Refund Policy

1. Our Commitment to Your Satisfaction

At FinConsult Academy, we are committed to providing high-quality financial education and ensuring your satisfaction with our courses. We understand that purchasing online educational content requires trust, and we stand behind the quality of our programs. This Refund Policy outlines the terms and conditions under which refunds may be issued for course purchases.

We encourage you to carefully review course descriptions, previews, and curricula before making a purchase decision. If you have questions about course content or suitability, please contact our support team at [email protected] before purchasing.

2. 30-Day Money-Back Guarantee

2.1 Standard Refund Period

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

The 30-day period begins on the date your payment is processed and course access is granted, not the date you begin using the course materials.

2.2 Eligibility Requirements

To be eligible for a refund under our 30-day money-back guarantee, you must:

• Submit your refund request within 30 days of purchase
• Have accessed less than 30% of the course content
• Not have downloaded more than 30% of available resources
• Not have completed the course or received a certificate of completion
• Not have previously received refunds for multiple courses (abuse prevention)
• Provide a valid reason for the refund request

2.3 Courses Covered

The 30-day money-back guarantee applies to all standard course purchases, including:

• Advanced Investment Analysis ($899.00)
• Financial Planning & Wealth Management ($799.00)
• Risk Management & Compliance ($699.00)
• Corporate Finance Mastery ($999.00)
• Financial Consulting Fundamentals ($499.00)

3. Requesting a Refund

3.1 How to Submit a Request

To request a refund, please follow these steps:

1. Send an email to [email protected] with the subject line "Refund Request"
2. Include your full name and email address used for registration
3. Specify the course name and purchase date
4. Provide your order number or transaction ID
5. Briefly explain the reason for your refund request
6. Confirm that you meet the eligibility requirements

Alternatively, you may contact us by phone at +6796382517 during business hours (Monday-Friday, 9:00 AM - 6:00 PM SAST).

3.2 Processing Time

We aim to process all refund requests within 5-7 business days of receipt. You will receive an email confirmation once your request has been reviewed and approved. The timeline includes:

• Review Period: 2-3 business days for request evaluation
• Approval Notification: 1 business day to send confirmation
• Refund Processing: 2-3 business days to initiate refund
• Bank Processing: 5-10 business days for funds to appear (depending on your financial institution)

3.3 Refund Method

Refunds will be issued to the original payment method used for purchase. We cannot issue refunds to different payment methods or third-party accounts. If your original payment method is no longer valid, please contact us to discuss alternative arrangements.

4. Conditions and Restrictions

4.1 Non-Refundable Items

The following are not eligible for refunds:

• Completed Courses: Courses where you have completed all modules and received a certificate
• Downloaded Content: Courses where you have downloaded substantial course materials (more than 30%)
• Expired Period: Refund requests submitted after the 30-day guarantee period
• Promotional Items: Free courses, promotional content, or bonus materials included with purchases
• Third-Party Certifications: Examination fees or certification costs paid to external organizations
• Subscription Renewals: Automatic renewals if notice was not provided within the specified cancellation period

4.2 Partial Refunds

In certain circumstances, partial refunds may be granted at our discretion:

• Technical issues that significantly impaired course access (refund for affected period)
• Content changes that substantially altered the course after purchase
• Course bundles where only some courses are being returned

Partial refunds are evaluated on a case-by-case basis and are not guaranteed.

4.3 Account Violations

Refunds will not be granted if:

• Your account has been terminated for violating our Terms & Conditions
• You have engaged in fraudulent activity or payment disputes
• You have violated our academic integrity policy
• You have shared course access with unauthorized users
• You have repeatedly requested refunds (abuse of refund policy)

5. Special Circumstances

5.1 Technical Issues

If you experience technical difficulties accessing course content due to issues on our end, please contact our support team immediately. We will work to resolve the issue promptly. If technical problems cannot be resolved within a reasonable timeframe and significantly impair your ability to use the course, you may be eligible for a refund regardless of the 30-day period.

5.2 Medical or Emergency Situations

We understand that unexpected life circumstances may prevent you from completing a course. In cases of serious medical emergencies or extenuating circumstances, please contact us to discuss potential options, which may include:

• Extension of course access period
• Transfer to a future course session
• Partial refund consideration
• Account credit for future purchases

Documentation may be required for consideration of special circumstance requests.

5.3 Course Cancellations

If we cancel a course for any reason, you will receive a full refund of all fees paid, regardless of how much content you have accessed. You will be notified via email of any course cancellations and refund processing.

6. Chargebacks and Payment Disputes

6.1 Chargeback Policy

Initiating a chargeback or payment dispute without first contacting us to resolve the issue may result in:

• Immediate suspension of course access
• Termination of your account
• Ineligibility for future enrollments
• Referral to collections for any owed amounts

We strongly encourage you to contact our support team first to resolve any billing concerns before initiating a chargeback.

