Refund Policy

Refund Policy

Thank you for choosing Summit Growth Academy. This Refund Policy explains how refund requests for credit purchases and e-learning materials are handled on this website.

By purchasing credits, unlocking e-learning materials or using our services, you agree to the terms set out below.

1. What This Policy Covers

Everything sold through [Company Name] is digital and delivered by email. This policy covers:

• Credits purchased with money, and any bonus credits included with a credit package
• E-learning materials and levels unlocked by spending credits
• Study materials, templates, worksheets, guides and reference resources supplied with a material

Because access details are sent by email as soon as payment is confirmed, the options for a refund are limited once that email has been sent. The delivery and access rules that every refund request is measured against are set out below, and in full in our Delivery & Access Policy.

2. Credit Purchases

• Credits are added to your account once your payment is confirmed
• Credits have no cash value outside this website and cannot be exchanged for cash
• Credits cannot be transferred, sold or shared between accounts
• Unused credits stay in your account, subject to any validity period shown at the time of purchase

Billing errors

• If you believe a payment was taken incorrectly, charged more than once, or made without your authorisation, please contact us within 7 days of the transaction
• Confirmed billing errors may qualify for correction, adjustment or a refund review

Bonus credits

• Bonus credits included with a package have no cash value
• Bonus credits are non-refundable and cannot be converted into a monetary refund
• If a credit purchase is refunded, any bonus credits issued with it may be removed from your account

3. Credits Spent on E-Learning Materials

E-learning materials are unlocked by spending credits from your account.

• Once credits are spent on a level, the transaction is generally final
• Unlocking a level triggers the access email, and a digital material cannot be returned once it has been sent
• Credits already spent are normally non-refundable once the access email has been sent

4. When a Refund May Be Reviewed

We understand that exceptional situations happen. A refund request may be reviewed when:

• The request is submitted within 7 days of the purchase
• The material differs significantly from its published description
• A technical problem prevented access and our support team could not resolve it
• A duplicate payment or duplicate unlock occurred because of a system error

To be considered:

• No more than 10% of the material should have been read or opened
• Materials supplied with the purchase should not have been extensively used or shared
• A clear explanation of the problem must be provided

Every request is reviewed individually, and the outcome remains at the discretion of [Company Name]. Submitting a request does not guarantee a refund.

5. Technical Problems Come First

If you cannot open your materials, our support team will try to fix the problem before a refund request is considered. Common cases include:

• Login and account access problems
• The access email not arriving, after the steps in our Delivery & Access Policy have been followed
• Materials that will not load
• Other technical errors on the platform

Support requests can be sent to [Company Email].

6. Situations That Are Not Refundable

• A change of mind after the access email has been sent
• Not having enough time to work through a material
• Personal preference or a different expectation of the study style
• Not having read the material information before buying
• Internet or device problems outside our control
• Requests made after the review period has passed
• An access period that has simply expired after the 2 weeks described in our Delivery & Access Policy

7. Account Suspension and Policy Breaches

No refund is given where an account is restricted, suspended or closed because of a breach of our terms, including:

• Sharing login details with other people
• Distributing e-learning materials without permission
• Copying, reproducing or reselling our content
• Fraudulent payment activity
• Misuse of the credits system or of a promotional offer

8. How Approved Refunds Are Processed

• Approved refunds are returned to the original payment method wherever possible
• Depending on the circumstances, a refund may instead be issued as credits or as an account adjustment
• Processing times depend on your payment provider or bank
• [Company Name] is not responsible for exchange rate differences, banking fees or third-party transaction charges

9. How to Request a Refund Review

Please contact [Company Email] and include:

• Your full name
• The email address used for the purchase
• Your order number or payment reference
• The name of the e-learning material or credit package
• A detailed explanation of your request

Most requests are reviewed within 3 to 5 business days.

10. Changes to This Policy

[Company Name] may update this Refund Policy from time to time. An updated version takes effect once it is published on the website.

11. Contact Information

[Company Name]
[Company Address]
[Company Email]
[Company Phone]