Refund Policy

General Refund Policy

At zoravianthulosqe, we understand that financial education is a significant investment in your future. We're committed to providing quality educational content about emotional investing and behavioral finance. Our refund policy is designed to be fair while protecting both our students and our business.

Refunds are available under specific circumstances and must be requested within designated timeframes. We evaluate each refund request individually, considering factors such as course completion, engagement level, and the specific reason for the refund request.

Eligibility Criteria

To qualify for a refund, your request must meet certain criteria. These requirements help us maintain the quality of our educational community while ensuring legitimate concerns are addressed promptly.

• Refund requests must be submitted within 14 days of initial purchase or enrollment
• Course completion must be less than 25% of total available content
• No downloadable materials or certificates have been accessed or generated
• Technical issues that prevent access must be documented and reported to our support team
• Course content must not have been accessed through multiple devices or shared accounts

Refund Process Timeline

Payment Methods and Processing Times

Refunds are processed back to your original payment method whenever possible. Processing times vary depending on your payment provider and banking institution. Here's what you can expect for different payment types:

• Credit Cards: 5-7 business days after approval
• PayPal: 3-5 business days after approval
• Bank Transfers: 7-10 business days after approval
• Digital Wallets: 3-7 business days depending on provider

If your original payment method is no longer available, we may issue a credit to your zoravianthulosqe account or arrange an alternative refund method after additional verification.

Non-Refundable Situations

While we strive to accommodate legitimate refund requests, certain situations fall outside our refund policy. Understanding these exceptions helps set clear expectations about when refunds may not be available.

• Requests submitted more than 14 days after initial purchase or enrollment
• Courses where more than 25% of content has been completed or accessed
• Downloadable resources, worksheets, or bonus materials have been accessed
• Certificates of completion have been issued or generated
• Account sharing or multiple device access violations
• Promotional or discounted courses purchased during special sales events