Refund Policy

1. Introduction

At FinWise USA, we are committed to ensuring your satisfaction with our digital products, courses, and services. This Refund Policy outlines the conditions under which we issue refunds for purchases made through our website at finwiseusa.com.

By purchasing any products or services from FinWise USA, you agree to the terms of this Refund Policy.

2. Digital Products and Courses

2.1 Eligibility for Refunds

We offer a 14-day money-back guarantee for our digital products and online courses. If you are not satisfied with your purchase, you may request a refund within 14 days of the purchase date, subject to the following conditions:

• For digital products (e-books, guides, templates): You must not have downloaded or accessed more than 30% of the content.
• For online courses: You must not have completed more than 25% of the course material.
• You must provide a valid reason for your refund request.

2.2 Ineligible for Refunds

The following purchases are not eligible for refunds:

• Products or courses marked as 'non-refundable' at the time of purchase
• Products or courses purchased as part of a bundle or promotion at a discounted rate
• Products or courses where you have accessed or completed more than the allowed percentage as stated above
• Products or courses purchased more than 14 days prior to the refund request

3. Subscription Services

3.1 Premium Content Subscriptions

For our premium content subscription services:

• Monthly subscriptions: You may cancel at any time. Once canceled, you will continue to have access until the end of your current billing period. No partial refunds are provided for unused portions of the current billing period.
• Annual subscriptions: You may request a prorated refund within 30 days of purchase. After 30 days, no refunds will be issued for the remaining portion of your subscription period.

3.2 Automatic Renewals

Our subscription services automatically renew unless canceled before the renewal date. You are responsible for canceling your subscription before the renewal date to avoid being charged for the next billing cycle. Refunds will not be issued for unwanted renewals if you failed to cancel your subscription before the renewal date.

4. Consulting Services

4.1 Cancellation Policy

For financial consulting services:

• Cancellations made more than 48 hours before a scheduled consultation: Full refund or rescheduling option available.
• Cancellations made less than 48 hours but more than 24 hours before a scheduled consultation: 50% refund or rescheduling option available.
• Cancellations made less than 24 hours before a scheduled consultation: No refund available, but a one-time rescheduling option may be offered at our discretion.

4.2 No-Shows

If you fail to attend a scheduled consultation without prior notice, no refund will be issued, and the consultation will be considered delivered.

5. Webinars and Events

5.1 Live Webinars

For paid live webinars:

• Cancellations made more than 7 days before the webinar: Full refund available.
• Cancellations made less than 7 days before the webinar: No refund available, but you will receive access to the webinar recording if available.

5.2 Recorded Webinars

Purchases of recorded webinars follow the same refund policy as our digital products (see Section 2).

6. How to Request a Refund

To request a refund, please contact our customer support team at support@finwiseusa.com with the following information:

• Your full name
• Email address used for the purchase
• Order number or transaction ID
• Product or service purchased
• Date of purchase
• Reason for requesting a refund

We will process your refund request within 5-7 business days of receiving all required information.

7. Refund Processing

7.1 Refund Method

Refunds will be issued using the same payment method used for the original purchase. If this is not possible for any reason, we will work with you to find an alternative refund method.

7.2 Processing Time

Once approved, refunds typically process within 5-7 business days. However, depending on your payment method and financial institution, it may take additional time for the refund to appear in your account.

7.3 Refund Amount

Unless otherwise specified, refunds will be for the full purchase amount, including any applicable taxes. Processing fees, if any, may not be refundable in some cases.

8. Exceptions and Special Circumstances

We understand that special circumstances may arise. If you have a unique situation that isn't covered by this policy, please contact our customer support team. We will review requests on a case-by-case basis and may make exceptions at our sole discretion.

In cases of technical issues that prevent you from accessing or using our products or services properly, please contact our technical support team at tech@finwiseusa.com before requesting a refund. We are committed to resolving technical issues promptly.

9. Fraudulent or Abusive Refund Requests

FinWise USA reserves the right to refuse refunds and/or terminate accounts of users who abuse our refund policy or make fraudulent refund claims. This includes, but is not limited to:

• Making excessive refund requests
• Requesting refunds after consuming the entirety or substantial portions of content
• Providing false information in refund requests
• Any other activity that suggests bad faith or abuse of our policies

10. Changes to This 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 following the posting of changes constitutes your acceptance of such changes.

This Refund Policy was last updated on the date listed at the top of this page. We encourage you to review this Refund Policy periodically for any changes.

11. Contact Us

If you have any questions about our Refund Policy, please contact us at:

FinWise USA
6 Leo Branch South Yasmine
KT6 5DX
Email: info@finwiseusa.com
Phone: +443392195219