Refund & Cancellation Policy (October 23, 2026)

This version applied until 12:00 a.m. Eastern Time on November 16, 2026.

Effective date and last updated: October 23, 2026

At a glance

Product	Price	Refund window
Pharos Terminal subscription	$399 per year for the first student, $299 for each additional student	Full refund within 7 days of your first purchase, or within 7 days of a renewal charge
Lesson packet (download)	$49	Full refund within 7 days of purchase if you haven't downloaded it. After download, no refund unless the file is broken or defective.
Reality Writes!	$495, or $295 for Pharos Terminal subscribers	Full refund within 7 days of purchase

1. Pharos Terminal subscription

Annual billing and renewal. Pharos Terminal is billed once a year, per student, and renews automatically at the then-current price unless you cancel before your renewal date. Your renewal date is shown on your Account page.
Cancel any time by emailing us, or through Manage subscription on your Account page. Cancelling stops the next renewal. You keep full access until the end of the year you've paid for.
Refunds. You can get a full refund within 7 days of your first purchase, or within 7 days of a renewal charge. After that, payments are not refundable, and we don't give partial or prorated refunds for unused time.
What a refund does. A refunded subscription ends access to lessons, packets and new work right away. Your records are not deleted. Your account becomes read-only, so you can still view and download your records and portfolios. See our Student Data & Privacy Notice for how long they are kept.
Fewer students. To reduce the number of students on your subscription, email us before your renewal date, and the change will take effect at your next renewal. A student without a paid seat becomes read-only. Their records are not deleted.

2. Lesson packets ($49)

Packets are digital downloads. If you haven't downloaded your packet yet, you can get a full refund within 7 days of purchase. Once a packet has been downloaded, it can't be returned, so it isn't refundable. The one exception: if a file is broken or won't open, tell us and we'll replace it or refund you. After a refund, the packet's download is removed from your account.

3. Reality Writes!

Reality Writes! comes as a complete PDF, and Pharos Terminal subscribers who buy it also get the course online. You can get a full refund within 7 days of purchase. If a file is broken or won't open, tell us and we'll replace it or refund you. After a refund, your access to the Reality Writes! PDF and the online modules is removed. A refund isn't available if the license has been shared or transferred.

Reality Writes! is a separate, one-time purchase. Refunding Reality Writes! doesn't affect your Pharos Terminal subscription. If your subscription ends or is refunded, you keep your Reality Writes! PDF. The online modules are part of Pharos Terminal and follow your subscription's status.

4. How to request a refund

Email officialzacnorthup@zacnorthup.com with your order number and the name on the order. We'll reply within 2 business days, and approved refunds are issued to your original payment method within 5 business days. Your bank may take another 5 to 10 business days to show it.

If something is wrong, please contact us before filing a dispute with your card company. We can usually fix it faster.

5. Other purchases

Books and audiobooks bought on Amazon, Audible or other retailers follow that retailer's return policy.
The Pharos Terminal beta is free, so no refund applies.

6. Your rights

Nothing in this policy limits any right you have under the law where you live.

7. Contact

Zac Northup Books and Publications
PO Box 1321
Scott Depot, WV 25526
officialzacnorthup@zacnorthup.com