Refund Policy

This Refund Policy outlines the terms and conditions for requesting refunds for educational programs and services purchased from NeuralEdge Insights ("we," "us," "our," or "Company"). Please read this policy carefully before enrolling in any of our programs.

1. General Refund Principles

At NeuralEdge Insights, we are committed to providing high-quality educational experiences. We understand that circumstances may change, and we have established this Refund Policy to address various situations fairly and transparently.

Our refund policy is designed to:

• Provide clear guidelines for refund eligibility
• Protect both student and institutional interests
• Ensure fair treatment for all parties
• Comply with applicable consumer protection laws

2. Standard Refund Periods

2.1 Full Refund Period (7-Day Money-Back Guarantee)

For most educational programs, you may request a full refund within seven (7) days of your enrollment date, provided that:

• The request is made within seven (7) calendar days of the enrollment date
• You have accessed less than 20% of the course materials
• You have not completed or submitted any graded assessments
• You have not received any certificates or credentials

2.2 Partial Refund Period (Days 8-14)

Between days 8 and 14 after enrollment, you may be eligible for a partial refund calculated as follows:

Days Since Enrollment	Refund Percentage
8-10 days	75% of program fee
11-14 days	50% of program fee

Partial refunds are subject to the following conditions:

• You have accessed less than 40% of the course materials
• You have not received any certificates or credentials
• No administrative or processing fees will be refunded

2.3 No Refund Period (After 14 Days)

After fourteen (14) days from enrollment, no refunds will be provided except in cases of:

• Program cancellation by NeuralEdge Insights
• Documented technical issues preventing course access (as determined by our technical team)
• Exceptional circumstances approved on a case-by-case basis at our sole discretion

3. Program-Specific Refund Policies

3.1 Short Courses and Workshops (Duration: Less than 4 Weeks)

For short-duration programs:

• Full refund available within 48 hours of enrollment if no content has been accessed
• After 48 hours: 50% refund available if less than 25% of content accessed
• No refunds after program completion or certificate issuance

3.2 Standard Courses (Duration: 4-12 Weeks)

Standard courses follow the general refund timeline outlined in Section 2.

3.3 Extended Programs (Duration: More than 12 Weeks)

For extended programs:

• 7-day full refund period applies
• Days 8-21: 75% refund available
• Days 22-30: 50% refund available
• After 30 days: No refund except in exceptional circumstances

3.4 Subscription-Based Services

For monthly or annual subscription services:

• Monthly subscriptions: Refund available within 7 days of initial purchase; no refunds for renewal charges
• Annual subscriptions: Pro-rated refund available within 30 days of purchase; after 30 days, no refunds for unused time
• Cancellation takes effect at the end of the current billing period

3.5 Free Trials and Promotional Offers

Services accessed through free trials or promotional offers are not eligible for refunds. If you upgrade from a free trial to a paid subscription, standard refund policies apply from the date of the paid subscription.

4. Non-Refundable Items and Services

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

• Administrative Fees: Application fees, processing fees, or enrollment fees (typically $25-$50)
• Certificates and Credentials: Once issued, certificate fees are non-refundable
• Completed Programs: Programs you have fully completed or for which you have received a certificate
• Digital Downloads: E-books, downloadable resources, or software licenses once accessed
• Third-Party Services: Services provided by third-party vendors or partners
• Consultation Services: One-on-one consultation sessions once scheduled or completed
• Event Tickets: Tickets to webinars, conferences, or events within 48 hours of the event
• Bundled Discounts: The discount portion of bundled program packages

5. Special Circumstances

5.1 Medical or Personal Emergencies

We understand that unexpected circumstances may arise. In cases of documented medical emergencies or significant personal hardships, we may offer:

• Extended access to course materials (program pause)
• Transfer to a future program session
• Partial refund consideration on a case-by-case basis

Documentation such as medical certificates or official records may be required.

5.2 Military Deployment

Active military personnel who receive deployment orders may be eligible for:

• Full refund regardless of program progress
• Option to defer enrollment to a future session
• Extended access period upon return from deployment

Official deployment orders must be provided.

