Refund Policy

1 Refund Eligibility Criteria

At zenarilophyx, we believe in providing quality financial education that meets your expectations. Refunds are available under specific circumstances to ensure fairness for all participants while maintaining the integrity of our educational programs.

• Course withdrawal requests within 14 days of enrollment
• Technical issues preventing access to course materials for more than 5 business days
• Course cancellation or significant schedule changes initiated by zenarilophyx
• Duplicate payments or billing errors on your account
• Medical emergencies with appropriate documentation provided

2 Refund Process Timeline

We've designed our refund process to be straightforward and transparent. Here's what you can expect when requesting a refund for your zenarilophyx financial education program.

3 Course Completion Refunds

Different refund policies apply depending on your progress through the course materials. We understand that circumstances change, but we also need to maintain fairness for all participants.

• Full refund available if less than 25% of course content accessed within 14 days
• Partial refund (50%) available if 25-50% of content accessed within 14 days
• No refund available once more than 50% of course content has been accessed
• Certificate programs have different completion thresholds - contact us for details

4 Payment Method Refunds

Refunds are processed back to your original payment method whenever possible. Processing times vary depending on your financial institution and payment type used for the original transaction.

• Credit card refunds: 5-10 business days to appear on your statement
• Debit card refunds: 3-7 business days depending on your bank
• PayPal refunds: 1-3 business days once processed
• Bank transfer refunds: 7-14 business days for international transfers

If your original payment method is no longer valid, we'll work with you to arrange an alternative refund method. This may require additional verification for security purposes.

5 Non-Refundable Items

Certain items and services are not eligible for refunds due to their nature or the resources involved in their delivery. We clearly mark these items during the enrollment process.

• One-on-one coaching sessions already completed
• Downloaded digital materials and resources
• Printed course materials shipped to your address
• Third-party software licenses or tools provided as part of courses
• Workshop attendance fees for events you've already attended

6 Special Circumstances

We recognize that unexpected situations can impact your ability to complete our programs. Each case is reviewed individually to find a fair solution that works for everyone involved.

Medical emergencies, family crises, or other significant life events may qualify for special consideration beyond our standard refund policy. Documentation may be required, and alternative solutions like course transfers or extended access might be offered instead of monetary refunds.