occasionally require us to rearrange a coaching session.

Where this occurs, we will provide as much notice as reasonably possible.

We will normally offer a suitable alternative appointment.

If an individual session cannot be delivered, you will be entitled to an appropriate remedy, including a refund where applicable.

Where our cancellation or unavailability affects a twelve-session programme, we will make reasonable adjustments to the programme schedule or completion period.

Clients will not be unfairly disadvantaged by our inability to provide agreed appointments.

Where we are unable to fulfil all or part of an agreed coaching service, any refund or other remedy will be determined in accordance with the contract and applicable consumer law.

11. Technical Difficulties During Online Coaching

Coaching sessions are delivered using Zoom.

Occasionally, technical problems may interrupt or prevent a session.

Where significant technical difficulties prevent the agreed session from being delivered, we will consider an appropriate arrangement based on the circumstances.

This may include:

• Reconnecting and continuing the session.

• Rearranging the remaining session time.

• Rescheduling the appointment.

• Providing a suitable refund or other remedy where applicable.

If technical problems are caused by our equipment, connection or systems, we will take reasonable responsibility for resolving the issue.

Where problems arise from circumstances outside our control, we will still aim to reach a fair and practical solution.

12. Physical Books and Printed Products

This section applies where we are the seller of physical books or printed products purchased directly through theripplestone.co.uk.

This may include paperback, hardback or other printed editions of The Ripple Stone.

12.1 Cancelling an online book purchase

Where the statutory distance-selling cancellation right applies, you may cancel your purchase within 14 days after the day on which you receive the goods.

You do not need to provide a reason.

Please contact hello@theripplestone.co.uk to notify us of your cancellation.

If the order has already been dispatched, you may need to return the goods.

12.2 Returning physical books

After notifying us of your decision to cancel, you must normally return the goods within a further 14 days.

We will provide the appropriate return instructions and address.

You may examine a book to the extent reasonably necessary to establish its nature and characteristics, as you would in a shop.

Where handling goes beyond what is reasonably necessary and reduces the product's value, a lawful deduction may be made.

We will explain any deduction.

12.3 Return postage

For a change-of-mind return, you will normally be responsible for the direct cost of returning the goods, provided this requirement was clearly disclosed before purchase.

Where we have not provided the legally required information about return costs, or where the law requires us to bear them, we will meet those costs.

Where goods are faulty, damaged or not as described, your statutory rights will apply.

12.4 Original delivery charges

Where you lawfully cancel an entire qualifying physical-goods order within the statutory cancellation period, we will refund the standard delivery charge originally paid, as required by law.

If you selected a more expensive delivery option, we are not normally required to refund the additional cost above our least expensive standard delivery option.

12.5 Print-on-demand books

Some of our printed books may be produced using print-on-demand services.

The fact that a standard edition is printed after an order is placed does not, by itself, remove the statutory right to cancel.

An exception may apply to genuinely personalised products made to a customer's specifications, where the legal requirements for that exception are satisfied.

Any such exception will be disclosed before purchase.

13. Faulty, Damaged or Incorrect Physical Products

We want customers to receive products that are of satisfactory quality, fit for purpose and as described.

If a physical book or other product arrives damaged, faulty or incorrect, please contact us at:

hello@theripplestone.co.uk

Where possible, include your order reference and a description of the issue. Photographs may help us investigate but are not a condition of exercising your statutory rights.

Depending on the circumstances, you may be entitled to:

• A refund.

• A replacement.

• A repair where appropriate.

• A price reduction or another statutory remedy.

Under the Consumer Rights Act 2015, consumers generally have a short-term right to reject faulty goods within 30 days, subject to the applicable legal conditions.

Additional rights may apply after that period.

Where a return is required because goods are faulty or do not conform to the contract, we will meet reasonable return costs as required by law.

14. Digital Products and Downloadable Resources

The Ripple Stone may provide digital products, including eBooks, downloadable journals, worksheets and other educational resources.

Some resources may be free, while others may be purchased through our website.

14.1 Free digital resources

Our free resources are provided without a purchase charge.

As no payment has been made for those resources, there is no purchase price to refund.

This does not remove any statutory rights or remedies that may apply to free digital content in particular circumstances.

14.2 Paid digital resources

Where paid digital content is purchased directly through our website, you will normally have a statutory 14-day cancellation period beginning after the day on which the contract is entered into.

However, you may choose to access or download the content immediately.

Where you expressly consent to digital supply beginning during the statutory cancellation period and acknowledge that you will lose the right to cancel once supply begins, that statutory cancellation right may end when the digital content is supplied.

We will obtain the required consent and acknowledgement and provide the legally required confirmation.

14.3 Where immediate access has not been authorised

If the relevant legal requirements for immediate digital supply have not been met, your statutory cancellation rights will continue to apply.