6.2 Fraudulent Chargebacks

Fraudulent chargebacks (requesting a chargeback after consuming course content or receiving a refund) may result in legal action and will be reported to relevant authorities and credit agencies.

7. Course Exchanges and Transfers

7.1 Course Exchanges

Within the 30-day refund period, you may request to exchange one course for another of equal or lesser value. The exchange policy includes:

• Must be requested within 30 days of original purchase
• Same eligibility requirements as refunds apply
• Price difference is not refunded if exchanging to a lower-priced course
• Additional payment required if exchanging to a higher-priced course
• Only one exchange permitted per purchase

7.2 Account Credits

Instead of a refund, you may choose to receive an account credit for the full purchase amount. Account credits:

• Can be applied to any future course purchase
• Do not expire
• Are non-transferable and cannot be redeemed for cash
• Are subject to the same Terms & Conditions as regular purchases

8. Subscription and Membership Refunds

8.1 Monthly Subscriptions

If we offer subscription-based access in the future:

• You may cancel at any time to prevent future charges
• Cancellation must be made at least 48 hours before the next billing date
• No refunds for partial months or unused time
• Access continues until the end of the current billing period

8.2 Annual Subscriptions

For annual subscriptions, if applicable:

• 30-day money-back guarantee applies to initial purchase
• After 30 days, no refunds for unused time
• May cancel to prevent auto-renewal
• Pro-rated refunds may be considered for special circumstances

9. Promotional Discounts and Coupons

9.1 Discounted Purchases

Courses purchased with promotional discounts or coupons are subject to the same refund policy. Refunds will be issued for the amount actually paid, not the original list price.

9.2 Bundle Purchases

For course bundles purchased at a discount:

• Entire bundle must be returned for a full refund
• Partial returns will be calculated at the pro-rated individual course price
• Refund amount may be less than paid if partial return removes bundle discount eligibility

10. International Purchases

10.1 Currency Conversion

For international purchases made in currencies other than USD:

• Refunds are processed in the original currency when possible
• Exchange rate fluctuations may result in different amounts
• We are not responsible for currency conversion fees charged by banks
• International transaction fees are non-refundable

10.2 Regional Pricing

Different regions may have different pricing based on local economic conditions. Refunds will be issued for the amount paid in your region.

11. Corporate and Group Purchases

11.1 Bulk Enrollments

Corporate or group purchases of multiple course licenses have special refund terms:

• Refund requests must be made by the account administrator
• Individual student refunds are not available for group purchases
• Unused licenses may be refunded within 30 days of purchase
• Once licenses are assigned to students, refund eligibility is reduced

11.2 Enterprise Agreements

Custom enterprise agreements may have negotiated refund terms that supersede this standard policy. Please refer to your specific contract terms.

12. Refund Processing and Timeline

12.1 Notification

Once your refund is approved, you will receive:

• Email confirmation of refund approval
• Details of the refund amount and method
• Expected timeline for funds to appear
• Transaction reference number for tracking

12.2 Banking Delays

While we process refunds promptly, actual receipt of funds depends on your financial institution. Processing times vary by:

• Payment method (credit card, debit card, PayPal, etc.)
• Bank or card issuer processing schedules
• International vs. domestic transactions
• Billing cycle timing

If you have not received your refund after 10 business days from our processing notification, please contact your bank first, then reach out to us if issues persist.

13. Contact Information for Refund Inquiries

For questions or concerns regarding refunds, please contact us:

14. Changes 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 with an updated "Last Updated" date. Refund requests will be governed by the policy in effect at the time of purchase, not the time of refund request.

Material changes to the refund policy will be communicated to registered users via email notification.

15. Dispute Resolution

If you disagree with a refund decision, you may request a review by contacting our customer service manager at [email protected] with "Refund Dispute" in the subject line. We will conduct a thorough review and respond within 7 business days.

If the dispute cannot be resolved through our internal process, the matter will be subject to the dispute resolution provisions outlined in our Terms & Conditions.

16. Fair Use and Policy Abuse Prevention

This refund policy is designed to protect genuine customers while preventing abuse. We monitor for patterns that may indicate policy abuse, including:

• Repeated refund requests across multiple purchases
• Requesting refunds after consuming substantial course content
• Multiple accounts associated with the same individual
• Sharing account access to facilitate others' course consumption before refund

Accounts exhibiting such patterns may have refund privileges revoked and may be subject to account termination.

17. Your Rights

Nothing in this Refund Policy affects your statutory consumer rights under applicable law. If you are a consumer in certain jurisdictions, you may have additional rights regarding refunds and returns that we cannot limit or exclude.

This policy is intended to supplement, not replace, any mandatory consumer protection laws applicable in your jurisdiction.

By purchasing courses from FinConsult Academy, you acknowledge that you have read, understood, and agree to this Refund Policy.