Refund Policy

At Skolivra Institute, we are committed to providing high-quality educational content and services. This Refund Policy outlines the terms and conditions under which refunds may be issued for our courses and services.

1. General Refund Policy

We offer a satisfaction guarantee for our educational services. Our refund policy is designed to be fair to both our students and our business while maintaining the integrity of our educational programs.

1.1 Eligibility Period

Refund requests must be submitted within specific timeframes depending on the type of course or service purchased:

• Individual Courses: 14 days from the date of purchase
• Course Bundles: 21 days from the date of purchase
• Subscription Services: Within the first billing cycle
• One-on-One Coaching: Before the first session is completed

1.2 Usage Limitations

To be eligible for a refund, you must not have:

• Completed more than 25% of the course content
• Downloaded more than 25% of available course materials
• Received a completion certificate
• Attended live sessions (for courses that include them)
• Submitted final projects or assessments

2. Refund Process

To request a refund, please follow these steps:

1. Submit a Request
   Contact our support team using the contact information provided at the end of this policy. Include your order number, purchase date, and reason for the refund request.
2. Verification
   Our team will verify your purchase details and confirm your eligibility for a refund based on the criteria outlined in this policy.
3. Review Period
   We will review your request within 5-7 business days. We may contact you for additional information or clarification during this period.
4. Decision Notification
   You will receive an email notification regarding the approval or denial of your refund request, along with an explanation.
5. Refund Processing
   If approved, your refund will be processed within 10-14 business days to the original payment method used for the purchase.

2.1 Required Information

When submitting a refund request, please provide:

• Full name and email address associated with your account
• Order number or transaction ID
• Date of purchase
• Name of the course or service purchased
• Detailed reason for requesting a refund
• Any relevant documentation supporting your request

3. Non-Refundable Items and Services

The following items and services are non-refundable under any circumstances:

3.1 Completed Services

• Courses that have been fully completed
• One-on-one coaching sessions that have been conducted
• Consultation services that have been provided
• Custom design work that has been delivered
• Certificates or credentials that have been issued

3.2 Digital Downloads

• Downloadable templates, resources, or materials that have been accessed
• Software licenses or tools that have been activated
• E-books or guides that have been downloaded

3.3 Special Promotions

• Courses or services purchased during special promotional periods (unless otherwise stated)
• Bundled packages where individual components have been accessed
• Lifetime access memberships after the initial refund period

3.4 Third-Party Services

• Software subscriptions or licenses (e.g., Canva Pro, Figma) facilitated through our platform but provided by third parties
• Third-party tools or resources purchased through our recommendations

4. Special Circumstances

4.1 Technical Issues

If you experience technical difficulties that prevent you from accessing course content, please contact our support team immediately. We will work to resolve the issue promptly. Refunds due to technical issues will be considered on a case-by-case basis and may be granted if:

• The issue cannot be resolved within a reasonable timeframe
• The technical problem is on our end and affects your ability to access the course
• You have cooperated with our support team in attempting to resolve the issue

4.2 Medical or Personal Emergencies

We understand that unexpected life events can interfere with your ability to complete a course. In cases of serious illness, family emergencies, or other extenuating circumstances, please contact us to discuss your options. We may offer:

• Extended access to course materials
• Transfer to a future course session
• Account credit for future purchases
• Partial or full refund based on individual circumstances

Documentation may be required to verify emergency situations.

4.3 Course Cancellation by Skolivra Institute

If we cancel a course or service that you have purchased, you will receive a full refund. You will also have the option to:

• Transfer your enrollment to an alternative course of equal or lesser value
• Receive account credit for the full amount to use on future purchases
• Receive a full refund to your original payment method

5. Subscription Services

5.1 Monthly Subscriptions

For monthly subscription services:

• You may cancel at any time before the next billing cycle
• Cancellations take effect at the end of the current billing period
• No refunds are provided for partial months of service
• You retain access to subscription benefits until the end of the paid period
• Refunds for the current month may be considered within the first 7 days of a new subscription

5.2 Annual Subscriptions

For annual subscription services:

• Refunds are available within 30 days of the initial purchase
• After 30 days, the subscription is non-refundable
• You may cancel to prevent automatic renewal at any time
• Pro-rated refunds are not available for early cancellation after the refund period

