Refund Policy

1. Overview

At FinanceCare UK, we strive to provide exceptional educational services and ensure student satisfaction. This Refund Policy outlines the circumstances under which refunds may be issued for our financial consulting courses and certification programs.

This policy applies to all courses offered through our website https://financecare.uk/ and complies with UK consumer protection laws, including the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 and the Consumer Rights Act 2015.

2. Cooling-Off Period (14-Day Right to Cancel)

2.1 Consumer Right to Cancel

Under UK consumer protection law, you have a statutory right to cancel your course enrollment within 14 days of purchase without providing any reason. This "cooling-off period" begins on the date of enrollment confirmation.

2.2 How to Exercise Your Right to Cancel

To cancel within the cooling-off period:

1. Send a clear written statement to: [email protected]
2. Include your full name, enrollment date, course name, and order number
3. State your intention to cancel the enrollment

You may use our cancellation form template or write your own notice. The cancellation is effective from the date you send the notice.

2.3 Full Refund Conditions

You will receive a 100% refund if:

• You cancel within 14 days of enrollment
• You have NOT accessed course materials or commenced the course
• You have NOT attended any live sessions or workshops

2.4 Partial Refund or No Refund

If you cancel within 14 days BUT have already accessed course materials or attended sessions:

• You will receive a partial refund proportionate to the services not yet provided
• We will deduct the value of services already received based on the course duration and content accessed

2.5 Express Consent and Loss of Cancellation Right

By accepting our Terms at enrollment, you expressly agree that course delivery may begin immediately. Once you commence accessing course materials, you acknowledge that your right to cancel may be modified as described above.

3. Refund Eligibility Beyond the Cooling-Off Period

3.1 General Policy

After the 14-day cooling-off period, course fees are generally non-refundable. However, we recognize that exceptional circumstances may arise, and we evaluate refund requests on a case-by-case basis.

3.2 Exceptional Circumstances

Refund requests may be considered for genuine exceptional circumstances, including but not limited to:

• Serious illness or injury: Preventing course completion (medical documentation required)
• Family bereavement: Death of an immediate family member (documentation required)
• Relocation: Unavoidable employment-related relocation affecting course access
• Course cancellation: If we cancel a course or significantly change course content
• Technical issues: Persistent technical problems on our end preventing course access

3.3 Refund Calculation for Exceptional Circumstances

If a refund is approved for exceptional circumstances:

Note: Refund percentages are calculated on the remaining course value, not the total fee paid, and are reduced by any administrative costs (typically £50).

4. Non-Refundable Circumstances

4.1 No Refund Situations

Refunds will NOT be issued in the following circumstances:

• Change of mind after accessing course materials (beyond the 14-day period)
• Failure to complete the course due to lack of time or effort
• Disagreement with course content, teaching methods, or instructors (unless content fundamentally differs from description)
• Failure to achieve desired grades or certification
• Inability to meet course prerequisites discovered after enrollment
• Employment changes or career direction changes
• Dissatisfaction with job prospects or career outcomes
• Account termination due to Terms and Conditions violations
• Expulsion for academic dishonesty or misconduct
• After certificate issuance or course completion

4.2 Partial Course Completion

No refunds are available for partially completed courses unless:

• We are unable to provide the remaining course content as promised
• Exceptional circumstances (as defined in Section 3.2) are approved

5. Course-Specific Refund Terms

5.1 Foundation Certificate (12-Week Program)

• Full refund: Within 14 days if no content accessed
• Partial refund: Within 14 days proportionate to content not accessed
• After 14 days: Exceptional circumstances only, subject to Section 3.3

5.2 Advanced Certification (20-Week Program)

• Full refund: Within 14 days if no content accessed
• Partial refund: Within 14 days proportionate to content not accessed
• After 14 days: Exceptional circumstances only, subject to Section 3.3
• Live workshops: No refund for attended workshops

5.3 Executive Program (16-Week Program)

• Full refund: Within 14 days if no content accessed and no mentorship sessions attended
• Partial refund: Within 14 days proportionate to content not accessed
• After 14 days: Exceptional circumstances only, subject to Section 3.3
• Mentorship sessions: No refund for completed one-on-one mentorship sessions

6. Payment Plan Refunds

6.1 Installment Payments

If you enrolled via a payment plan:

• The 14-day cooling-off period still applies
• If cancellation is approved, refunds apply only to payments already made
• You remain responsible for any agreed installments due up to the cancellation date
• Future installments will be cancelled upon approved refund

6.2 Missed Installment Payments

If you stop making installment payments without formally withdrawing:

• Your account may be suspended after 14 days
• You remain liable for the full outstanding balance
• No refund is available for payments already made
• Collection procedures may be initiated

7. Course Cancellation by FinanceCare UK

7.1 Course Cancellation

If we cancel a course before it commences, you will receive a 100% refund of all fees paid. Alternatively, we may offer:

• Transfer to the next available course session
• Transfer to an equivalent alternative course
• Course credit valid for 12 months

7.2 Significant Course Changes

If we make significant changes to course content, structure, or delivery that materially affect your enrollment decision:

• We will notify you of changes at least 14 days in advance
• You may withdraw and receive a full refund
• Minor curriculum updates do not constitute significant changes

7.3 Instructor Changes

Changes in instructors do not qualify for refunds, as we ensure all instructors meet our quality standards.

