Refund Policy

At World Liberty Financial, we are committed to providing high-quality educational content and ensuring customer satisfaction. This Refund Policy outlines the terms and conditions for requesting refunds on course purchases and explains your rights as a customer.

1. General Refund Policy

World Liberty Financial offers a 30-Day Money-Back Guarantee on all course purchases, subject to the terms and conditions set forth in this policy. We want you to be satisfied with your learning experience, and we stand behind the quality of our educational content.

1.1 Eligibility Requirements

To be eligible for a refund, you must meet ALL of the following criteria:

• You must request the refund within 30 calendar days of the original purchase date
• You have completed less than 30% of the course content
• You have not downloaded or accessed course materials extensively
• You have not received a certificate of completion
• This is your first refund request for this specific course
• Your account is in good standing with no violations of our Terms and Conditions
• You purchased the course directly from World Liberty Financial (not through third-party platforms)

1.2 Refund Timeframe Table

Days Since Purchase	Course Completion	Refund Eligibility
0-30 days	Less than 30%	Full refund available
0-30 days	30% or more	No refund available
31+ days	Any completion	No refund available

2. How to Request a Refund

2.1 Refund Request Process

To request a refund, follow these steps:

1. Contact Our Support Team: Email us at [email protected] with the subject line "Refund Request"
2. Provide Required Information:
   • Your full name and email address associated with your account
   • Order number or transaction ID
   • Course name(s) for which you're requesting a refund
   • Date of purchase
   • Reason for refund request (optional but helpful)
3. Wait for Confirmation: Our team will review your request within 3-5 business days
4. Receive Decision: You will receive an email notification regarding the approval or denial of your refund request

2.2 Processing Time

Once your refund is approved:

• Review Period: 3-5 business days to review your request
• Processing Period: 5-7 business days to process the refund
• Bank Processing: Additional 5-10 business days for your financial institution to credit your account
• Total Timeline: Approximately 2-3 weeks from approval to seeing funds in your account

Refunds will be issued to the original payment method used for purchase. If the original payment method is no longer available, please contact us to arrange an alternative refund method.

3. Circumstances Where Refunds Are NOT Available

4. Special Purchase Types

4.1 Bundle Purchases

If you purchased a bundle or package of multiple courses:

• The entire bundle must meet the refund eligibility criteria
• You cannot request a refund for individual courses within a bundle
• If you've accessed multiple courses in the bundle, refund eligibility is determined by the course with the highest completion percentage
• Bundle refunds must be requested for the entire package

4.2 Promotional and Discounted Purchases

Courses purchased during promotional periods or with discount codes:

• Are subject to different refund terms, which will be clearly stated at the time of purchase
• May have a reduced refund window (e.g., 14 days instead of 30 days)
• May be eligible for partial refunds only
• May be non-refundable for deeply discounted promotions (70% off or more)

4.3 Subscription Services

If you purchase a subscription-based access plan:

• You may cancel your subscription at any time
• Refunds for current billing periods are subject to this refund policy
• No refunds will be issued for previous billing periods
• Cancellation takes effect at the end of the current billing cycle
• You retain access to content until the end of the paid period

4.4 Gift Purchases

For courses purchased as gifts:

• Refund requests must be made by the original purchaser
• The same refund policy terms apply
• If the recipient has already accessed the course extensively, refunds may be denied
• Gift certificates or gift codes are non-refundable once delivered

5. Partial Refunds

In certain circumstances, we may offer partial refunds at our sole discretion:

5.1 Partial Refund Scenarios

• Technical Issues: If you experienced significant technical issues that impacted your learning, we may offer a partial refund after attempting to resolve the issues
• Course Updates: If a course was significantly updated or changed after your purchase in a way that substantially altered the content
• Exceptional Circumstances: In cases of documented personal emergencies or extraordinary situations (medical, family emergencies, etc.)

5.2 Partial Refund Amounts

When partial refunds are granted:

• The refund amount will be proportional to the unused portion of the course
• A processing fee may be deducted (typically 10-15% of the purchase price)
• The decision is final and at the sole discretion of World Liberty Financial

6. Non-Refundable Items and Services

7. Fraudulent Activity and Abuse

7.1 Abuse of Refund Policy

We reserve the right to refuse refunds and terminate accounts if we detect:

• Repeated patterns of purchasing and refunding courses
• Downloading or copying course materials before requesting refunds
• Completing courses or obtaining certificates before requesting refunds
• Using multiple accounts to circumvent refund limitations
• Providing false information in refund requests
• Chargebacks or payment disputes without first contacting our support team

7.2 Consequences of Abuse

If we determine that refund abuse has occurred:

• Your refund request will be denied
• Your account may be permanently suspended
• You may be prohibited from making future purchases
• We may pursue legal action for fraud or breach of contract
• We may report fraudulent activity to relevant authorities