6. Partial Refunds

In certain circumstances, we may offer partial refunds:

6.1 Course Bundles

If you purchase a bundle and wish to return unused portions:

• Each component of the bundle must meet individual refund eligibility criteria
• Refunds are calculated based on the individual course prices, not the bundle discount
• If you have accessed any component beyond eligibility limits, the entire bundle becomes non-refundable

6.2 Subscription Downgrades

If you downgrade from a higher-tier subscription to a lower-tier:

• The change takes effect at the start of the next billing cycle
• No partial refunds are provided for the current billing period
• You retain access to higher-tier features until the end of the paid period

7. Account Credit

As an alternative to monetary refunds, we may offer account credit in certain situations:

7.1 Credit Terms

• Account credits are valid for 12 months from the date of issuance
• Credits can be used toward any future purchase on our platform
• Credits are non-transferable and cannot be redeemed for cash
• Unused credits expire after the validity period and cannot be extended
• Credits may be combined with promotional offers unless otherwise stated

7.2 When Credit May Be Offered

• When you're outside the standard refund window but have extenuating circumstances
• When you want to exchange one course for another
• When technical issues have affected your experience but were eventually resolved
• As goodwill compensation for service interruptions or quality concerns

8. Dispute Resolution

8.1 Chargeback Policy

If you have concerns about a charge:

• Contact our support team first to resolve the issue
• We will work with you to address legitimate concerns
• Most issues can be resolved quickly through direct communication
• Chargebacks may result in permanent account termination and loss of all course access

8.2 Disputed Charges

If you notice an unauthorized charge on your account:

• Contact us immediately for investigation
• Provide details about the disputed transaction
• We will review account activity and transaction records
• Unauthorized charges will be refunded promptly upon verification

9. Refund Processing

9.1 Processing Time

Once a refund is approved:

• Refunds are processed within 10-14 business days
• The refund will be credited to your original payment method
• Depending on your financial institution, it may take an additional 5-10 business days for the refund to appear in your account
• You will receive an email confirmation when the refund has been processed

9.2 Refund Methods

• Credit/Debit Cards: Refunded to the original card used for purchase
• PayPal: Refunded to the PayPal account used for payment
• Other Payment Methods: Refunded according to the payment processor's policies

9.3 International Transactions

For international purchases:

• Refunds are processed in the original currency
• Currency conversion rates may differ between purchase and refund dates
• Currency conversion fees are non-refundable
• International transaction fees are non-refundable

10. Course Access After Refund

Once a refund is processed:

• Your access to the course or service will be immediately revoked
• Any downloaded materials must be deleted
• Completion certificates (if issued) become invalid
• You will no longer have access to course updates or support
• Community forum access will be removed
• Any associated resources or bonuses must be returned or deleted

11. Exceptions and Final Decisions

Skolivra Institute reserves the right to:

• Make final decisions on all refund requests
• Deny refunds that do not meet the criteria outlined in this policy
• Request additional information or documentation before processing refunds
• Modify this Refund Policy with appropriate notice
• Handle unique situations on a case-by-case basis
• Refuse future service to users who abuse the refund policy

12. Fraudulent Refund Requests

We take fraudulent refund requests seriously. Abuse of our refund policy may result in:

• Immediate denial of the refund request
• Permanent account suspension
• Prohibition from future purchases
• Legal action if warranted
• Reporting to relevant authorities

Examples of refund abuse include:

• Completing a course and then requesting a refund
• Downloading all course materials before requesting a refund
• Making multiple purchases with intent to refund
• Sharing course materials after receiving a refund
• Providing false information in refund requests

13. Gift Purchases

For courses or services purchased as gifts:

• The purchaser must request the refund, not the recipient
• Standard refund criteria apply
• Refunds are issued to the original purchaser
• The recipient's course access will be revoked upon refund
• Unused gift codes may be refunded before redemption

14. Changes to This Refund Policy

We may update this Refund Policy from time to time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

Material changes to this policy will be communicated via:

• Email notification to registered users
• Prominent notice on our website
• Update notification in your account dashboard

15. Questions and Support

We encourage you to contact us before making a purchase if you have any questions about our refund policy. Our support team is here to help ensure you make the right decision for your educational needs.

Last Updated: January 1, 2024