Refund Policy

Effective Date: January 1, 2025

Last Updated: January 1, 2025

At FinEdu Academy, we are committed to providing exceptional financial education and ensuring your complete satisfaction with our courses. This Refund Policy outlines our commitment to customer satisfaction and the terms under which refunds are granted.

1. 30-Day Money-Back Guarantee

1.1 Eligibility Period

You may request a full refund within 30 days of your purchase date for any of our educational packages, including:

• Foundation Finance Package ($200)
• Investment Mastery Package ($350)
• Business Finance Package ($500)
• Wealth Building Package ($750)
• Elite Financial Mastery ($1,000)

1.2 Qualifying Conditions

To qualify for a refund under our 30-day guarantee:

• The refund request must be submitted within 30 calendar days of purchase
• You must provide your order number and purchase information
• The request must be submitted through proper channels (see Section 5)
• You must have made a good-faith effort to engage with the course material

1.3 What You Receive

If your refund is approved:

• You will receive a full refund of the purchase price
• The refund will be processed to your original payment method
• Processing typically takes 5-10 business days
• You will receive confirmation once the refund is processed

2. Refund Exclusions and Limitations

2.1 Time-Based Limitations

Refund requests submitted after 30 days from the date of purchase will not be eligible for a refund, except under extraordinary circumstances as determined by FinEdu Academy management.

2.2 Content Access After Refund

Upon refund approval:

• Your access to all course materials will be immediately revoked
• You must cease using any downloaded materials
• You may not retain copies of course content
• Any certificates earned will be invalidated
• Access to community forums will be terminated

2.3 Abuse Prevention

We reserve the right to deny refunds if we detect:

• Fraudulent refund requests or abuse of our refund policy
• Multiple refund requests from the same individual
• Evidence of content copying or unauthorized sharing before refund request
• Violation of our Terms and Conditions
• Completion of substantial course content with intent to refund

3. Partial Refunds and Pro-Rated Credits

3.1 When Partial Refunds Apply

In certain circumstances, we may offer partial refunds or credits:

• Technical issues that significantly impacted your learning experience
• Service interruptions lasting more than 48 hours
• Missing or incomplete course materials (resolved with makeup content or partial refund)
• Extraordinary circumstances evaluated on a case-by-case basis

3.2 Account Credits

Instead of a refund, we may offer account credits that can be used toward:

• Other educational packages
• Future course offerings
• Upgraded package options

Credits are valid for 12 months from the date of issuance and are non-transferable.

4. Special Circumstances

4.1 Medical or Personal Emergencies

We understand that unexpected life events occur. If you experience a serious medical emergency or personal crisis that prevents you from completing the course, please contact us. We will review your situation compassionately and may offer:

• Extended access to course materials
• Course pause or temporary suspension
• Transfer to a future cohort
• Refund consideration beyond the 30-day period

4.2 Technical Issues

If you experience technical difficulties that prevent access to course materials:

• Contact our support team immediately
• We will work to resolve the issue within 48 hours
• If unresolvable, we will offer a full refund or credit
• Documentation of technical issues may be required

4.3 Course Quality Issues

If course content does not meet the description or quality standards advertised:

• Contact us with specific concerns
• We will review the issue and work to rectify it
• Options may include content updates, supplementary materials, or refunds

5. Refund Request Process

5.1 How to Request a Refund

To request a refund, follow these steps:

1. Contact Us: Send an email to [email protected] with the subject line "Refund Request"
2. Provide Information: Include your full name, email address, order number, and purchase date
3. Explain Reason: Briefly describe your reason for requesting a refund (optional but helpful)
4. Await Response: Our team will review your request within 2-3 business days
5. Confirmation: You will receive confirmation once your refund is approved and processed

5.2 Required Information

Please include the following in your refund request:

• Full name as it appears on the account
• Email address used for purchase
• Order number or transaction ID
• Date of purchase
• Package name
• Reason for refund (optional)

5.3 Processing Time

Refund processing timeline:

• Request Review: 2-3 business days
• Approval Notification: 1 business day after review
• Refund Processing: 3-5 business days
• Bank Processing: 3-10 business days depending on your financial institution
• Total Time: Typically 7-15 business days from request to funds in account

6. Payment Method Specific Policies

6.1 Credit/Debit Card Refunds

Refunds to credit or debit cards:

• Will be credited to the original card used for purchase
• May take 5-10 business days to appear on your statement
• Will appear as a credit from FinEdu Academy

6.2 PayPal Refunds

PayPal refunds:

