Refund Policy

At FinConsult Academy, we are committed to providing high-quality financial consulting courses and ensuring customer satisfaction. This Refund Policy outlines the terms and conditions under which refunds may be requested and processed for courses purchased through financialconsultingcourses.shop.

1. General Refund Policy

1.1 Standard Refund Period

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

1.2 Eligibility Requirements

To be eligible for a refund, you must meet the following conditions:

• The refund request is submitted within 30 days of the original purchase date
• You have completed less than 30% of the course content
• You have not violated our Terms and Conditions
• You have not previously received a refund for the same course
• The course was not purchased during a special promotion with specific non-refundable terms

2. Refund Process

2.1 How to Request a Refund

To request a refund, please follow these steps:

1. Contact our support team at [email protected]
2. Include your order number, purchase date, and course name
3. Provide a brief explanation of your reason for requesting a refund (optional but helpful)
4. Allow up to 3 business days for our team to review your request

2.2 Refund Processing Time

Once your refund request is approved:

• We will process the refund within 5-7 business days
• The refund will be issued to the original payment method used for the purchase
• Depending on your financial institution, it may take an additional 5-10 business days for the refund to appear in your account
• You will receive an email confirmation once the refund has been processed

2.3 Access Revocation

Upon approval of your refund request, your access to the course materials will be immediately revoked, and you will no longer be able to access any course content, downloadable materials, or certificates.

3. Non-Refundable Items and Circumstances

3.1 Completed Courses

Refunds are not available for courses where you have:

• Completed more than 30% of the course content
• Downloaded course completion certificates
• Accessed and downloaded substantial course materials

3.2 Special Promotions

Courses purchased during special promotional periods (e.g., flash sales, bundle discounts, or limited-time offers) may be subject to different refund terms, which will be clearly stated at the time of purchase. These promotions may include:

• Reduced refund periods
• Non-refundable purchases
• Store credit only refunds

3.3 Bundle Purchases

For course bundles or packages, refunds are only available if:

• No individual course within the bundle has been completed beyond 30%
• The entire bundle is returned within the 30-day refund period
• Partial refunds for individual courses within a bundle are not permitted

3.4 Subscription Services

For any subscription-based offerings:

• Refunds are available for the first month only
• After the first month, subscriptions can be canceled to prevent future charges, but no refunds will be issued for the current billing period
• Annual subscriptions may be prorated for refunds within the first 30 days

4. Exceptional Circumstances

4.1 Technical Issues

If you experience technical difficulties that prevent you from accessing course content:

• Contact our support team immediately at [email protected]
• We will work diligently to resolve the issue within 48 hours
• If the issue cannot be resolved, a refund will be issued regardless of the 30-day period
• We may extend your access period instead of issuing a refund if you prefer

4.2 Course Content Issues

If purchased course content significantly differs from the description or is materially defective:

• Report the issue to our support team with specific details
• We will investigate the matter within 5 business days
• If the issue is verified, you will receive a full refund or replacement course

4.3 Duplicate Purchases

If you accidentally purchase the same course multiple times:

• Contact us within 48 hours of the duplicate purchase
• We will issue a full refund for the duplicate transaction
• This exception applies even if it falls outside the standard refund period

5. Chargebacks and Payment Disputes

5.2 Fraudulent Chargebacks

Chargebacks filed after receiving and consuming course content, or after the refund period has expired, are considered fraudulent. We reserve the right to:

• Contest all chargebacks with evidence of service delivery
• Pursue legal remedies for fraudulent chargebacks
• Report fraudulent activity to relevant authorities

6. Partial Refunds

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

• If you have accessed a moderate amount of course content (between 30-50%)
• If the refund request is made slightly after the 30-day period due to exceptional circumstances
• If there were temporary technical issues that affected your learning experience

Partial refund amounts are determined on a case-by-case basis and are subject to approval by our management team.

7. Course Updates and Modifications

We regularly update our course content to ensure accuracy and relevance. Course updates do not entitle you to a refund if:

• The core curriculum and learning objectives remain substantially the same
• Updates improve or enhance the existing content
• Changes are made to comply with new regulations or industry standards

8. Transfer Policy

As an alternative to refunds, we offer the following transfer options:

• Course Exchange: Within 30 days of purchase, you may exchange a course for another course of equal or lesser value
• Store Credit: We may offer store credit for future purchases instead of a monetary refund
• Account Transfer: Course licenses are non-transferable and cannot be transferred to another user

9. Professional Development Exemptions

9.1 Employer-Sponsored Purchases

For courses purchased by employers for their employees:

• Refunds must be requested by the purchasing entity, not the individual user
• Bulk purchase refunds are subject to a 20% administrative fee
• Individual course refunds within bulk purchases are not permitted

9.2 Continuing Education Credits

If you have claimed continuing education credits or professional development hours:

• You must provide proof of credit withdrawal before a refund can be issued
• You are responsible for notifying relevant professional bodies of the refund
• We are not liable for any consequences resulting from withdrawn credits

10. Refund Method

10.1 Original Payment Method

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

10.2 Currency and Fees

• Refunds are issued in the same currency as the original purchase
• Any currency conversion fees charged by your financial institution are your responsibility
• International transaction fees are non-refundable

10.3 Payment Processing Fees

While we refund the full course price, payment processing fees charged by third-party processors (typically 2-3% of the transaction) are non-refundable as these fees are not returned to us by the payment processor.

11. Cancellation of Courses by FinConsult Academy

In the rare event that we must cancel or discontinue a course, you will receive:

• A full refund of the course purchase price
• At least 30 days' notice before access is terminated
• The option to receive a comparable replacement course at no additional cost
• Store credit equal to 125% of the original purchase price for use on any other course

12. Contact Us for Refund Requests

13. Policy Updates

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. However, any changes will not affect refund requests for purchases made prior to the policy change.

Material changes to this policy will be communicated through:

• Email notification to registered users
• Prominent notice on our website
• Updated "Last Updated" date at the top of this policy

14. Fair Use Policy

We reserve the right to refuse refund requests or revoke refund privileges if we detect patterns of abuse, including but not limited to:

• Excessive refund requests across multiple courses
• Requesting refunds after consuming substantial course content
• Suspicious patterns suggesting content theft or unauthorized sharing
• Violation of our Terms and Conditions

15. Dispute Resolution

If you disagree with a refund decision:

1. Request a review by contacting our support team with additional information
2. Your case will be escalated to our management team for secondary review
3. You will receive a final decision within 10 business days
4. Further disputes may be subject to the dispute resolution terms outlined in our Terms and Conditions

16. Satisfaction Guarantee

Thank you for choosing FinConsult Academy for your professional development. We are committed to providing exceptional educational experiences and outstanding customer service.

This Refund Policy is provided in English. In case of any discrepancies between translated versions, the English version shall prevail.