Refund Policy
We understand that financial education is a significant investment. Our refund policy is designed to be fair and transparent, ensuring you feel confident about your commitment to learning effective budgeting strategies.
1Refund Eligibility Criteria
At ExcelOnTerminal, we believe in the value of our budgeting education programs. Refund eligibility is determined based on specific circumstances and timing requirements outlined below.
Early Withdrawal Period
Full refund available within 14 days of enrollment if you haven't accessed more than 25% of course materials or attended live sessions.
Technical Issues
Refunds considered if persistent technical problems prevent access to course content for more than 7 consecutive days despite our support efforts.
Medical Circumstances
Partial refunds may be available for documented medical situations that prevent course completion, evaluated case by case.
Course Cancellation
Full refund if we cancel a scheduled program due to insufficient enrollment or unforeseen circumstances beyond our control.
2Refund Request Process
To request a refund, please follow these steps carefully. Our team reviews each request individually to ensure fair treatment while maintaining program integrity.
Submit Written Request
Email [email protected] with your full name, enrollment details, and specific reason for requesting a refund. Include any supporting documentation.
Initial Review Period
Our team will acknowledge your request within 48 hours and begin evaluation. This process typically takes 5-7 business days for standard requests.
Decision Communication
You'll receive a detailed response explaining our decision, including any partial refund calculations or alternative solutions we can offer.
Processing & Payment
Approved refunds are processed within 10-14 business days via your original payment method. Bank processing times may add additional days.
3Payment Method Considerations
Refund processing times and methods vary depending on how you originally paid for your course. Here's what you can expect for different payment types.
- Credit card payments: 5-10 business days after approval, subject to your bank's processing schedule
- Debit card payments: 7-14 business days, may appear as separate transaction on your statement
- Bank transfers: 10-15 business days, will appear as credit from ExcelOnTerminal
- PayPal or digital wallets: 3-7 business days once processed through their systems
- Installment plans: Refunds calculated based on payments made minus any applicable processing fees
Important Payment Information
If your original payment method is no longer active, we'll work with you to arrange an alternative refund method. Processing fees charged by payment providers are typically non-refundable, and may be deducted from your refund amount depending on the circumstances.
4Non-Refundable Situations
While we strive to be accommodating, certain situations fall outside our refund policy. Understanding these limitations helps set appropriate expectations.
- Requests made after completing more than 75% of course content or attending multiple live sessions
- Refund requests submitted more than 30 days after program completion date
- Situations where course materials have been shared with unauthorized parties
- Personal schedule changes or life circumstances not related to medical emergencies
- Dissatisfaction with course difficulty level when prerequisites were clearly stated
- Technology requirements not met despite our published system specifications
- Promotional or discounted enrollments may have modified refund terms as specified during purchase
5Alternative Solutions
Sometimes a full refund isn't the best solution for everyone. We offer several alternatives that might better serve your needs while maintaining your learning investment.
Course Transfer
Move your enrollment to a different start date within the next 12 months if scheduling conflicts arise after enrollment.
Extended Access
Additional time to complete course materials if circumstances prevented normal progress through the program.
Partial Credit
Credit toward future courses if you need to withdraw but want to continue your financial education journey later.
6Policy Updates
This refund policy is effective as of January 2025 and may be updated periodically to reflect changes in our programs or legal requirements. Any modifications will be posted on our website with at least 30 days notice.
Students enrolled before policy changes will generally be covered under the terms active at their time of enrollment, unless changes are required by law or significantly benefit the student.
Questions About This Policy
If any part of this refund policy is unclear or if you have specific questions about your situation, please don't hesitate to contact our support team. We're here to help you understand your options and make the best decision for your educational goals.
Need Help With Your Refund?
Our support team is ready to assist you with any refund-related questions or to help you explore alternative solutions that might work better for your situation.