Refund Policy

Last Updated: January 15, 2025

1. Overview

This Refund Policy applies to all course purchases and services provided by Financial Consulting Courses ("we," "us," or "our") through our website finishconsultpro.com. By purchasing our courses, you agree to the terms outlined in this policy.

2. Money-Back Guarantee Period

We offer a 14-day money-back guarantee for most of our courses. This guarantee allows you to experience our content risk-free and ensure it meets your educational needs.

2.1 Eligibility Criteria

To qualify for a full refund under our money-back guarantee, you must:

• Request the refund within 14 calendar days of your purchase date
• Have accessed less than 30% of the course content
• Not have downloaded or saved course materials extensively
• Not have received a certificate of completion
• Not have previously received a refund for the same or similar course
• Provide a valid reason for your refund request

2.2 What's Covered

The 14-day money-back guarantee applies to:

• Individual course purchases
• Course bundles and packages
• Self-paced online courses
• Pre-recorded course materials

3. Exceptions to the Money-Back Guarantee

Refunds are NOT available for the following:

3.1 Non-Refundable Items

• Live Training Sessions: Courses that include live webinars, workshops, or instructor-led sessions scheduled at specific times
• Completed Courses: Courses where you have accessed more than 30% of content or completed the course
• Downloadable Resources: Standalone downloads, templates, or digital resources purchased separately
• Certification Fees: Examination fees, certification processing fees, or credential maintenance fees
• Promotional or Discounted Courses: Courses purchased during special promotions or at significantly discounted prices (may have modified refund terms)
• Third-Party Courses: Courses provided by third-party partners where different refund policies apply
• Customized Training: Bespoke or personalized training programs designed specifically for your needs
• Membership Programs: Recurring subscription services (subject to cancellation policy)

3.2 Time-Expired Requests

Refund requests received after the 14-day guarantee period has expired will not be honored except in extraordinary circumstances at our sole discretion.

3.3 Multiple Refund Requests

We reserve the right to deny refund requests from users who:

• Have a history of excessive refund requests
• Show patterns of abusive behavior or policy exploitation
• Have been previously warned about refund policy violations

4. Partial Refunds

In certain circumstances, partial refunds may be offered:

4.1 Eligible Situations

5. How to Request a Refund

To request a refund, please follow these steps:

Step 1: Contact Us

Email our support team at [email protected] with the following information:

• Your full name and registered email address
• Order number or transaction ID
• Course name and purchase date
• Detailed reason for the refund request
• Feedback on what didn't meet your expectations (optional but appreciated)

Step 2: Verification

Our team will verify your purchase and review your account activity to ensure compliance with our refund policy, including:

• Confirming purchase date and amount
• Reviewing course access and completion percentage
• Checking eligibility criteria
• Assessing the validity of the refund reason

Step 3: Decision

You will receive a response regarding your refund request within 5-7 business days. If approved, refund processing will begin immediately.

Step 4: Processing

Once approved, refunds are typically processed within:

• Credit/Debit Cards: 7-10 business days
• PayPal: 3-5 business days
• Bank Transfers: 10-14 business days

Processing times depend on your payment provider and financial institution.

6. Refund Method

All refunds will be issued using the original payment method. We cannot process refunds to different payment methods or accounts.

• Credit card refunds will appear as a credit on your statement
• PayPal refunds will be credited to your PayPal account
• Bank transfer refunds will be returned to the originating account

Important: Transaction fees charged by payment processors are non-refundable.

7. Course Access After Refund

Upon approval of a refund:

• Your access to the course will be immediately revoked
• You will no longer be able to view course materials or resources
• Any certificates earned will be invalidated
• You will be removed from course communications and updates
• Downloaded materials must be deleted from your devices

8. Subscription and Membership Cancellations

8.1 Monthly Subscriptions

For recurring monthly subscription services:

• You may cancel at any time before the next billing cycle
• Cancellation must be submitted at least 3 business days before renewal
• You will retain access until the end of the current billing period
• No refunds are provided for partial months
• No charges will occur after successful cancellation

8.2 Annual Subscriptions

For annual subscription services:

• Refunds are available within the first 14 days for unused portions
• After 14 days, refunds are prorated based on remaining months
• A 10% administrative fee may apply to annual subscription refunds
• Cancellation takes effect at the end of the annual period unless refunded

8.3 How to Cancel

To cancel a subscription:

