Refund Policy

Ashley Dow Ltd trading as Marriage Owl ("MarriageOwl", "we", "us")

Last updated: 15 February 2026

MarriageOWL

1. Who we are

Business name: Ashley Dow Ltd trading as Marriage Owl

Address: 13 Oak Green House, Oak Green Business Park, Cheadle Hulme, Cheadle, England, SK8 6QL

Email: info@marriageowl.com

Website: marriageowl.com

2. Summary

MarriageOwl provides digital tools, templates and guidance to help you prepare and submit your own HMRC claims. We do not submit claims on your behalf and we do not act as your agent.

This Refund Policy explains: (a) your statutory cancellation rights for online purchases (including the 14-day "cooling-off" period where it applies), and (b) our commercial 100% Money-Back Guarantee.

3. Statutory right to cancel (online / distance sales)

In the UK, consumers generally have a legal right to cancel most online purchases within 14 days without giving any reason. For digital content (downloads/online access) there are special rules explained below.

Cancellation period for digital content: 14 days from the day the contract is made (i.e., the day you purchase).

3.1 Digital content supplied immediately (loss of the 14-day cancellation right)

Because our product is digital content delivered online, we normally make it available immediately after purchase.

If you consent to immediate supply and acknowledge that you will lose your right to cancel once supply begins, then the 14-day cancellation right ends when supply begins (for example, when access to the product is enabled).

We capture this consent/acknowledgement at checkout and confirm it in your order confirmation email.

3.2 How to cancel (where the statutory right still applies)

To exercise your statutory right to cancel, you must tell us clearly (for example by email) within the applicable cancellation period.

Email your cancellation request to info@marriageowl.com and include your name, the email used at checkout, and your order reference. You may use the Model Cancellation Form at the end of this policy, but you do not have to.

3.3 Statutory refund timing (where the statutory right applies)

If a statutory cancellation applies, we will refund you using the same payment method you used for the purchase, without undue delay and no later than 14 days after we receive your cancellation notice.

If you used a "buy now pay later" provider (for example Klarna/Clearpay), your provider will adjust any instalments in line with their process once we issue the refund.

4. 100% Money-Back Guarantee (all submitted MarriageOwl-generated claims rejected)

Separate from any statutory rights, we offer this commercial guarantee:

100% Money-Back Guarantee — full refund if all submitted MarriageOwl-generated claims are rejected (key terms apply).

Requires HMRC rejection evidence; excludes missing evidence, incorrect submission, or materially edited packs. See section 4

below.

HMRC decisions can take 9–12 months+; assessed once final decisions are received.

4.1 What counts as "rejected" and "all submitted"

"Rejected" means a final HMRC decision refusing/declining a submitted claim (for example a refusal letter or secure message). It does not include "processing", "pending", "received", or a request for more information.

"All submitted" means every MarriageOwl-generated claim pack that you actually submitted to HMRC for that purchase. If any submitted claim is accepted (including partially accepted), the guarantee does not apply.

4.2 What counts as a MarriageOwl-generated claim pack

A MarriageOwl-generated claim pack means the completed official HMRC submission forms and supporting templates/instructions that we generate from your answers.

4.3 Evidence required

To assess a guarantee request, you must provide:

• proof of submission for each submitted claim (where available), and
• HMRC’s written final rejection decision for each submitted claim (letter/secure message/screenshot or PDF).

4.4 Exclusions (when the guarantee does not apply)

The guarantee does not apply where rejection is caused by:

• missing evidence or failure to respond to HMRC follow-up requests;
• incorrect submission (wrong process/destination, incomplete submission, missed steps, or not following the submission instructions we provide); or
• materially edited packs (changes that could reasonably affect validity, accuracy, or completeness, such as removing sections, changing figures/years, or altering declarations).

4.5 Time limits for guarantee requests

You must request a guarantee refund within 60 days of receiving the last final rejection decision for the submitted claims under that purchase.

In any event, guarantee requests must be made no later than 30 months from purchase.

4.6 What happens if we refund you under the guarantee

If we issue a refund under the guarantee, your access to the MarriageOwl product and materials for that purchase may be disabled.

5. Other refunds we may offer (outside the guarantee)

Where the statutory right to cancel does not apply (for example because you requested immediate access to digital content), we may still offer a refund in these limited situations:

• Duplicate purchase: you accidentally purchased the same product twice within 24 hours.
• Technical issue: you cannot access the product due to a fault on our side and we cannot resolve it within 5 business days after you notify us.
• Material misdescription: the product is materially different from what was described on the sales page at the time you purchased.

6. Faulty digital content (Consumer Rights Act 2015)

If our digital content is faulty or not as described, you have legal rights. In most cases, we are entitled to an opportunity to repair or replace the digital content (for example by fixing access or correcting the content) within a reasonable time. If we cannot do so, or if the fix does not resolve the issue, you may be entitled to an appropriate price reduction (which can be up to 100% in some cases).

7. How to request a refund

Email info@marriageowl.com with your order reference and a short description of your request.

For guarantee requests, include the evidence listed in section 4.3. We may ask for additional information to verify the purchase and assess the request.

8. Refund method and timing

Approved refunds are issued back to the original payment method.

Once a refund is issued, the time it takes to appear on your account depends on your bank/payment provider.

9. Chargebacks and disputes

Please contact us first so we can try to resolve any issues quickly.

If a chargeback is raised, we may suspend access while we investigate and we may dispute chargebacks we believe are unjustified.

10. Model Cancellation Form (optional)

To: Ashley Dow Ltd trading as Marriage Owl

Email: info@marriageowl.com

Address: 13 Oak Green House, Oak Green Business Park, Cheadle Hulme, Cheadle, England, SK8 6QL

I/We (*) hereby give notice that I/We (*) cancel my/our (*) contract of sale for the supply of the following digital content: [insert product name]

Ordered on (*) / received on (*): [insert date]

Name of consumer(s): [insert name]

Address of consumer(s): [insert address]

Email used at checkout: [insert email]

Order reference: [insert order reference]

Signature of consumer(s) (only if this form is notified on paper): __________

Date: __________

(*) Delete as appropriate.

11. Your statutory rights

Nothing in this Refund Policy affects your statutory rights.