Refund Policy

Last Updated: May 1, 2024

At InvestWisely, we strive to ensure that our customers are completely satisfied with their purchases. This Refund Policy outlines our procedures and guidelines regarding refunds for our digital products, premium subscriptions, courses, and other services.

1. General Provisions

This Refund Policy applies to all products and services offered by InvestWisely, including but not limited to:

• Premium content subscriptions
• Digital investment guides and ebooks
• Online courses and webinars
• Investment tools and calculators
• Personalized portfolio analysis services
• Other digital products and services

2. Refund Eligibility

2.1 Premium Subscriptions

For monthly premium subscriptions:

• We offer a 14-day money-back guarantee from the date of initial subscription purchase.
• If you are not satisfied with your subscription within the first 14 days, you may request a full refund.
• After the initial 14-day period, we do not provide partial refunds for the remainder of the billing cycle if you decide to cancel.
• When you cancel a subscription, you will continue to have access to the premium content until the end of your current billing period.

For annual premium subscriptions:

• We offer a 30-day money-back guarantee from the date of purchase.
• If you are not satisfied with your subscription within the first 30 days, you may request a full refund.
• After the initial 30-day period, we may provide a prorated refund for the unused portion of your subscription at our discretion, less a £25 administrative fee.

2.2 Digital Investment Guides and Ebooks

• Due to the nature of digital products, all sales of digital investment guides and ebooks are final and non-refundable once the download link has been accessed or the product has been delivered.
• If you have not downloaded or accessed the digital product and wish to request a refund within 7 days of purchase, we may consider your request on a case-by-case basis.

2.3 Online Courses and Webinars

For pre-recorded courses:

• We offer a 14-day money-back guarantee from the date of purchase, provided you have not completed more than 25% of the course content.
• If you have completed more than 25% of the course, no refund will be issued.

For live webinars and events:

• Full refunds are available up to 7 days before the scheduled event.
• 50% refunds are available between 2-7 days before the scheduled event.
• No refunds are available within 48 hours of the scheduled event.
• If you are unable to attend, you may transfer your registration to another person or receive access to the recorded session (if recording is available) at no additional cost.

2.4 Personalized Services

For personalized portfolio analysis and consultation services:

• Full refunds are available if canceled more than 48 hours before the scheduled service.
• No refunds are provided for missed appointments or cancellations made less than 48 hours before the scheduled service.
• If you are dissatisfied with the service provided, please contact us within 7 days of service delivery to discuss potential partial refunds or alternative solutions.

3. Refund Process

3.1 How to Request a Refund

To request a refund, please follow these steps:

1. Contact our customer support team by email at [email protected] with the subject line 'Refund Request'
2. Include the following information in your email:
   • Your full name
   • Order number or transaction ID
   • Date of purchase
   • Product or service purchased
   • Reason for requesting a refund
3. Our customer support team will review your request and respond within 2 business days.

3.2 Refund Processing Time

Once a refund is approved:

• Refunds will be processed using the same payment method used for the original purchase.
• Credit card refunds typically take 5-10 business days to appear on your statement, depending on your financial institution.
• PayPal refunds are usually processed within 1-3 business days.
• Bank transfers may take 5-7 business days to process.

4. Exceptions and Special Circumstances

4.1 Technical Issues

If you experience technical issues that significantly impair your ability to use our products or services, please contact our support team at [email protected]. We will work to resolve the issues promptly. If the issues cannot be resolved, we may offer a refund outside of our standard policy timeframes.

4.2 Promotional or Discounted Purchases

Products or services purchased at a promotional or discounted rate may have different refund terms, which will be clearly communicated at the time of purchase.

4.3 Bundle Purchases

For bundled products or services, partial refunds for individual components of the bundle are generally not available. The refund policy will apply to the entire bundle purchase.

5. Cancellation Policy

5.1 Subscription Cancellations

You may cancel your subscription at any time by:

• Logging into your account and navigating to the subscription management section
• Emailing our customer support team at [email protected] with your cancellation request

When you cancel your subscription:

• Your subscription will remain active until the end of the current billing period
• You will not be charged for subsequent billing periods
• You will lose access to premium content once your subscription expires

5.2 Automatic Renewals

All subscriptions are set to automatically renew by default. To prevent automatic renewal, you must cancel your subscription at least 24 hours before the renewal date.

6. Refund Eligibility Summary

7. Customer Satisfaction Guarantee

At InvestWisely, we stand behind the quality of our products and services. If you are not completely satisfied with your purchase for any reason, please contact our customer support team, and we will do our best to address your concerns and make things right.

8. Changes to This 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 Refund Policy periodically for changes. Your continued use of our products and services following the posting of changes constitutes acceptance of those changes.

9. Contact Information