Here is my refund policy in a nutshell:
If you enter into a development agreement with me, I offer a 30-day no-questions-asked refund policy, providing you deal with me personally to iron out any difficulties that you perceive. I work personally with all my clients and will do my utmost to satisfy and even exceed your requirements. If its not done right the first time, I will make it right at no further cost to you. If we can’t work it out for some reason, I will cheerfully refund your deposit or payment.
For services that are paid for by recurring charges, I can only offer a refund for the last payment that you made.
There are never any penalties for cancelling a recurring service or requesting a refund.