Refund Policy

1. General Refund Policy

We offer refunds under specific conditions as detailed in this policy. Our goal is to provide fair and reasonable refund terms while maintaining the integrity of our services and products.

1.1. Digital Products and Services

For digital products and services (e-books, online courses, webinars, digital reports, etc.):

• We offer a 14-day money-back guarantee from the date of purchase
• Refunds may be requested for any reason within this period
• Once a digital product has been downloaded, accessed, or the online service has been used beyond a reasonable trial period, refunds are at our discretion

1.2. Subscription Services

For subscription-based services:

• New subscribers may request a full refund within 14 days of the initial subscription purchase
• After the initial 14-day period, you may cancel your subscription at any time, but refunds will not be provided for the current billing period
• Upon cancellation, you will continue to have access to the subscription services until the end of your current billing period
• No refunds are provided for any unused portion of a subscription period

1.3. Consulting Services

For personalized consulting services:

• Full refunds are available if canceled at least 48 hours before the scheduled service
• Cancellations within 48 hours of the scheduled service may be subject to a 50% cancellation fee
• No refunds are available after the consulting service has been delivered

2. Conditions for Refund Eligibility

To be eligible for a refund, you must meet the following conditions:

• The refund request must be made within the specified timeframe for the particular product or service
• You must provide a valid reason for requesting a refund
• You must provide proof of purchase, such as an order number or receipt
• The product or service must have been purchased directly from our website

2.1. Non-Refundable Items

The following items and situations are generally not eligible for refunds:

• Products or services clearly marked as non-refundable at the time of purchase
• Customized or personalized services after work has commenced
• Services that have been fully delivered and completed
• Purchases made through third-party platforms (refund policies of those platforms apply)
• Products or services where the terms of service or specific agreements override this general refund policy

3. Refund Process

To request a refund, please follow these steps:

3.1. Submitting a Refund Request

1. Contact us by email at info@инвестстратегии.рф with the subject line "Refund Request"
2. Include your order number, date of purchase, and the product or service for which you're requesting a refund
3. Provide a detailed explanation for your refund request
4. Include any relevant documentation or evidence that supports your request

3.2. Refund Review Process

Upon receiving your refund request, we will:

1. Acknowledge receipt of your request within 2 business days
2. Review your request and determine if it meets our refund criteria
3. Request additional information if necessary
4. Make a decision regarding your refund request within 5-7 business days

3.3. Refund Processing

If your refund request is approved:

• Refunds will be processed to the original payment method used for the purchase
• Processing time typically takes 3-10 business days, depending on your payment provider
• You will receive an email confirmation once the refund has been processed

4. Partial Refunds

In some cases, we may offer partial refunds:

• If only part of a bundled service or product is unsatisfactory
• If you have used a significant portion of a service before requesting a refund
• If technical or quality issues affected only part of the provided service

The amount of a partial refund will be determined based on the specific circumstances and the value of the unused or unsatisfactory portion of the product or service.

5. Cancellation vs. Refund

It's important to understand the difference between cancellation and refund:

• Cancellation: Stopping future charges for subscription services. Canceling a subscription does not automatically entitle you to a refund for past charges.
• Refund: Returning money that has already been paid for a product or service.

You may cancel a subscription at any time through your account settings or by contacting our customer support team.

6. Exceptions and Special Circumstances

We understand that special circumstances may arise. In cases of:

• Technical issues on our end that severely impact service delivery
• Duplicate charges or billing errors
• Unexpected personal emergencies (with documentation)

We may consider refund requests outside of our standard policy on a case-by-case basis. Please contact our customer support team to discuss your specific situation.

7. Promotional Offers and Discounted Purchases

Products or services purchased with promotional discounts, special offers, or using gift cards may be subject to modified refund terms:

• Refunds for products purchased with a promotional discount will be based on the actual amount paid
• Some promotional or heavily discounted items may be designated as final sale (non-refundable)
• Gift cards and promotional credits are generally not refundable once issued

Any specific refund limitations for promotional offers will be clearly communicated at the time of purchase.

8. Chargebacks

We strongly encourage customers to contact us directly to resolve any issues before initiating a chargeback with their payment provider. Unauthorized chargebacks may result in:

• Termination of services
• Account suspension
• Additional fees or penalties
• Ineligibility for future purchases or promotions

If you have concerns about a charge, please contact our customer support team first so we can address the issue promptly and appropriately.

9. Right to Modify Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting on our website. It is your responsibility to review this policy periodically for changes. Your continued use of our services following the posting of changes to this policy will constitute your acceptance of such changes.

10. Contact Us

If you have any questions about our Refund Policy, please contact us at:

Our customer service team is available Monday through Friday, 9:00 AM to 6:00 PM GMT.