Refund Policy

Effective Date: January 15, 2025

Last Updated: January 15, 2025

1. Overview

We offer a 30-day satisfaction guarantee on all our finance education products. If you are not completely satisfied with your purchase, you may request a refund within 30 days of the purchase date, subject to the terms and conditions outlined in this policy.

2. Eligibility for Refunds

2.1 Digital Products

For digital products (ebooks, online courses, guides, and downloadable materials), you are eligible for a refund if:

• You request the refund within 30 days of purchase
• You have accessed less than 20% of the product content
• The product has a technical defect that prevents you from accessing or using it
• The product description was materially misleading
• You have not previously received a refund for the same product

2.2 Physical Products

For physical products (if applicable), you are eligible for a refund if:

• You request the refund within 30 days of receiving the product
• The product is in its original condition, unopened and unused
• You return the product with all original packaging and materials
• The product was defective or damaged upon arrival
• You received the wrong product

2.3 Non-Refundable Items

3. Refund Request Process

3.1 How to Request a Refund

To request a refund, please follow these steps:

1. Contact our customer support team within 30 days of purchase
2. Provide your order number and the email address used for the purchase
3. Explain the reason for your refund request
4. Provide any supporting documentation (for technical issues or defective products)

3.2 Contact Information for Refund Requests

Phone: +270866608275
Address: 77, GiaanPur, Ratlam - 525445, India
Registration Number: 35335317

3.3 Processing Time

Once we receive your refund request, we will:

• Review your request within 3-5 business days
• Notify you by email of our decision
• Process approved refunds within 7-10 business days
• Issue the refund to your original payment method

4. Refund Methods

Approved refunds will be issued using the same payment method you used for the original purchase. Please note:

• Credit card refunds may take 5-10 business days to appear on your statement
• PayPal refunds typically appear within 3-5 business days
• Bank transfer refunds may take up to 10 business days
• Processing times may vary depending on your financial institution

5. Partial Refunds

In certain situations, we may issue partial refunds:

• If you have accessed a portion of a digital product (refund amount will be prorated)
• If a physical product shows signs of use or damage
• If original packaging or materials are missing
• If you return a product outside the 30-day window but within a reasonable timeframe

6. Return Shipping for Physical Products

If you need to return a physical product:

• Defective or Incorrect Products: We will provide a prepaid return shipping label and cover all return shipping costs
• Change of Mind: You are responsible for return shipping costs unless the product was described inaccurately
• International Returns: International customers are responsible for return shipping costs and any customs or import fees

7. Technical Issues

If you experience technical difficulties accessing or using a digital product:

• Contact our support team immediately
• We will work with you to resolve the issue within 48 hours
• If the issue cannot be resolved, you will be eligible for a full refund
• We may request screenshots or error messages to help diagnose the problem

8. Exchanges

We do not offer direct product exchanges. If you wish to exchange a product:

1. Request a refund for the original product
2. Once the refund is processed, place a new order for the desired product
3. For defective products, we may expedite this process

9. Quality Guarantee

10. Fraudulent Refund Requests

We reserve the right to deny refund requests that we determine to be fraudulent or abusive, including:

• Repeated refund requests for the same or similar products
• Requests after fully consuming digital content
• Claims that are demonstrably false
• Attempts to circumvent our refund policy

Accounts associated with fraudulent activities may be suspended or terminated.

11. Chargebacks

12. Promotional and Discounted Purchases

Products purchased during promotional periods or with discount codes are subject to the same refund policy, with the following considerations:

• Refunds will be issued for the amount actually paid
• Promotional discounts will not be reinstated after a refund
• Some limited-time offers may have specific refund restrictions clearly stated at the time of purchase

13. Bundle Products

If you purchase a bundle or package of products:

• You may request a refund for the entire bundle within 30 days
• Partial refunds for individual items in a bundle are not available
• The refund amount will be based on the bundle price, not individual product prices
• To receive a refund, you must not have accessed more than 20% of any product in the bundle

14. Subscription Products

For subscription-based products or services (if applicable):

• You may cancel your subscription at any time
• Cancellations take effect at the end of the current billing period
• Refunds for the current billing period are provided on a case-by-case basis
• No refunds are provided for previous billing periods

15. Modifications to Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website with an updated "Last Updated" date. Your continued use of our website after changes constitutes acceptance of the modified policy. Material changes will be communicated via email to registered users.

16. Questions and Disputes

If you have questions about our Refund Policy or wish to dispute a refund decision:

1. Contact our customer support team with your concerns
2. Provide all relevant information and documentation
3. We will review your case and respond within 5 business days
4. If you remain unsatisfied, you may escalate the matter to our management team

17. Legal Rights

This Refund Policy does not affect your statutory rights as a consumer under applicable consumer protection laws. In jurisdictions where mandatory consumer protection laws provide greater rights than those outlined in this policy, those laws shall prevail.

18. Contact Us

19. Customer Satisfaction Commitment

20. Acknowledgment

By making a purchase on our website, you acknowledge that you have read, understood, and agree to this Refund Policy.