Refund Policy

1. Overview

At Finstoraz, we are committed to providing high-quality financial education services. We understand that circumstances may arise where you need to cancel or request a refund for your course enrollment.

This refund policy outlines the terms and conditions for refunds, cancellations, and course transfers. By enrolling in our courses, you agree to these refund terms.

2. General Refund Policy

Our refund policy is designed to be fair and transparent while protecting the quality of our educational services. We offer the following refund options:

2.1 Full Refund (100%)

A full refund may be granted in the following circumstances:

• Course cancellation by Finstoraz due to insufficient enrollment or instructor unavailability
• Technical issues preventing course access that cannot be resolved within 48 hours
• Course content significantly differs from what was advertised
• Medical emergency or serious illness preventing course participation (with documentation)
• Death of immediate family member (with documentation)

2.2 Partial Refund (50-75%)

A partial refund may be granted in the following circumstances:

• Course cancellation within 7 days of the start date
• Course cancellation within 14 days of the start date (50% refund)
• Course cancellation due to scheduling conflicts (with advance notice)

2.3 No Refund

No refund will be provided in the following circumstances:

• Course cancellation after 14 days from the start date
• Course completion or substantial participation (more than 25% of course content)
• Failure to attend scheduled sessions without prior notice
• Violation of our Terms of Service
• Change of mind after course commencement

3. Refund Request Process

To request a refund, you must follow these steps:

3.1 Submit Refund Request

• Contact our customer service team via email or phone
• Provide your full name and course enrollment details
• State the reason for your refund request
• Include any supporting documentation if applicable

3.2 Required Information

• Full name and contact information
• Course name and enrollment date
• Reason for refund request
• Supporting documentation (medical certificates, etc.)
• Preferred refund method

3.3 Review Process

All refund requests will be reviewed by our management team within 5-7 business days. We may request additional information or documentation to process your request.

4. Refund Processing Time

Once your refund request is approved, refunds will be processed according to the following timeline:

4.1 Processing Timeline

• Credit Card Refunds: 5-10 business days
• Bank Transfer Refunds: 7-14 business days
• PayPal Refunds: 3-5 business days
• Check Refunds: 10-15 business days

4.2 Factors Affecting Processing Time

• Your bank's processing time
• Payment method used
• International transfer requirements
• Banking holidays and weekends

5. Course Transfer Policy

Instead of a refund, you may be eligible for a course transfer in the following circumstances:

5.1 Transfer Eligibility

• Course cancellation within 7 days of start date
• Schedule conflicts with other commitments
• Change in learning goals or course preferences
• Technical issues preventing course access

5.2 Transfer Terms

• Transfer must be to a course of equal or lesser value
• Transfer must be completed within 6 months of original enrollment
• Only one transfer per enrollment is allowed
• Course transfer fees may apply

6. Special Circumstances

We understand that life can present unexpected challenges. Special consideration may be given in the following situations:

6.1 Medical Emergencies

If you experience a serious medical emergency that prevents course participation, we may offer a full refund or course transfer. Medical documentation will be required.

6.2 Family Emergencies

In cases of serious family emergencies (death, serious illness), we may offer compassionate refunds or course transfers. Documentation may be required.

6.3 Military Service

Active duty military personnel who are deployed or transferred may be eligible for full refunds or course transfers.

6.4 Natural Disasters

In cases of natural disasters or other force majeure events, we will work with affected students to provide appropriate accommodations.

7. Non-Refundable Items

The following items and services are non-refundable:

• Course materials and resources already accessed
• One-on-one consultation sessions already completed
• Certification fees and processing costs
• Administrative fees and processing charges
• Course materials and physical resources shipped

8. Dispute Resolution

If you disagree with a refund decision, you may appeal the decision through our dispute resolution process:

8.1 Appeal Process

• Submit a written appeal within 30 days of the refund decision
• Include all relevant information and documentation
• Appeal will be reviewed by senior management
• Decision will be communicated within 10 business days

8.2 External Dispute Resolution

If internal resolution is not successful, you may contact relevant consumer protection agencies or seek legal counsel as appropriate under Singapore law.

9. Contact Information for Refunds

To request a refund or discuss refund options, please contact us:

Please include "Refund Request" in your email subject line for faster processing.

10. Policy Updates

We reserve the right to update this refund policy at any time. Changes will be effective immediately upon posting on our website. We will notify enrolled students of any material changes to the refund policy.

Your refund eligibility will be determined based on the policy in effect at the time of your enrollment.

11. Compliance with Singapore Consumer Laws

This refund policy is designed to comply with applicable Singapore consumer protection laws and regulations, including:

• Consumer Protection (Fair Trading) Act
• Personal Data Protection Act (PDPA)
• Electronic Transactions Act
• Other relevant consumer protection regulations

We are committed to operating in compliance with all applicable laws and regulations.