1. Log into your account on our website
2. Navigate to "Account Settings" or "Subscription Management"
3. Click "Cancel Subscription" and follow the prompts
4. Alternatively, email [email protected] with your cancellation request

9. Technical Issues and Service Disruptions

If technical problems prevent you from accessing course content:

9.1 Reporting Issues

• Contact our support team immediately at [email protected]
• Provide detailed description of the technical issue
• Include screenshots or error messages if possible
• Allow us reasonable time to resolve the issue (typically 48-72 hours)

9.2 Resolution Options

Depending on the situation, we may offer:

• Technical support to resolve the issue
• Extended access to compensate for downtime
• Alternative access methods (different device, format, etc.)
• Partial or full refund if the issue cannot be resolved

10. Course Satisfaction and Quality

We strive to provide high-quality educational content. If you're unsatisfied with a course:

10.1 Before Requesting a Refund

We encourage you to:

• Review the course description and curriculum again
• Complete at least several modules to fully evaluate the content
• Contact our support team with specific concerns
• Explore supplementary resources and materials
• Engage with instructors or community forums for clarification

10.2 Valid Reasons for Refund

Legitimate reasons for dissatisfaction include:

• Content significantly differs from course description
• Course level (beginner/intermediate/advanced) misrepresented
• Poor audio/video quality that impairs learning
• Incomplete or missing promised content
• Technical errors preventing course functionality

10.3 Invalid Reasons

The following do NOT qualify for refunds:

• Changed mind or lack of time to complete the course
• Difficulty of course material (unless misrepresented)
• Personal disagreement with teaching methods or style
• Course didn't provide expected job or salary outcomes
• Failure to pass certification exams

11. Special Circumstances

We understand that extraordinary situations may arise. Special consideration may be given for:

• Medical Emergencies: Serious illness or injury with documentation
• Bereavement: Death of immediate family member
• Military Deployment: Unexpected deployment or transfer
• Natural Disasters: Events preventing course access
• Job Loss: Unexpected unemployment affecting ability to complete course

These requests are evaluated case-by-case and may require supporting documentation. Contact us at [email protected] to discuss your situation.

12. Chargebacks and Disputes

If you dispute a charge with your bank or payment provider:

• Your account access will be immediately suspended pending resolution
• We will provide transaction evidence to your payment provider
• Account access will only be restored if the chargeback is withdrawn or decided in our favor
• Fraudulent chargebacks may result in permanent account termination and legal action

Please contact us first to resolve any payment concerns before filing a dispute.

13. Bundle and Package Purchases

For course bundles or packages containing multiple courses:

• Refund eligibility applies to the entire bundle, not individual courses
• The 14-day period applies from the date of bundle purchase
• Bundle refunds require that less than 30% of ANY course in the bundle has been accessed
• Partial refunds for individual courses within a bundle are not available
• Bundle pricing discounts are forfeited if refunded

14. Gift Purchases

For courses purchased as gifts:

• The 14-day refund period begins when the recipient activates the gift
• Refund requests must come from the original purchaser
• Unused gift codes can be refunded within 90 days of purchase
• Once a gift code is redeemed, standard refund policies apply

15. Corporate and Group Purchases

Corporate or group training purchases may have different refund terms:

• Custom refund agreements may be negotiated at time of purchase
• Group refunds are typically prorated based on number of participants
• Minimum participant thresholds may apply
• Contact our corporate sales team for specific terms

16. Refund Policy Updates

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. Material changes will be communicated via:

• Email notification to registered users
• Prominent notice on our website
• Update to the "Last Updated" date at the top of this policy

Your continued use of our services after changes constitutes acceptance of the modified policy.

17. Contact Us

For questions, concerns, or refund requests, please contact us:

18. Fair Use Commitment

Our refund policy is designed to be fair to both our students and our business. We trust our students to use this policy appropriately and in good faith. Abuse of our refund policy, including:

• Completing courses and then requesting refunds
• Downloading all materials before refund requests
• Making repeated refund requests across multiple courses
• Sharing account access with others

may result in account suspension, refund denial, and prohibition from future purchases.

19. Governing Law

This Refund Policy is governed by the laws of England and Wales, United Kingdom. Any disputes arising from refund requests or this policy shall be subject to the exclusive jurisdiction of the courts of England and Wales.

20. Acknowledgment

By purchasing our courses, you acknowledge that you have read, understood, and agree to be bound by this Refund Policy. If you do not agree with any part of this policy, please do not make a purchase.

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