Refund Policy

At AI Insights Hub ("we," "us," "our," or the "Company"), we are committed to providing high-quality educational services and ensuring customer satisfaction. This Refund Policy explains the circumstances under which refunds are available for our courses, programs, and services. Please read this policy carefully before making any purchases.

1. General Refund Policy

1.1 Standard Refund Period

For most courses and educational programs, we offer a 14-day money-back guarantee from the date of purchase. To be eligible for a refund during this period, you must meet the following conditions:

• The refund request must be submitted within 14 calendar days of the purchase date
• You must not have completed more than 30% of the course content
• You must not have downloaded more than 50% of downloadable course materials
• You must not have received a certificate of completion for the course
• The course must not have been purchased during a special promotional period with modified refund terms

1.2 Refund Calculation

Approved refunds will be processed for the full purchase price paid, excluding any applicable transaction fees charged by payment processors. Refunds will be issued to the original payment method used for the purchase.

2. Course-Specific Refund Terms

Course Type	Refund Window	Conditions
Self-Paced Online Courses	14 days from purchase	Maximum 30% course completion
Live Instructor-Led Courses	7 days before course start date	Full refund; after start date, no refund
Course Bundles	14 days from purchase	No individual courses completed beyond 30%
Subscription Services	14 days from initial subscription	First-time subscribers only
Certification Programs	7 days from purchase	Before accessing core program materials

3. Non-Refundable Items and Services

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

• Completed Courses: Courses where you have completed more than 30% of the content or obtained a certificate of completion
• Downloadable Resources: Courses where you have downloaded more than 50% of available materials
• Special Promotions: Courses purchased during flash sales, discount promotions, or special offers (unless otherwise stated)
• Gift Purchases: Courses purchased as gifts for other users once the gift code has been redeemed
• Third-Party Certifications: Fees paid for third-party examination or certification services
• Physical Materials: Shipped books, materials, or merchandise (unless defective)
• Subscription Renewals: Automatic subscription renewals after the initial subscription period
• Custom or Private Training: Custom-designed courses or private training sessions (unless cancelled 14 days before scheduled start)
• Add-On Services: Coaching, mentorship, or consultation services once rendered

4. Subscription Services

4.1 Initial Subscription Period

First-time subscribers to our subscription services may request a full refund within 14 days of the initial subscription purchase, provided they have not accessed more than 30% of available content across all courses.

4.2 Subscription Renewals

Subscription renewals are non-refundable. You may cancel your subscription at any time to prevent future charges, but refunds will not be provided for the current subscription period.

4.3 Cancellation

To cancel your subscription, you must do so at least 24 hours before the next billing cycle. Upon cancellation, you will retain access to subscription content until the end of your current billing period.

5. Refund Request Process

5.1 How to Request a Refund

To request a refund, follow these steps:

1. Submit a Request: Contact us via email at [email protected] or call +1 838-428-2659 with "Refund Request" in the subject line
2. Provide Information: Include your full name, email address associated with your account, order number, course name, purchase date, and reason for the refund request
3. Wait for Review: Our team will review your request within 3-5 business days
4. Receive Notification: You will be notified via email about the approval or denial of your refund request
5. Refund Processing: Approved refunds will be processed within 7-10 business days

5.2 Required Information

All refund requests must include:

• Full name and email address associated with the purchase
• Order number or transaction ID
• Name of the course or service purchased
• Date of purchase
• Detailed reason for the refund request
• Confirmation that you meet the eligibility criteria outlined in this policy

5.3 Review Process

All refund requests are reviewed on a case-by-case basis. We reserve the right to request additional information or verification before processing a refund. We may also check course completion statistics and material download records to verify eligibility.

6. Refund Processing Time

Once your refund is approved:

• Credit/Debit Cards: Refunds typically appear within 7-10 business days
• PayPal: Refunds typically appear within 3-5 business days
• Bank Transfers: Refunds may take up to 14 business days depending on your bank
• Other Payment Methods: Processing times vary depending on the payment provider

Please note that we cannot expedite refund processing times as they depend on financial institutions and payment processors.

7. Special Circumstances

7.1 Technical Issues

If you experience technical difficulties that prevent you from accessing course content, please contact our technical support team before requesting a refund. We will make reasonable efforts to resolve technical issues. If issues cannot be resolved, a refund may be granted at our discretion.

7.2 Course Cancellation by AI Insights Hub

If we cancel a course or program before its scheduled start date, you will receive a full refund of the purchase price or the option to transfer to another course of equal value.

7.3 Medical or Emergency Circumstances

In cases of documented medical emergencies, military deployment, or other extraordinary circumstances, we may consider refund requests on a case-by-case basis, even outside the standard refund window. Supporting documentation must be provided.

7.4 Defective or Incorrect Products

If you receive a defective product or the wrong course, please contact us immediately. We will either replace the item or provide a full refund at no additional cost to you.

8. Denied Refund Requests

Refund requests may be denied for the following reasons:

• Request submitted after the applicable refund period
• Course completion exceeds 30% of content
• More than 50% of downloadable materials have been accessed
• Certificate of completion has been issued
• The item or service is listed as non-refundable
• Previous refund requests have been granted for the same user (abuse prevention)
• Violation of our Terms and Conditions
• Insufficient or false information provided in the refund request

9. Chargebacks

10. Course Transfers and Credits

10.1 Course Transfer Policy

In lieu of a refund, you may request to transfer your enrollment to a different course of equal or lesser value within 14 days of purchase, subject to the following conditions:

• You have not completed more than 15% of the original course
• The transfer request is made within 14 days of the original purchase
• One transfer per purchase is permitted
• If transferring to a higher-priced course, you must pay the difference

10.2 Account Credits

In certain circumstances, we may offer account credits instead of refunds. These credits can be applied to future purchases and typically do not expire. Credit terms will be communicated at the time of issuance.

11. Group Purchases and Corporate Accounts

Refund policies for group purchases, corporate licenses, or enterprise accounts may differ from individual policies. These arrangements are typically governed by separate agreements. Please contact our sales team for specific refund terms applicable to group or corporate purchases.

12. International Purchases

This Refund Policy applies to all purchases regardless of location. However, please note:

• Refunds are processed in U.S. dollars (USD)
• Currency conversion rates at the time of refund may differ from purchase rates
• International transaction fees charged by your bank or payment provider are non-refundable
• Processing times for international refunds may be longer

13. Changes to This Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the updated policy. We encourage you to review this policy periodically.

For purchases made before policy changes, the refund policy in effect at the time of purchase will apply.

14. Customer Satisfaction Commitment

15. Contact Information

Thank you for choosing AI Insights Hub for your educational needs. We appreciate your business and are committed to providing you with high-quality learning experiences.