Refund Eligibility Requirements
Our refund policy reflects our commitment to providing valuable financial communication education. We understand that circumstances change, and we've structured our policy to be fair while protecting the integrity of our programs.
All refund requests must be submitted within 14 days of program commencement for full consideration.
Program Attendance
You must have attended less than 25% of scheduled sessions or completed less than 20% of course materials to qualify for a full refund.
Documentation Required
Valid reason with supporting documentation, original payment confirmation, and completed refund request form.
Good Standing
Your account must be in good standing with no violations of our terms of service or program guidelines.
Refund Processing Timeline
We process refund requests systematically to ensure fairness and accuracy. Here's what you can expect during each stage of the process:
Day 1-2: Request Submission
Submit your refund request through our online form or by contacting our team directly. You'll receive confirmation within 24 hours.
Day 3-7: Review Process
Our team reviews your request, verifies eligibility criteria, and may contact you for additional information if needed.
Day 8-10: Decision Communication
We'll email you the decision with detailed explanation and next steps. Approved refunds move to processing immediately.
Day 11-21: Payment Processing
Refunds are processed back to your original payment method. Bank processing times may add 3-7 business days.
Common Refund Scenarios
Different situations call for different approaches. We've outlined our most common refund scenarios to help you understand what applies to your situation.
Full Refund Situations
• Medical emergencies with documentation
• Job loss or significant financial hardship
• Program cancellation by zerynovo
• Technical issues preventing program access for more than 5 business days
Partial refunds may be available for students who have completed 25-50% of the program, calculated on a pro-rata basis.
Non-Refundable Situations
• Requests made after 30 days from program start
• Completion of more than 50% of program content
• Violation of program terms and conditions
• Change of mind without qualifying circumstances
Payment Methods & Processing
Refunds are processed using the same payment method you used for the original purchase. Processing times vary depending on your payment provider and financial institution.
Credit Cards
Refunds appear as credits on your statement within 5-10 business days. Contact your card issuer if you don't see the refund after this period.
Bank Transfers
Direct bank transfers typically take 3-7 business days. International transfers may require additional processing time.
Digital Payments
PayPal and other digital payment refunds usually process within 2-5 business days, depending on the platform.
Special Circumstances & Exceptions
We recognize that exceptional circumstances sometimes require flexible solutions. Our team evaluates each unique situation individually.
Corporate Program Enrollments: Companies enrolling multiple employees may have different refund terms outlined in their corporate agreement.
Scholarship Recipients: Partial or full scholarship recipients may have specific refund conditions based on their award terms.
International Students: Currency fluctuations and international banking fees may affect refund amounts. We aim to minimize these impacts where possible.
Exceptional circumstances are reviewed by our senior management team and may result in policy exceptions at our discretion.