1. Money-Back Guarantee

2. Refund Eligibility

Eligible for Refund:

• Courses purchased within the last 7 days
• E-books purchased within the last 7 days (if not downloaded)
• Technical issues preventing access to purchased content
• Duplicate or unauthorized transactions
• Course content significantly different from description

NOT Eligible for Refund:

• Courses with more than 30% content accessed or completed
• E-books that have been downloaded
• Consultation sessions that have been conducted
• Certificate fees and processing charges
• Purchases made more than 7 days ago
• Bundle or discounted promotional purchases (unless specified)
• Services obtained through coupon codes or special offers

3. How to Request a Refund

To request a refund, please follow these steps:

4. Refund Processing Time

Once your refund is approved, the processing time depends on your payment method:

Note: Refunds are processed to the original payment method used for the purchase. Processing times may vary depending on your bank or payment provider.

5. Access After Refund

6. Consultation Services

For consultation services, the following refund terms apply:

• Before consultation: Full refund if cancelled at least 24 hours before the scheduled time
• Less than 24 hours notice: 50% refund or rescheduling option
• No-show: No refund will be provided
• After consultation: No refunds once the session has been conducted

If you need to reschedule, please contact us at least 24 hours in advance to avoid any charges.

7. Special Circumstances

We understand that exceptional situations may arise. We may consider refunds outside our standard policy for:

• Technical Issues: If you experience persistent technical problems that we cannot resolve
• Medical Emergencies: With appropriate documentation, we may offer extensions or refunds
• Duplicate Charges: Accidental duplicate payments will be refunded promptly
• Service Unavailability: If we discontinue a service you've purchased

Each case is reviewed individually. Please provide relevant documentation when requesting a refund under special circumstances.

8. Partial Refunds

In some cases, we may offer partial refunds:

• If you've accessed between 30-50% of course content
• For bundle purchases where only some items are eligible
• When technical issues partially affected your experience

The partial refund amount will be calculated based on the unused portion of your purchase.

9. Chargeback Policy

10. Currency & Exchange Rates

Refunds are processed in the same currency as the original purchase. Any differences due to exchange rate fluctuations between the purchase date and refund date are the responsibility of the customer.

11. Contact Us

For any questions about our refund policy or to request a refund, please contact us:

We aim to respond to all refund requests within 24-48 hours during business days.

12. Policy Updates

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. The refund policy applicable to your purchase is the one in effect at the time of purchase.