Refund Policy

1. Our Commitment

At FinanceEdu, we are committed to providing high-quality financial consulting education. We stand behind our courses and want you to be completely satisfied with your purchase. This Refund Policy outlines the conditions and procedures for requesting refunds for our courses and services.

2. 30-Day Money-Back Guarantee

We offer a 30-day money-back guarantee on all course purchases. If you are not satisfied with a course for any reason, you may request a full refund within 30 days of your purchase date.

2.1 Eligibility Criteria

To be eligible for a refund under our money-back guarantee:

• The refund request must be made within 30 calendar days of purchase
• You must have accessed less than 30% of the course content
• Your account must be in good standing (no violations of Terms & Conditions)
• You must provide a brief explanation for your refund request

2.2 Exclusions

The 30-day money-back guarantee does not apply if:

• You have completed more than 30% of the course
• You have downloaded all course materials
• You have obtained a certificate of completion
• The course was purchased more than 30 days ago
• Your account has been suspended or terminated for violations
• You have previously received a refund for the same course

3. How to Request a Refund

3.1 Refund Request Process

To request a refund, follow these steps:

1. Contact our customer support team at [email protected]
2. Include your full name, order number, and email address used for purchase
3. Specify the course(s) for which you are requesting a refund
4. Provide a brief explanation of your reason for the refund request
5. Include your original payment method information for processing

3.2 Contact Information

Refund requests can be submitted via:

3.3 Response Time

We strive to process all refund requests promptly:

• Initial response to your request: Within 2 business days
• Review and decision: Within 5 business days
• Refund processing: Within 7-10 business days after approval

4. Refund Processing

4.1 Approved Refunds

Once your refund request is approved:

• You will receive an email confirmation of the approval
• Your access to the course will be immediately revoked
• The refund will be processed to your original payment method
• You will receive a confirmation email once the refund is processed

4.2 Processing Time

Refunds are typically processed within 7-10 business days after approval. However, the time it takes for the refund to appear in your account depends on your financial institution and may take an additional 5-10 business days.

4.3 Refund Method

Refunds will be issued using the same payment method used for the original purchase. We cannot issue refunds to different payment methods or accounts.

5. Partial Refunds

In certain circumstances, we may offer partial refunds at our discretion:

• If you have accessed between 30% and 50% of the course content
• If technical issues prevented you from completing the course (with documentation)
• If course content significantly differed from the description (case-by-case basis)
• In cases of extenuating circumstances (subject to review)

Partial refund amounts are determined on a case-by-case basis and are at our sole discretion.

6. Non-Refundable Items and Services

The following are not eligible for refunds:

• Courses completed more than 30 days ago
• Certificates of completion once issued
• Promotional or discounted courses explicitly marked as non-refundable
• Bundle packages after individual courses have been accessed
• Subscription renewals after the service period has begun
• Administrative fees or processing charges
• Third-party services or materials

7. Course Access After Refund

Upon refund approval:

• Your access to the course will be immediately terminated
• You will no longer be able to view course materials or resources
• Downloaded materials must be deleted (honor system)
• Any certificates obtained will be revoked
• You will be removed from course-related communications

8. Cancellations

8.1 Before Course Access

If you cancel your purchase before accessing any course content, you are eligible for a full refund, regardless of when you make the request.

8.2 During Trial Period

If we offer a trial period for any course, you may cancel before the trial ends without charge. You must cancel at least 24 hours before the trial period expires to avoid being charged.

8.3 Subscription Cancellations

For subscription-based services:

• You may cancel at any time through your account settings
• Cancellations take effect at the end of the current billing period
• No refunds are provided for partial subscription periods
• You retain access until the end of the paid period

9. Technical Issues

If you experience technical difficulties that prevent you from accessing or completing a course:

• Contact our support team immediately at [email protected]
• Provide detailed information about the technical issue
• Allow us reasonable time to resolve the issue (typically 5-7 business days)
• If we cannot resolve the issue, you may be eligible for a full refund

10. Course Updates and Changes

We continuously update our courses to maintain quality and relevance:

• Minor updates and improvements do not qualify for refunds
• Significant changes to course content will be communicated in advance
• If substantial changes affect course value, we may offer refund options
• Lifetime access includes all future updates and improvements

11. Disputed Charges

11.1 Chargebacks

If you initiate a chargeback or payment dispute with your financial institution:

• Your course access will be immediately suspended
• We will respond to the dispute with relevant documentation
• Please contact us first before initiating a chargeback
• Fraudulent chargebacks may result in account termination

11.2 Fraudulent Purchases

If we determine a purchase was made fraudulently, we reserve the right to:

• Immediately revoke course access
• Refuse refund requests
• Report the incident to appropriate authorities
• Ban the account from future purchases

12. Refund Exceptions

We reserve the right to deny refund requests in the following situations:

• Abuse of our refund policy (multiple refund requests)
• Violation of our Terms and Conditions
• Sharing account credentials or course content
• Completion of the course before requesting a refund
• Evidence of course content piracy or unauthorized distribution

13. Special Promotions and Discounts

Courses purchased during special promotions or at discounted prices:

• Are subject to the same refund policy unless otherwise stated
• Refunds will be issued for the amount actually paid
• Promotional codes cannot be reinstated after refund
• Limited-time offers may have specific refund terms (clearly disclosed)

14. Gift Purchases

For courses purchased as gifts:

• Refund requests must be made by the original purchaser
• The 30-day period begins from the date of purchase, not redemption
• Once a gift is redeemed and accessed, standard refund rules apply
• Unredeemed gifts can be refunded within 90 days of purchase

15. Bundle and Package Deals

For bundled courses or package deals:

• Refund requests must be for the entire bundle
• Partial refunds for individual courses in a bundle are not available
• Bundle refunds are subject to the same 30-day guarantee
• No course in the bundle should have been completed

16. Corporate and Group Purchases

For corporate or group course purchases:

• Refund terms may differ and will be outlined in your agreement
• Contact your account manager for refund requests
• Refunds for group purchases are evaluated case-by-case
• Unused licenses may be eligible for partial refunds

17. Currency and Exchange Rates

All course prices are listed in USD. If your bank processes the payment in a different currency:

• Refunds will be issued in the original transaction currency
• Exchange rate fluctuations may affect the refunded amount
• We are not responsible for currency conversion fees
• Bank charges are non-refundable

18. Modifications to Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes constitutes acceptance of the modified policy. Material changes will be communicated via email.

19. Questions and Support

If you have questions about our Refund Policy or need assistance with a refund request, please contact us:

20. Governing Law

This Refund Policy is governed by and construed in accordance with the laws of South Africa. Any disputes arising from refund requests or this policy shall be subject to the exclusive jurisdiction of the courts of South Africa.

21. Fair Use

We trust our students to use this refund policy fairly and honestly. Abuse of the refund policy, including but not limited to completing courses and then requesting refunds, may result in:

• Denial of refund requests
• Suspension or termination of your account
• Ban from future purchases
• Legal action if fraud is suspected

22. Acknowledgment

By purchasing our courses, you acknowledge that you have read, understood, and agree to this Refund Policy. You also acknowledge that this policy may change and that you are responsible for reviewing it periodically.