8. Chargebacks and Payment Disputes

8.1 Contact Us First

Before initiating a chargeback or payment dispute with your financial institution, you must:

• Contact our customer support team at [email protected]
• Allow us reasonable time (3-5 business days) to investigate and resolve your concern
• Provide all relevant information about your issue

8.2 Chargeback Consequences

If you initiate a chargeback without first contacting us:

• Your account will be immediately suspended
• You will lose access to all purchased courses and materials
• We reserve the right to dispute the chargeback with evidence of service delivery
• You may be responsible for chargeback fees and legal costs
• You may be prohibited from making future purchases

8.3 Chargeback Fees

If a chargeback is found to be unjustified:

• You may be charged a chargeback processing fee (typically $25-$50)
• You will be required to pay the original course fee plus any applicable fees
• Legal action may be taken to recover costs

9. Technical Issues and Support

9.1 Technical Support Obligation

Before requesting a refund due to technical issues, you must:

• Contact our technical support team with detailed information about the issue
• Allow us reasonable opportunity to resolve the problem
• Follow troubleshooting steps provided by our support team
• Try accessing the course from different devices or browsers if applicable
• Verify that your internet connection and device meet minimum requirements

9.2 System Requirements

Refunds will not be granted if technical issues are caused by:

• Your device not meeting published minimum system requirements
• Internet connectivity issues on your end
• Outdated browsers or operating systems
• Ad-blockers, VPNs, or other software interfering with course access
• Issues beyond our reasonable control

10. Course Content and Expectations

10.1 Content Descriptions

We provide detailed course descriptions, syllabi, and preview content to help you make informed decisions. Refunds will not be granted based on:

• Subjective opinions about teaching style or content quality
• Difficulty level being different than expected (unless misrepresented)
• Course not meeting personal learning preferences
• Changes in personal circumstances or availability
• Lack of prerequisite knowledge (when prerequisites are clearly stated)

10.2 Course Updates and Changes

We continuously update courses to improve quality and relevance:

• Minor updates and improvements do not qualify for refunds
• Major changes that fundamentally alter the course may qualify for partial refunds
• We will notify students of significant course changes
• Updated content is typically an enhancement, not grounds for refund

11. Exceptions and Special Circumstances

11.1 Documented Emergencies

In cases of documented personal emergencies (medical, family, military deployment, etc.), we may:

• Extend the refund window beyond 30 days
• Offer partial refunds for partially completed courses
• Provide account freezing options instead of refunds
• Offer course credit for future use

Documentation may be required (medical certificates, military orders, etc.), and all decisions are at our sole discretion.

11.2 Course Discontinuation

If we discontinue a course:

• You will retain access for a reasonable period (typically 90 days minimum)
• We may offer alternative courses or credit toward other courses
• Refunds may be available if discontinuation occurs within 30 days of purchase
• We will provide advance notice when possible

12. International Purchases

12.1 Currency Conversion

For international purchases:

• Refunds will be issued in USD (United States Dollars)
• Currency conversion rates may result in differences from the original amount paid
• We are not responsible for currency exchange rate fluctuations
• Your financial institution may charge currency conversion fees

12.2 Regional Restrictions

Some regions may have different consumer protection laws:

• Where local laws provide greater rights, those laws will apply
• We comply with EU consumer protection regulations for EU customers
• Australian consumers have rights under Australian Consumer Law
• Regional variations will be clearly communicated at purchase

13. Alternatives to Refunds

Instead of requesting a refund, consider these alternatives:

13.1 Account Freeze

• Temporarily suspend your learning while maintaining future access
• Resume when your circumstances change
• No refund necessary

13.2 Course Transfer

• Transfer your enrollment to a different course (subject to price differences)
• One-time transfer available within 30 days of purchase
• Administrative fee may apply

13.3 Course Credit

• Receive credit toward future course purchases
• Credit remains valid for 12 months
• Non-transferable and non-refundable

13.4 Extended Access

• Request extended access time if you couldn't complete the course
• Available in special circumstances
• Subject to approval

14. Refund Policy Updates

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

• Be posted on our website with an updated "Last Modified" date
• Apply to purchases made after the update date
• Not affect refund eligibility for purchases made before the update
• Be communicated via email for material changes

We encourage you to review this policy periodically to stay informed of any changes.

15. Contact Information for Refund Requests

16. Related Policies

This Refund Policy should be read in conjunction with:

• Terms and Conditions - Governs your use of our services
• Privacy Policy - Explains how we handle your personal information

In case of conflict between this Refund Policy and our Terms and Conditions, the Terms and Conditions shall prevail.

© 2025 World Liberty Financial. All rights reserved.
This Refund Policy is part of our Terms and Conditions and is legally binding. By making a purchase, you acknowledge that you have read, understood, and agree to this Refund Policy.