Refund Policy

Effective Date: January 1, 2025

Last Updated: January 1, 2025

1. Overview

At Finance Focus Academy, we are committed to providing high-quality financial consulting education and ensuring customer satisfaction. This Refund Policy outlines the terms and conditions under which refunds may be requested and processed for our courses and services.

By purchasing any course from Finance Focus Academy, you acknowledge that you have read, understood, and agree to the terms of this Refund Policy.

2. 30-Day Money-Back Guarantee

2.1 Standard Refund Period

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

2.2 Eligibility Requirements

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

Submit your refund request within 30 calendar days from the date of purchase
Provide a valid reason for your refund request
Have accessed less than 30% of the course content
Not have completed the course or received a certificate of completion
Not have violated our Terms & Conditions
Not have previously requested a refund for the same course

2.3 Refund Amount

Eligible refunds will be processed for the full purchase price of the course. This includes:

The course fee paid
Any applicable taxes charged

Please note that payment processing fees charged by third-party payment processors are non-refundable.

3. Refund Request Process

3.1 How to Request a Refund

To request a refund, please follow these steps:

Send an email to info@financefocusacademy.com with the subject line "Refund Request"
Include the following information:
- Your full name
- Email address associated with your account
- Course name and purchase date
- Order or transaction number
- Reason for requesting a refund
Wait for confirmation from our support team

3.2 Processing Time

Once we receive your refund request:

We will review your request within 3-5 business days
You will receive an email confirmation of our decision
If approved, the refund will be processed within 7-10 business days
Refunds will be issued to the original payment method used for purchase
Depending on your bank or card issuer, it may take an additional 5-10 business days for the refund to appear in your account

3.3 Account Access

Upon processing 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 issued will be invalidated
You will be removed from course-related communications

4. Exceptions and Non-Refundable Circumstances

4.1 Course Bundles and Special Offers

For bundled courses or special promotional offers:

Refunds must be requested for the entire bundle, not individual courses within the bundle
Partial refunds for individual courses within a bundle are not available
Special promotional pricing may affect refund eligibility

4.2 After 30-Day Period

Refund requests submitted more than 30 days after purchase will generally not be honored, except in the following circumstances:

Documented technical issues that prevented course access (with proof of reported issues)
Significant course content errors or misrepresentations
Medical emergencies or exceptional personal circumstances (documentation may be required)

Such exceptions are evaluated on a case-by-case basis and are at the sole discretion of Finance Focus Academy.

4.3 Completed Courses

Refunds are not available if you have:

Completed more than 30% of the course content
Downloaded course materials or resources
Received and downloaded a certificate of completion
Attended live sessions or webinars associated with the course

4.4 Violations of Terms

Refunds will not be granted if your account has been terminated or suspended due to:

Violation of our Terms & Conditions
Sharing account credentials
Unauthorized distribution of course materials
Fraudulent activities
Abusive behavior toward staff or other students

5. Technical Issues

5.1 Platform Access Problems

If you experience technical difficulties accessing your course:

Contact our support team immediately at info@financefocusacademy.com
Provide detailed information about the issue (screenshots, error messages, etc.)
Allow our technical team 48-72 hours to resolve the issue
Refunds for technical issues will only be considered if we are unable to resolve the problem within a reasonable timeframe

5.2 User-Side Technical Issues

We are not responsible for technical issues arising from:

Your internet connection or bandwidth limitations
Incompatible devices or outdated software
Failure to meet minimum system requirements
Browser compatibility issues (when standard browsers are supported)
Firewall or security settings blocking access

These issues do not qualify for refunds, though we will provide reasonable technical support to help resolve them.

6. Course Content Disputes

6.1 Content Expectations

All our courses include detailed descriptions, curriculum outlines, and learning objectives. We encourage you to:

Review course descriptions thoroughly before purchase
Read course syllabi and learning outcomes
Check instructor credentials and course reviews
Contact us with questions before purchasing

6.2 Content Quality

If you believe a course does not meet the quality standards described, you may request a refund within the 30-day period by providing specific details about the discrepancies.

