Refund Policy

1. General rule

This policy is part of the Terms and Conditions. The terms “Program,” “Client,” “Program Fee,” “Payment Confirmation Date,” “Platform” and “Tool Package” have the same meaning as in the Terms.

1.1. The Program is a digital educational product, access to which opens after payment. Therefore all sales are final, except for: (a) the 90-day Guarantee (Article 2); (b) the cases listed in clause 1.3; (c) cases where mandatory consumer protection law requires otherwise (Article 6).

1.2. Amounts paid for the Program are not refundable, pro-rated or compensated, including on early termination of participation or the Client’s voluntary decision to stop participating in the Program, except in the cases in clause 1.1.

1.3. Regardless of the Guarantee Period, the Company refunds the money if: (a) the Client was charged twice or an amount other than the agreed price, in which case we refund the excess; (b) the Client did not get access to the Program within 3 business days after payment and the Company did not fix the problem within 7 business days after the request, in which case we refund the full amount; (c) the Company stops offering the Program before the end of the Client’s access period, having notified the Client at least 30 days in advance, in which case we refund the unused part proportionally.

2. 90-day conditional Guarantee

2.1. The Guarantee Period is 90 (ninety) consecutive calendar days from the Payment Confirmation Date, regardless of when the Client actually starts the Program.

2.2. To qualify for the Guarantee, the Client must within the Guarantee Period:

(a) complete and submit, through the Client’s account on the Platform, the homework for each lesson of the Program;

(b) starting from Module 3, submit an Implementation Action Report describing one specific, verifiable action taken that day to apply the course materials, for 60 (sixty) consecutive days within the Guarantee Period, with no more than 3 (three) missed days during that period;

(c) not receive during the Guarantee Period income equal to or greater than the Program Fee, according to the Client’s reports under item (b) or other evidence. A Client who received such income is considered to have applied the Program successfully and may not claim a refund under the Guarantee.

2.3. Refund request: to request a refund under the Guarantee, the Client must submit a written request to [email protected] within 14 calendar days after the end of the Guarantee Period, confirming that the conditions of clause 2.2 have been met and providing any supporting information that the Company reasonably requests.

2.4. Review: the Company reviews each request within 10 business days against the criteria of clause 2.2, based on the Client’s records on the Platform. The decision is communicated to the Client in writing, stating which criteria, if any, were not met.

2.5. Approved refunds are made to the original payment method within 10 business days after approval.

2.6. The Guarantee is the Client’s sole and exclusive remedy in case of dissatisfaction with the results of the Program, except for rights that mandatory consumer protection law gives the Client (including the law of the province of Ontario). The Guarantee does not apply to the Tool Package, which is governed by Article 4.

2.7. We confirm receipt of a request within 2 business days. A bank may take another 5–10 business days to show the refund. Access to the Program ends after the refund.

3. Purchases with financing

3.1. If the Client paid for the Program through a third-party lender or installment provider, the Client entered into a separate agreement with it. The terms, fees and credit decisions under that agreement are determined by the provider and not by the Company.

3.2. Approved refunds on such purchases are made through that provider, and the Client’s obligations to the provider are adjusted under the provider’s terms.

4. The Tool Package

4.1. A technical fault in a Package tool gives the Client the right to support and, if the fault is not fixed within 14 days after the request is registered, the right to an extension of access to that tool for the period of the fault. A refund of the Program Fee on this ground is not provided.

4.2. A fault, unavailability or discontinuation of a Package tool is not a ground for a dispute or chargeback regarding the Program Fee, except where the Company did not give the Client access to the tool at all. The educational Program remains provided regardless of the status of the tools.

5. Payment disputes

5.1. Before starting a chargeback or a payment dispute, we ask the Client to contact the Company in writing at [email protected] so that the Company can resolve the matter quickly. This request does not limit the Client’s right to contact their bank or payment provider at any time.

5.2. The Company may suspend the Client’s access to the Platform, the Program and the Tool Package while a payment dispute is being considered. If the dispute is resolved in the Client’s favor, access ends; if in the Company’s favor, access is restored for the remaining period. A chargeback on a purchase for which the Company has already issued a refund will be contested.

5.3. Nothing in this Article limits the Client’s rights under mandatory consumer protection law or the rules of the Client’s bank or payment provider.

6. Statutory rights

6.1. This policy applies to the maximum extent permitted by applicable law. Some jurisdictions, including the Canadian province of Ontario, have consumer protection laws that do not allow certain rights to be excluded or limited. To the extent such mandatory laws apply to the Client, the Client may use these rights regardless of the provisions of this policy.

7. How to submit a request

7.1. Write to [email protected] with the subject “Refund request” and state:

• the name and email used for the purchase;
• the date of purchase and the order number;
• the ground: the Guarantee, no access, or another ground under the law;
• for the Guarantee: confirmation that the conditions of clause 2.2 were met (links to records on the Platform).

7.2. We reply within the periods stated in clauses 2.3–2.5.

8. Changes and contacts

8.1. We may change this policy for future purchases. Changes do not apply, without the Client’s consent, to a Client who entered into the agreement before they took effect, except for the correction of typos and changes needed to comply with the law.

8.2. Contacts: [email protected], TRENDMONEY ONLINE LLC, 8 The Green, Ste B, Dover, DE 19901, United States.