Refund Policy

Last Updated: April 15, 2024

1. Introduction

At InvestWise Academy, we are committed to ensuring your satisfaction with our educational products and services. This Refund Policy outlines the conditions under which we offer refunds for purchases made through our website investwiseacademy.ca.

We encourage you to read this policy carefully before making a purchase. By purchasing our products or services, you acknowledge that you have read, understood, and agree to be bound by this Refund Policy.

2. Satisfaction Guarantee

We stand behind the quality of our educational products with our 30-day satisfaction guarantee. If you are not satisfied with your purchase for any reason, you may request a refund within 30 days of the purchase date, subject to the terms and conditions outlined in this policy.

3. Refund Eligibility by Product Type

3.1 Digital Products (E-books, PDF Guides, Spreadsheets)

For digital products that can be downloaded immediately:

  • Refunds may be requested within 30 days of purchase
  • You must provide a brief explanation of why the product did not meet your expectations
  • Upon refund approval, your access to the digital product will be revoked

3.2 Online Courses

For online courses and educational programs:

  • Refunds may be requested within 30 days of purchase
  • To be eligible for a refund, you must have completed no more than 25% of the course content
  • You must provide specific feedback about why the course did not meet your expectations
  • Upon refund approval, your access to the course will be revoked

3.3 Software and Tools

For investment software, calculators, and tools:

  • Refunds may be requested within 30 days of purchase
  • You must demonstrate that you attempted to use the software as intended
  • You must have contacted our technical support for assistance with any issues prior to requesting a refund
  • Upon refund approval, your license and access to the software will be deactivated

3.4 Subscription-Based Products

For subscription-based services:

  • Pro-rated refunds may be issued for the unused portion of your current billing period
  • Annual subscriptions may be refunded within 30 days of purchase or renewal
  • Monthly subscriptions may be canceled at any time, but refunds are only issued for the current month if requested within 7 days of billing

4. Conditions for Refund Eligibility

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

  • The refund request must be submitted within the specified timeframe for the product type
  • The purchase must have been made directly through our website
  • You must provide proof of purchase (order number, transaction ID, or email confirmation)
  • The request must include a clear explanation of the reason for the refund

5. Refund Exclusions

Refunds will not be issued in the following circumstances:

  • After the 30-day refund period has expired
  • For courses where more than 25% of the content has been accessed
  • For digital products that have been extensively downloaded, printed, or copied
  • If there is evidence of fraud or abuse of our refund policy
  • For purchases made through third-party resellers or platforms
  • If the refund is requested due to incompatibility issues that were clearly stated in the product specifications before purchase
  • For bundle purchases where individual components of the bundle have been extensively used

6. Refund Process

6.1 How to Request a Refund

To request a refund, please follow these steps:

  1. Send an email to [email protected] with the subject line "Refund Request - [Order Number]"
  2. Include the following information in your email:
    • Your full name
    • Order number or transaction ID
    • Date of purchase
    • Product(s) for which you are requesting a refund
    • Reason for the refund request
    • Any relevant details or screenshots that support your request
  3. Alternatively, you can complete the refund request form available in your account dashboard

6.2 Refund Processing Time

We will review your refund request and respond within 3-5 business days. If your refund is approved:

  • Credit card payments will be refunded to the original payment method within 5-10 business days
  • Other payment methods may take up to 10-14 business days to process
  • Processing times may vary depending on your financial institution

6.3 Refund Method

Refunds will be issued using the same payment method used for the original purchase. If this is not possible, we will work with you to arrange an alternative refund method.

7. Partial Refunds

In some circumstances, we may offer partial refunds:

  • For bundle purchases where only part of the bundle did not meet expectations
  • For courses where a significant portion has been completed
  • When technical issues affected some, but not all, of the product's functionality
  • For annual subscriptions that are canceled mid-term

The amount of a partial refund will be determined on a case-by-case basis.

8. Special Circumstances

8.1 Technical Issues

If you experience technical issues that prevent you from accessing or using our products:

  • Contact our technical support team at [email protected] before requesting a refund
  • We will make reasonable efforts to resolve the issue
  • If the issue cannot be resolved within 10 business days, you may be eligible for a refund regardless of other conditions

8.2 Content Updates and Revisions

Our educational content is regularly updated to reflect changes in the investment landscape, tax laws, and regulations. If material becomes outdated:

  • We typically provide free updates for digital products within a reasonable timeframe
  • Major revisions may be offered at a discounted upgrade price
  • Refunds will not be issued solely because new content or updates have been released after your purchase

9. Customer Satisfaction

Your satisfaction is our priority. If you are not completely satisfied with your purchase but do not qualify for a refund under this policy, please contact our customer service team at [email protected]. We may be able to offer alternatives such as:

  • Product exchanges
  • Store credit
  • Extended access to courses or materials
  • Additional support or training

10. Policy Modifications

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services following any changes indicates your acceptance of the revised policy.

11. Contact Information

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

InvestWise Academy
55244 Amber Junction Apt. 266
Lake Estella, NB N5N 7Y4
Canada

Email: [email protected]

Phone: +1 207-264-6100