Refund Policy

Effective Date: January 1, 2025

Last Updated: January 1, 2025

At FinWise, we are committed to your satisfaction and stand behind the quality of our financial education courses. This Refund Policy outlines the terms and conditions for requesting refunds on purchases made through our website finwise.store.

1. Money-Back Guarantee

1.1 30-Day Satisfaction Guarantee

We offer a 30-day money-back guarantee on all course purchases. If you are not completely satisfied with your course for any reason, you may request a full refund within 30 days of your purchase date.

1.2 Conditions for Refund

To be eligible for a refund under our 30-day guarantee, you must:

• Submit your refund request within 30 calendar days of the original purchase date
• Provide your order number and the email address associated with your purchase
• Have completed less than 50% of the course material
• Not have previously requested and received a refund for the same course

2. Refund Eligibility

2.1 Eligible Purchases

The following purchases are eligible for refunds under this policy:

• Individual course purchases
• Course bundles (subject to usage limitations)
• Subscription services (prorated refunds may apply)

2.2 Non-Eligible Items

The following are NOT eligible for refunds:

• Courses purchased more than 30 days ago
• Courses where more than 50% of the content has been accessed or completed
• Previously refunded courses (one refund per course per customer)
• Courses purchased during special promotional periods with explicit "no refund" conditions
• Gift card purchases
• Third-party products or services purchased through our platform

3. Requesting a Refund

3.1 How to Request

To request a refund, please follow these steps:

1. Contact our customer support team at [email protected]
2. Include your order number and the email address used for purchase
3. Provide a brief explanation of why you are requesting a refund (optional but helpful)
4. Specify which course(s) you wish to return

3.2 Required Information

Your refund request must include:

• Full name
• Email address associated with your account
• Order number or transaction ID
• Course name(s) for which you are requesting a refund
• Original purchase date

4. Refund Processing

4.1 Processing Time

Once we receive your refund request, we will:

• Review your request within 2-3 business days
• Send you a confirmation email regarding the status of your request
• Process approved refunds within 5-7 business days

4.2 Refund Method

Refunds will be issued to the original payment method used for the purchase. Depending on your payment provider, it may take an additional 3-10 business days for the refund to appear in your account.

4.3 Partial Refunds

In certain circumstances, we may offer partial refunds:

• For course bundles where only some courses have been accessed
• For subscription services (prorated based on usage)
• In cases where course content was found to be defective or not as described

5. Course Access After Refund

Once a refund is processed, your access to the refunded course(s) will be immediately revoked. You will no longer be able to:

• Access course materials or videos
• Download course resources
• Participate in course forums or discussions
• Receive course updates or communications

6. Subscription Cancellations

6.1 Cancellation Process

If you have a subscription-based purchase, you may cancel at any time by:

• Logging into your account and navigating to subscription settings
• Contacting customer support at [email protected]

6.2 Subscription Refunds

Subscription refunds are handled as follows:

• Monthly subscriptions: Refunds are prorated based on usage within the 30-day guarantee period
• Annual subscriptions: Refunds available within 30 days; after 30 days, no refunds but cancellation prevents future charges
• Cancelled subscriptions remain active until the end of the current billing period

7. Technical Issues

7.1 Technical Difficulties

If you experience technical issues that prevent you from accessing your course, please contact our support team before requesting a refund. We will work diligently to resolve any technical problems. Refunds for technical issues may be granted if:

• The issue cannot be resolved within a reasonable timeframe
• The problem is on our end and affects course functionality
• You have cooperated with our troubleshooting efforts

8. Course Quality Guarantee

8.1 Content Accuracy

We strive to ensure all course content is accurate, up-to-date, and of high quality. If you find that a course does not meet the description provided or contains significant errors, you may be eligible for a refund beyond the standard 30-day period.

8.2 Reporting Issues

To report quality issues, contact us at [email protected] with:

• Specific examples of inaccuracies or problems
• Course name and lesson/module references
• Screenshots or detailed descriptions of the issues

9. Promotional Purchases

9.1 Discounted Courses

Courses purchased at a discount or during promotional periods are subject to the same refund policy as regular-priced courses, unless otherwise stated at the time of purchase.

9.2 Special Offers

Some special offers or bundles may have modified refund terms. These will be clearly communicated at the time of purchase and take precedence over this general policy.

10. Gift Purchases

Courses purchased as gifts are subject to the following refund conditions:

• The gift purchaser may request a refund before the gift is redeemed
• Once a gift is redeemed, the recipient may request a refund under the standard 30-day policy
• Refunds are issued to the original purchaser's payment method

11. Fraudulent Activity

We reserve the right to refuse refunds in cases of suspected fraudulent activity, including but not limited to:

• Multiple refund requests for the same or similar courses
• Evidence of content theft or unauthorized sharing
• Abuse of the refund policy
• Chargeback fraud

12. Chargebacks

12.1 Chargeback Process

If you initiate a chargeback with your bank or credit card company instead of requesting a refund through our proper channels, we reserve the right to:

• Immediately suspend your account access
• Dispute the chargeback with evidence of service delivery
• Permanently ban your account for policy violation

12.2 Proper Refund Procedure

We strongly encourage you to contact us directly before initiating any chargeback. We are committed to resolving any legitimate concerns and will work with you to find a satisfactory solution.

13. Exceptions and Special Circumstances

We understand that exceptional circumstances may arise. If you believe you have a valid reason for a refund outside the scope of this policy, please contact us at [email protected]. We will review your case individually and may grant exceptions at our sole discretion.

14. Contact Information

For refund requests, questions, or concerns regarding this policy, please contact us:

• Email: [email protected]
• Phone: +1 615-507-3489
• Address: 76030 Weber Pike Apt. 518, Port Favian, QC Y5X2M9, Canada
• Business Hours: Monday-Friday, 9:00 AM - 5:00 PM CST
• Registration Number: 55896196

15. Changes 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 services after changes are posted constitutes acceptance of the modified policy. However, any changes will not affect refund requests made prior to the policy modification.

16. Consumer Rights

This Refund Policy does not affect your statutory rights as a consumer under applicable consumer protection laws. In some jurisdictions, you may have additional rights beyond those described in this policy.

17. Acknowledgment

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