8. Technical Issues and Access Problems

8.1 Platform Technical Issues

If persistent technical problems on our end prevent you from accessing course materials:

• Report issues immediately via [email protected]
• We will work to resolve technical issues within 48 hours
• If issues remain unresolved for more than 7 days, you may request a refund
• Refund amount will be proportionate to the access period affected

8.2 Student Technical Issues

Technical issues on your end (internet connectivity, incompatible devices, etc.) do not qualify for refunds. We provide system requirements before enrollment, and students are responsible for ensuring compatibility.

9. Refund Request Process

9.1 How to Request a Refund

9.2 Required Documentation

For exceptional circumstances refund requests, you must provide:

• Medical issues: Doctor's letter or medical certificate
• Bereavement: Death certificate or funeral notice
• Relocation: Employment contract or relocation documentation
• Other circumstances: Relevant supporting evidence

9.3 Review Process

Our refund review committee evaluates each request based on:

• Date of enrollment and cancellation request
• Extent of course materials accessed
• Participation in live sessions or workshops
• Reason for refund request and supporting documentation
• Compliance with Terms and Conditions
• Payment history

9.4 Appeal Process

If your refund request is denied, you may appeal by:

• Submitting additional documentation or clarification
• Requesting a review by a senior manager
• Explaining any mitigating circumstances

Appeals must be submitted within 14 days of the initial decision. Appeal decisions are final.

10. Refund Method and Timeline

10.1 Refund Method

Refunds are issued to the original payment method used for enrollment:

• Credit/Debit Card: Refunded to the original card
• Bank Transfer: Returned to the originating account
• Payment Plan: Refund of completed payments only

10.2 Processing Timeline

10.3 Administrative Fees

A £50 administrative fee may be deducted from refunds (except statutory 14-day cancellations with no course access) to cover:

• Payment processing fees (non-refundable to us)
• Administrative costs
• Platform access costs

11. Course Transfers and Credits

11.1 Course Transfer Option

Instead of a refund, you may request to transfer to:

• A different course (subject to price differences)
• A future session of the same course
• An equivalent program

11.2 Transfer Conditions

• Transfers must be requested within 30 days of enrollment
• Maximum of one transfer per enrollment
• Transfer must be completed within 12 months
• Price differences must be paid before transfer completion
• No refund if you don't complete the transferred course

11.3 Course Credits

In some circumstances, we may offer course credits instead of refunds:

• Credits can be applied to future course enrollments
• Credits are valid for 12 months from issuance
• Credits are non-transferable and non-refundable
• Unused credits expire without refund

12. Promotional and Discounted Enrollments

12.1 Discounted Course Refunds

If you enrolled using a promotional discount or coupon code:

• Refunds are calculated based on the actual amount paid
• The discount or promotional offer cannot be reapplied if you re-enroll
• All other refund policy terms apply

12.2 Bundle or Package Deals

If you purchased multiple courses as a bundle:

• Refunds for individual courses are calculated at standard (non-bundle) rates
• Cancelling one course from a bundle forfeits the bundle discount
• You will be charged the difference between bundle and individual pricing

13. Force Majeure and Extraordinary Circumstances

13.1 Force Majeure Events

In case of force majeure events (pandemics, natural disasters, war, etc.) that prevent course delivery:

• We will attempt to deliver courses through alternative means
• Course extensions may be offered without additional cost
• If alternative delivery is not possible, refunds will be provided proportionate to undelivered content

13.2 Service Disruptions

For extended service disruptions beyond our control:

• Access periods may be extended
• Partial refunds may be offered for significantly affected periods
• Transfer options to future sessions may be provided

14. Complaints and Disputes

14.1 Complaint Procedure

If you're dissatisfied with our refund decision:

1. Contact our Customer Service Team: [email protected]
2. Escalate to Management if not resolved: [email protected]
3. Request formal review by submitting a written complaint

14.2 Alternative Dispute Resolution

For unresolved disputes, you may contact:

• Citizens Advice Consumer Service: 0808 223 1133
• Online Dispute Resolution Platform: ec.europa.eu/consumers/odr/

14.3 Legal Action

This Refund Policy does not affect your statutory rights under UK consumer law. You retain the right to pursue legal remedies if you believe we have breached our obligations.

15. Policy Updates

We reserve the right to update this Refund Policy at any time. Changes will:

• Be posted on our website with a new "Last Updated" date
• Apply to enrollments made after the update date
• Not affect existing enrollments, which remain subject to the policy in effect at enrollment

We encourage you to review this policy before each enrollment.

16. Contact Information

This Refund Policy is part of our Terms and Conditions and should be read in conjunction with our Privacy Policy. By enrolling in any FinanceCare UK course, you acknowledge that you have read, understood, and agree to this Refund Policy.

Last Updated: January 1, 2025
Effective Date: January 1, 2025