5.3 Technical Issues

If you experience persistent technical problems preventing access to course materials:

• Contact our technical support team immediately
• Allow reasonable time (typically 5-7 business days) for issue resolution
• If issues cannot be resolved, a full or partial refund may be granted
• Refund decisions based on technical issues are at our sole discretion

5.4 Program Cancellation by NeuralEdge Insights

If we cancel a program for any reason:

• You will receive a full refund of all fees paid
• Refund processed within 10 business days
• Option to transfer to an equivalent program at no additional cost

6. Refund Request Process

6.1 How to Request a Refund

To request a refund, follow these steps:

1. Submit Written Request: Email [email protected] with "Refund Request" in the subject line
2. Include Required Information:
   • Full name and email address used for enrollment
   • Program name and enrollment date
   • Order or transaction number
   • Reason for refund request
   • Supporting documentation (if applicable)
3. Await Response: We will acknowledge receipt within 2 business days
4. Review Process: Requests are typically reviewed within 5-7 business days
5. Receive Decision: You will be notified of the decision via email

6.2 Processing Timeline

• Approval Notification: Within 7 business days of request submission
• Refund Processing: Within 10 business days of approval
• Credit Card Refunds: 5-10 business days to appear on your statement
• PayPal Refunds: 1-3 business days
• Bank Transfer Refunds: 7-14 business days

6.3 Required Documentation

Depending on the reason for your refund request, you may need to provide:

• Proof of purchase or enrollment confirmation
• Screenshots of technical issues (for technical problems)
• Medical documentation (for medical emergencies)
• Official orders (for military deployment)
• Any other relevant supporting documentation

7. Refund Method

Refunds will be processed using the original payment method unless otherwise agreed upon:

• Credit/Debit Card: Refunded to the original card used for purchase
• PayPal: Refunded to the PayPal account used for purchase
• Bank Transfer: Refunded to the originating bank account
• Alternative Methods: In some cases, we may offer credit toward future programs as an alternative to cash refunds

Please note that:

• Refunds cannot be issued to a different payment method than originally used
• Processing fees charged by payment processors are non-refundable
• Currency exchange rate differences may result in slight variations in refund amounts

8. Denied Refund Requests

Refund requests may be denied if:

• The request is submitted outside the eligible refund period
• You have accessed more than the allowed percentage of course materials
• You have completed the program or received a certificate
• The request is for non-refundable items or services
• You have violated our Terms and Conditions
• There is evidence of abuse of the refund policy
• Required documentation is not provided within the requested timeframe

8.1 Appeal Process

If your refund request is denied and you believe the decision was made in error:

1. You may submit an appeal within 14 days of the denial notification
2. Appeals should include additional documentation or information supporting your request
3. Appeals are reviewed by senior management
4. Appeal decisions are final and not subject to further review

9. Chargebacks and Disputes

We encourage you to contact us directly to resolve any payment disputes before initiating a chargeback with your financial institution. If you initiate a chargeback:

• Your account will be immediately suspended pending resolution
• Access to all course materials and services will be revoked
• We reserve the right to pursue collection of legitimately owed fees
• Administrative fees may be applied to cover chargeback processing costs
• False or fraudulent chargeback claims may result in legal action

If the chargeback is resolved in our favor, access may be restored. However, repeated chargeback attempts may result in permanent account termination.

10. Promotional and Discounted Enrollments

For programs purchased at promotional or discounted rates:

• Refunds are calculated based on the amount actually paid, not the original price
• Promotional offers may have modified refund terms specified at the time of purchase
• Group discount refunds are subject to the group purchase agreement terms
• Scholarship recipients are subject to specific scholarship refund policies

11. International Students and Currency Considerations

For international students:

• Refunds are processed in the original currency of purchase
• Exchange rate fluctuations may affect the final refunded amount
• International transaction fees are non-refundable
• Additional processing time may be required for international refunds
• Local taxes or duties are the responsibility of the student

12. Tax Implications

Please note:

• Refunds may have tax implications depending on your jurisdiction
• We recommend consulting with a tax professional regarding refund reporting
• Adjusted tax documentation will be provided for refunded amounts if applicable
• We are not responsible for tax advice or consequences related to refunds

13. Policy Updates and Changes

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. Your continued enrollment or use of services after changes are posted constitutes acceptance of the modified policy.

However:

• The refund policy in effect at the time of your enrollment will govern your enrollment
• We will notify enrolled students of significant policy changes via email
• Changes will not retroactively affect existing enrollments unless legally required

14. Contact Information for Refund Inquiries

15. Consumer Protection Rights

This Refund Policy does not affect your statutory rights as a consumer. Depending on your location, you may have additional rights under consumer protection laws that cannot be waived by this policy. If any provision of this policy conflicts with applicable consumer protection laws, those laws will take precedence.

For consumers in the European Union, you may have the right to cancel within 14 days under the Consumer Rights Directive. For consumers in California, additional rights may apply under California consumer protection laws.

16. Acknowledgment

By enrolling in our programs or purchasing our services, you acknowledge that:

• You have read and understood this Refund Policy
• You agree to the terms and conditions outlined herein
• You understand the refund eligibility requirements and timelines
• You agree to follow the refund request process
• You accept that certain items and services are non-refundable

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