Since your contract did not include your "no refund policy", I think you should do a refund but make sure all the time you have spent on unfinished projects/trying to follow up with her is deducted from the refund. If you have used up the time, explain to her where the time was spent. As others have suggested, make sure you update your contract to include your refund policy.

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Cherisse
www.timewisevirtualsolutions.com