7. Special Circumstances

7.1 Medical or Personal Emergencies

In cases of documented medical emergencies or exceptional personal circumstances that prevent you from completing a course, we may offer:

Course access extension instead of a refund
Transfer to a different course
Partial refund based on course completion percentage

Documentation may be required, and decisions are made at our discretion.

7.2 Death or Permanent Disability

In the unfortunate event of a student's death or permanent disability, immediate family members may request a full refund regardless of the 30-day period by providing appropriate documentation.

8. Chargebacks and Payment Disputes

8.1 Chargeback Policy

If you initiate a chargeback or payment dispute with your bank or credit card company instead of contacting us directly:

Your account will be immediately suspended
Access to all courses will be revoked
We will contest the chargeback with evidence of service delivery
Future purchases may be restricted

We strongly encourage you to contact our support team to resolve any payment issues before initiating a chargeback.

8.2 Fraudulent Chargebacks

Fraudulent chargebacks (claiming non-delivery of services when access was provided) may result in:

Permanent account termination
Legal action to recover losses
Reporting to fraud prevention agencies

9. Course Updates and Changes

9.1 Content Updates

We regularly update course content to reflect industry changes and improvements. Updates do not entitle you to a refund, as they enhance the value of your purchase.

9.2 Course Discontinuation

If we discontinue a course you have purchased:

You will retain access to existing materials for a reasonable period (minimum 90 days notice)
We may offer access to a comparable replacement course
In some cases, a prorated refund may be offered based on remaining access time

10. Certification and Credentials

10.1 Certificate Refunds

If you have received a certificate of completion, you are not eligible for a refund as this indicates successful course completion.

10.2 Failed Assessments

Failing course assessments or not receiving a certificate due to incomplete work does not qualify for a refund, as access to learning materials was provided.

11. Gift Purchases

11.1 Refunds for Gifts

If you purchased a course as a gift:

Refund requests must come from the original purchaser, not the recipient
The 30-day period begins from the date of purchase, not when the gift was redeemed
The recipient's course access will be revoked if a refund is processed

11.2 Unredeemed Gifts

If a gift course has not been redeemed, refunds may be granted within 90 days of purchase.

12. Subscription and Membership Refunds

12.1 Monthly Subscriptions

If we offer subscription-based access:

Refunds are not available for partial months
You may cancel at any time to prevent future charges
Access continues until the end of the current billing period
No refunds for previous billing cycles

12.2 Annual Subscriptions

Annual subscription refunds may be prorated if requested within the first 30 days, minus the value of any content accessed.

13. Contact Information for Refund Requests

For all refund requests and questions regarding this policy, please contact:

Finance Focus Academy
Registration No: 96763751
Address: 7556 Donald Island Suite 843, Christoton, WC 9078, South Africa
Phone: +9716018521447
Email: info@financefocusacademy.com

14. Changes to This Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. Your continued purchase of courses after changes constitutes acceptance of the modified policy. The policy in effect at the time of your purchase governs your refund rights for that purchase.

15. Fair Use Policy

Finance Focus Academy reserves the right to refuse refund requests from users who demonstrate a pattern of:

Repeatedly purchasing and requesting refunds
Completing or nearly completing courses before requesting refunds
Downloading all materials before requesting refunds
Abusing the refund policy

Such behavior may result in account suspension and restriction from future purchases.

16. Dispute Resolution

If you disagree with our refund decision:

Contact our customer support team to discuss the matter further
Request escalation to a supervisor or manager
Provide additional documentation supporting your claim
If unresolved, disputes will be handled according to the dispute resolution provisions in our Terms & Conditions

17. Consumer Rights

This Refund Policy does not affect your statutory rights as a consumer under applicable law. In jurisdictions where consumer protection laws provide greater rights than this policy, those laws shall prevail.

18. Acknowledgment

By purchasing a course from Finance Focus Academy, you acknowledge that:

You have read and understood this Refund Policy
You agree to be bound by its terms
You understand the refund eligibility requirements and limitations
You will follow the proper procedures for requesting refunds

Thank you for choosing Finance Focus Academy for your financial education needs. We are committed to your success and satisfaction.