• Will be credited to your PayPal account
• Typically process within 3-5 business days
• You will receive PayPal notification upon processing

6.3 Other Payment Methods

For refunds via other payment methods:

• Refunds will be processed through the original payment channel
• Processing times vary by provider
• Contact us if you have specific concerns about your payment method

7. Non-Refundable Items and Services

7.1 Services Not Covered

The following are generally non-refundable:

• One-on-one consultation sessions already conducted
• Live masterclass events after attendance
• Personalized coaching services already provided
• Certification fees after certificate issuance
• Access to exclusive networking events after participation

7.2 Promotional and Discounted Purchases

Packages purchased during promotional periods:

• Are eligible for refunds under the same 30-day policy
• Refunds will be for the amount actually paid, not the regular price
• Special promotional bonuses or gifts must be returned

8. Package Upgrades and Downgrades

8.1 Upgrading Your Package

If you wish to upgrade to a higher-tier package:

• You can upgrade within 30 days by paying the price difference
• Your original purchase date is preserved for refund eligibility
• Contact us to process an upgrade
• You will receive immediate access to upgraded content

8.2 Downgrading Not Permitted

We do not offer downgrades from higher-tier to lower-tier packages. If you are unsatisfied with your purchase, you may request a full refund within the 30-day period and repurchase the preferred package.

9. Chargebacks and Disputes

9.1 Our Chargeback Policy

We take chargebacks seriously. If you have concerns about charges:

• Please contact us first - we will work to resolve any issues
• Most concerns can be quickly addressed without involving your bank
• Chargebacks hurt small businesses and incur fees
• We offer a generous 30-day refund policy for your protection

9.2 Consequences of Chargebacks

If you initiate a chargeback:

• Your account will be suspended immediately
• Access to all course materials will be revoked
• We reserve the right to pursue the disputed amount
• Future purchases may be restricted

9.3 Dispute Resolution

If you have billing concerns:

• Contact our support team at [email protected]
• Provide details of your concern
• We will investigate and respond within 48 hours
• Most issues are resolved quickly and amicably

10. Refund Policy for Multiple Purchases

10.1 Bundle Purchases

If you purchase multiple packages:

• Each package is eligible for refund independently
• The 30-day period applies to each purchase date
• Partial refunds available for specific packages within bundles

10.2 Gift Purchases

For courses purchased as gifts:

• The purchaser may request a refund within 30 days
• The recipient's access will be revoked upon refund
• Gift codes that haven't been redeemed can be refunded at any time

11. Exceptions and Management Discretion

11.1 Extraordinary Circumstances

FinEdu Academy management reserves the right to:

• Approve refunds beyond the 30-day period in exceptional cases
• Offer alternative compensation instead of refunds
• Make exceptions to policy on a case-by-case basis
• Deny refunds that appear fraudulent or abusive

11.2 Good Faith Principle

We operate on a good faith principle. We trust our students and expect the same in return. This policy is designed to protect both parties and ensure fair treatment.

12. Contact Information for Refund Requests

For all refund requests, questions, or concerns about this policy, please contact:

FinEdu Academy Refund Department
Email: [email protected]
Phone: +440645264061
Address: 79, HemaPur, Ranchi - 450332, India
Company Registration: 09715157

Business Hours:
Monday - Friday: 9:00 AM - 6:00 PM IST
Saturday: 10:00 AM - 4:00 PM IST
Sunday: Closed

We typically respond to refund requests within 2-3 business days.

13. Changes to This Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will:

• Be posted on our website with an updated "Last Updated" date
• Not affect purchases made before the change
• Be communicated via email for material changes
• Take effect immediately upon posting

Your purchase is governed by the Refund Policy in effect at the time of purchase.

14. Additional Terms

14.1 Relationship to Other Policies

This Refund Policy should be read in conjunction with:

• Our Terms and Conditions
• Our Privacy Policy
• Any specific terms provided at the time of purchase

14.2 Legal Compliance

This policy complies with applicable consumer protection laws. If any provision conflicts with mandatory consumer rights in your jurisdiction, those rights will prevail.

14.3 Governing Law

This Refund Policy is governed by the laws of India. Any disputes will be subject to the exclusive jurisdiction of courts in Ranchi, India.

15. Our Commitment to You

At FinEdu Academy, your satisfaction is our priority. We have created this refund policy to give you confidence in your investment in your financial education. If you are ever dissatisfied with your purchase, we want to know about it and make it right.

Our goal is not just to provide courses, but to build lasting relationships with students who trust us to help them achieve their financial goals. This refund policy reflects our commitment to earning and maintaining that trust.