Refund Policy

Effective Date: January 1, 2025

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

1. 30-Day Money-Back Guarantee

We offer a 30-day money-back guarantee for all our courses. If you are not satisfied with your course purchase, you may request a full refund within 30 days of your purchase date, subject to the conditions outlined in this policy.

1.1 Eligibility Criteria

To be eligible for a refund under our 30-day money-back guarantee, the following conditions must be met:

• The refund request must be submitted within 30 calendar days of the original purchase date
• You must not have completed more than 30% of the course content
• You must not have downloaded more than 30% of downloadable course materials
• You must provide a genuine reason for your dissatisfaction
• The course must not have been purchased using a promotional code that explicitly excludes refunds

1.2 Non-Eligible Circumstances

Refunds will not be granted in the following circumstances:

• More than 30 days have passed since the purchase date
• You have completed or accessed more than 30% of the course content
• You have obtained a certificate of completion
• You have violated our Terms and Conditions or engaged in fraudulent activity
• You have previously received a refund for the same course
• You purchased the course during a final sale or clearance promotion explicitly marked as non-refundable

2. How to Request a Refund

2.1 Refund Request Process

To request a refund, please follow these steps:

1. Contact our customer support team at [email protected]
2. Include "Refund Request" in the email subject line
3. Provide the following information:
   • Your full name
   • Email address used for purchase
   • Order number or transaction ID
   • Course name
   • Date of purchase
   • Reason for refund request
4. Wait for our team to review your request (typically within 3-5 business days)

2.2 Review Process

Once we receive your refund request, our team will:

• Verify your eligibility based on the criteria outlined in this policy
• Review your course usage and access history
• Contact you if additional information is needed
• Provide a decision within 5-7 business days

3. Refund Processing

3.1 Approved Refunds

If your refund request is approved:

• You will receive a confirmation email
• Your access to the course will be immediately revoked
• The refund will be processed to your original payment method within 7-10 business days
• You will receive a receipt confirming the refund transaction

3.2 Processing Time

Please note that while we process refunds promptly, the time it takes for the funds to appear in your account depends on your financial institution and may take an additional 5-10 business days after we process the refund.

3.3 Partial Refunds

In certain circumstances, we may offer a partial refund at our discretion. Partial refunds may be considered when:

• Technical issues prevented access to a portion of the course
• Specific modules or materials were unavailable
• The course content significantly differs from the description

4. Course Bundles and Packages

If you purchased multiple courses as a bundle or package:

• Refund requests must be made for the entire bundle, not individual courses within the bundle
• The 30% completion threshold applies to the bundle as a whole
• Partial refunds for individual courses within a bundle are not available
• Bundle discounts will be forfeited upon refund

5. Certification Courses

For courses that include professional certification:

• Refunds are not available once you have received your certificate
• Refunds are not available once you have taken the final certification exam
• If you request a refund before certification, you forfeit any progress toward certification

6. Technical Issues

6.1 Platform Problems

If you experience technical difficulties accessing your course:

• Contact our technical support team immediately at [email protected]
• We will work diligently to resolve the issue within 48 hours
• Your refund eligibility period may be extended if technical issues persist
• Refunds due to technical issues on our end will be processed in full

6.2 User Technical Requirements

Refunds will not be granted for technical issues caused by:

• Failure to meet minimum system requirements
• Internet connectivity problems on your end
• Incompatible devices or browsers
• User error in accessing course materials

Minimum system requirements are clearly stated on each course page.

7. Course Satisfaction and Quality

We strive to provide accurate course descriptions and high-quality content. However:

• Course content may be updated or modified to reflect current industry standards
• Instructor styles and teaching methods may vary
• Subjective preferences regarding teaching style do not automatically qualify for refunds
• We encourage you to review course previews and syllabi before purchasing

8. Fraudulent Activity

We take fraudulent activity seriously. If we detect or suspect fraud, including but not limited to:

• Unauthorized use of payment information
• Multiple refund requests across different accounts
• Course content theft or unauthorized distribution
• Chargebacks after receiving a refund

We reserve the right to:

• Deny refund requests
• Suspend or terminate your account
• Ban you from future purchases
• Take legal action to recover damages
• Report fraudulent activity to relevant authorities

9. Chargebacks

If you file a chargeback with your payment provider instead of requesting a refund through our official process:

• Your account will be immediately suspended
• Access to all courses will be revoked
• You will be required to return any certificates obtained
• You may be banned from future purchases
• We will contest the chargeback and provide evidence of proper service delivery

We strongly encourage you to contact us directly before initiating a chargeback. We are committed to resolving any issues amicably.

10. Promotional Offers and Discounts

Courses purchased using promotional codes or during sales:

• Are subject to the same refund policy unless explicitly stated otherwise
• Will be refunded at the discounted price paid, not the original price
• May have specific refund restrictions noted in the promotional terms
• Cannot be exchanged for other courses or credit

11. Gift Purchases

For courses purchased as gifts:

• The purchaser must request the refund, not the gift recipient
• Refund requests must be made within 30 days of purchase, not redemption
• Once a gift code is redeemed, standard refund policies apply
• Unredeemed gift purchases may be refunded in full within 90 days

12. Subscription Services

If we offer subscription-based access to multiple courses:

• You may cancel your subscription at any time
• No refunds will be provided for partial subscription periods
• Access continues until the end of the current billing period
• Refunds for annual subscriptions may be prorated at our discretion

13. Exceptions and Special Circumstances

We understand that exceptional circumstances may arise. We reserve the right to make exceptions to this policy on a case-by-case basis for:

• Medical emergencies
• Bereavement
• Natural disasters
• Other extraordinary situations beyond your control

Please contact us with documentation to discuss your situation.

14. Changes to This Refund Policy

We may update this Refund Policy from time to time. Changes will be posted on our website with an updated effective date. Purchases made after policy changes will be subject to the new policy. Purchases made before changes will be governed by the policy in effect at the time of purchase.

15. Contact Us

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

FinConsult Pro Customer Support
6202 Benjamin Drive
Bekkerbury, WC 3055
South Africa
Phone: +377321690531
Email: [email protected]
Registration No: 01794182

Our customer support team is available Monday through Friday, 9:00 AM to 5:00 PM South Africa Standard Time (SAST). We strive to respond to all inquiries within 24-48 hours.