We will not rely on a blanket statement that all digital purchases are non-refundable.

14.4 Faulty digital products

Digital content supplied through our website should meet the relevant standards required by consumer law.

If purchased digital content is faulty, inaccessible or does not conform to its description, please contact us.

Depending on the circumstances, you may be entitled to repair or replacement, a price reduction or another remedy provided by law.

The loss of a change-of-mind cancellation right does not remove your statutory rights concerning faulty digital content.

15. Purchases Through Third-Party Retailers

Some editions of The Ripple Stone may be available through external retailers and distribution platforms.

These may include Amazon or other authorised book retailers.

Where you purchase directly from an independent retailer, that retailer's applicable order, cancellation and returns arrangements will normally govern your transaction, subject to your statutory rights against the relevant seller.

Please refer to your purchase confirmation to identify the seller.

Where you purchased directly through theripplestone.co.uk and Chris Blackman Coaching is the seller, this policy will apply.

The involvement of a printing, fulfilment or distribution provider does not, by itself, remove our legal responsibilities as the seller.

16. Payment Methods and Buy Now, Pay Later

Payments through our website may involve Wix Payments, applicable Stripe processing arrangements, Klarna or Clearpay, depending on the payment methods available at checkout.

Where a refund is due, we will arrange the appropriate refund through the original payment arrangement wherever required by law and technically supported.

Klarna and Clearpay

If you paid using Klarna or Clearpay, refunds may need to be administered through the relevant provider.

Where applicable, the provider may adjust outstanding instalments or return amounts already paid under its agreement with you.

Please refer to the provider's communications and account information for confirmation of any changes to your payment schedule.

Do not assume that scheduled payments have stopped until the relevant provider has confirmed the adjustment.

Your rights concerning the underlying product or service remain unaffected by your choice of payment method.

17. How Refunds Are Processed

Where a refund is due, we will process it without unreasonable delay and within the applicable legal timeframe.

For qualifying statutory cancellations of services or digital content, refunds will generally be made within 14 days after we are informed of your decision to cancel.

For qualifying cancellations involving physical goods, we may wait until we receive the returned goods or you provide evidence of having sent them back, where permitted by law.

Refunds following other cancellations, agreed settlements or statutory remedies will be processed within the applicable legal timeframe.

Refunds will normally be issued using the original payment method unless you expressly agree otherwise.

We will not impose a fee for receiving a refund where prohibited by law.

The time taken for funds to appear in your account may depend on the payment provider or financial institution involved.

18. Your Statutory Consumer Rights

This policy operates alongside applicable consumer protection legislation, including:

• The Consumer Rights Act 2015.

• The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

• Other relevant UK consumer protection legislation.

Nothing in this policy excludes or restricts rights or remedies that cannot lawfully be excluded or restricted.

Where a product or service does not meet the standards required by law, we will provide the applicable remedy.

Our cancellation and refund arrangements will be interpreted and applied consistently with our legal obligations.

19. Changes to This Policy

We may review and update this Refund & Cancellation Policy to reflect changes in our services, products, business operations or applicable law.

The most recent version will be available on our website.

Changes will generally apply to future purchases and bookings.

Any changes affecting existing purchases or coaching agreements will only apply where lawfully permitted and, where necessary, agreed with the customer.

We will not use a policy update to remove existing contractual or statutory rights.

20. Complaints and Concerns

If you are unhappy with the handling of a cancellation, return or refund, please contact us.

Email: hello@theripplestone.co.uk

We will consider your concerns fairly, review the relevant circumstances and explain our decision.

Where a cancellation charge or deduction is applied, we will explain the basis of the calculation.

You may also seek independent advice about your consumer rights.

21. Contact Information

Chris Blackman Coaching

Trading name of Chris Blackman, a sole trader operating in the United Kingdom.

Website: https://theripplestone.co.uk

Email: hello@theripplestone.co.uk

Correspondence address: 3, Whiteway Close, Dursley, Gloucestershire, GL11 4AT, England, United Kingdom

For additional information about coaching arrangements, website use and how personal information is handled, please refer to our Coaching Terms & Conditions, Website Terms & Conditions and Privacy Policy.

Appendix — Model Cancellation Form

Complete and return this form only if you wish to cancel a contract. You may instead send any other clear cancellation statement by email.

To: Chris Blackman Coaching

Email: hello@theripplestone.co.uk

I hereby give notice that I wish to cancel my contract for the following product or service:

Product or service: __________________________

Order or booking reference: __________________________

Date ordered: __________________________

Date received (if applicable): __________________________

Customer name: __________________________

Customer address: __________________________

Customer email: __________________________

Date of cancellation: __________________________

Signature: __________________________

Signature is only required when submitting a paper form.

Please send your cancellation request to hello@theripplestone.co.uk.