Refund Policy

Effective Date: January 1, 2025

At Financial Consulting Courses ("FinConsult Academy"), we are committed to providing high-quality educational experiences. We understand that circumstances may require you to request a refund. This Refund Policy outlines the terms and conditions under which refunds may be granted.

1. General Refund Principles

Our refund policy is designed to be fair to both our students and our organization. We incur significant costs in course preparation, instructor scheduling, materials development, and administrative processing. Therefore, refund eligibility depends on several factors including:

• The timing of your refund request
• The type of course you enrolled in
• The extent of course materials accessed
• Whether course content has been downloaded or consumed
• The reason for requesting the refund

2. Standard Refund Timeframes

The following refund schedule applies to most of our courses:

3. Course-Specific Refund Policies

3.1 Live In-Person Courses

For courses delivered in physical classroom settings:

• Full refund (100%): Available up to 14 days before the course start date
• 75% refund: Available 7-13 days before the course start date
• 50% refund: Available up to 6 days before the course start date
• 25% refund: Available only on the first day of class before the first session begins
• No refund: After the first session has commenced

3.2 Live Online (Virtual) Courses

For courses delivered via live virtual platforms:

• Full refund (100%): Up to 7 days before the first live session
• 50% refund: Up to 48 hours before the first live session
• 25% refund: After the first session but within the first week, having attended no more than one session
• No refund: After attending two or more sessions

3.3 Self-Paced Online Courses

For courses accessed entirely online at your own pace:

• Full refund (100%): Within 14 days of purchase if less than 10% of course content has been accessed and no certificate of completion has been issued
• 50% refund: Within 14 days of purchase if 10-25% of content accessed
• No refund: If more than 25% of content accessed, if more than 14 days have passed since purchase, or if certificate has been issued

3.4 Course Bundles and Package Deals

For bundled course packages or multi-course programs:

• Refund eligibility is determined based on the bundle as a whole, not individual courses
• If any course in the bundle has been accessed or started, the entire bundle may become non-refundable
• Special bundle pricing discounts will be recalculated if partial refunds are granted
• Individual courses within a bundle cannot be refunded separately

3.5 Certification Programs

For comprehensive certification programs:

• Refund requests must be made before completing the first course module
• Once the first assessment is submitted, the program becomes non-refundable
• Maximum refund available is 75%, even within the first 14 days
• Special payment plan participants may have different refund terms outlined in their payment agreements

4. Non-Refundable Items and Services

The following items and services are generally non-refundable:

• Downloadable materials: Once downloaded, course materials, templates, or resources are non-refundable
• Completed courses: Courses that have been fully completed or for which certificates have been issued
• Promotional pricing: Courses purchased at promotional discounts may have more restrictive refund terms
• Administrative fees: Processing fees, payment plan setup fees, or certification fees may be non-refundable
• Third-party services: External examination fees, accreditation fees, or third-party platform fees
• Expired access: Requests made after your course access period has fully expired
• Custom or private training: Customized corporate training or private consulting sessions

5. Exceptions and Special Circumstances

5.1 Medical or Emergency Situations

We understand that unexpected medical emergencies or personal crises may prevent course completion. In such cases:

• You may request an exception to our standard refund policy
• Supporting documentation (such as medical certificates) may be required
• We may offer alternatives such as course credit, transfer to a future session, or extended access
• Each case will be reviewed individually with compassion and fairness

5.2 Course Cancellations by Us

If Financial Consulting Courses cancels a course:

• You will receive a full 100% refund with no deductions
• Alternatively, you may choose to transfer your enrollment to another course of equal or lesser value
• If transferring to a more expensive course, you pay only the difference
• Refunds for our cancellations are processed within 10 business days

5.3 Technical Issues

If significant technical problems prevent access to course materials:

• You must report issues promptly to our technical support team
• We will make reasonable efforts to resolve technical problems quickly
• If issues cannot be resolved within 7 days, you may be eligible for a full refund
• Minor technical inconveniences or user error do not qualify for refunds

5.4 Course Content Dissatisfaction

While we strive to provide excellent educational content:

• Subjective dissatisfaction with course content does not automatically qualify for refunds outside the standard refund window
• We encourage you to review course descriptions, syllabi, and preview materials before enrolling
• Specific complaints about content quality will be reviewed case-by-case
• We may offer alternative solutions such as additional support, supplementary materials, or course credit

6. How to Request a Refund

To request a refund, please follow these steps:

1. Contact us promptly: Submit your refund request as soon as possible via email or phone
2. Provide necessary information: Include your full name, email address, course name, enrollment date, and order number
3. State your reason: Clearly explain why you are requesting a refund
4. Submit documentation: If requesting an exception based on special circumstances, provide supporting documentation
5. Wait for review: We will review your request within 5-7 business days
6. Receive decision: You will be notified of the refund decision via email

7. Refund Processing

7.1 Processing Time

Once a refund is approved:

• Refunds are processed within 10-14 business days
• The refund will be issued to the original payment method used for purchase
• Depending on your financial institution, it may take an additional 5-10 business days for funds to appear in your account
• You will receive confirmation once the refund has been processed

7.2 Refund Method

Refunds are issued using the same payment method used for the original purchase:

• Credit/debit card refunds are credited back to the original card
• Bank transfer payments are refunded via bank transfer to the originating account
• For payment plan participants, only paid installments (minus applicable deductions) will be refunded

7.3 Partial Refunds

When partial refunds are granted:

• Deductions will be clearly itemized in the refund confirmation
• Administrative fees, payment processing fees, or accessed materials may be deducted
• The net refund amount will be clearly communicated before processing

8. Alternatives to Refunds

We want you to succeed and may offer alternatives to refunds:

8.1 Course Transfer

Transfer your enrollment to a different course or future session:

• One-time transfers are generally permitted within 6 months of original enrollment
• Transfer to a course of equal or lesser value with no additional cost
• Pay the difference for more expensive courses
• Transfer fees may apply depending on timing

8.2 Course Credit

Receive course credit toward future purchases:

• Credit typically equals the refundable amount
• Credit is valid for 12 months from issuance
• Credit is non-transferable and cannot be redeemed for cash

8.3 Extended Access

For online courses, we may offer:

• Extended access period to complete the course at your own pace
• Additional support resources or tutoring
• Access to supplementary materials or bonus content

9. Chargebacks and Payment Disputes

If you have a payment concern:

• Contact us first before disputing charges with your financial institution
• We are committed to resolving payment issues fairly and quickly
• Chargebacks initiated without attempting to resolve issues with us may result in collection actions for any owed amounts
• Account access will be terminated pending resolution of payment disputes

10. 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 effective date
• Apply to purchases made after the change date
• Not retroactively affect purchases made under previous policy versions

Enrollments are governed by the Refund Policy in effect at the time of purchase.

11. Contact Information

12. Commitment to Fairness

At Financial Consulting Courses, we are committed to treating all refund requests fairly and with respect. While we have established policies to protect both our students and our business, we understand that unique circumstances arise. We encourage open communication and will work with you to find reasonable solutions whenever possible.

Our goal is not simply to enforce rules but to ensure that every student has the best possible educational experience. If you have concerns about any aspect of our courses or services, please reach out to us before requesting a refund so we can explore all possible solutions.

Last Updated: January 1, 2025

Thank you for choosing Financial Consulting Courses for your professional development. We appreciate your understanding of our refund policy and look forward to supporting your success in financial consulting.