Refund Policy

At NiitiFinance, we are committed to ensuring your satisfaction with our educational services. This Refund Policy outlines the terms and conditions for refunds and cancellations of our courses, programs, and other services.

1. Digital Course Refund Policy

1.1 Satisfaction Guarantee

We offer a 7-day satisfaction guarantee for most of our digital courses. If you are not satisfied with your purchase, you may request a refund within 7 days from the date of purchase, provided you have not completed more than 25% of the course content.

1.2 Eligibility Criteria for Refunds

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

• The refund request must be made within 7 days of purchase
• You must not have completed more than 25% of the course content
• You must provide a valid reason for the refund request
• Any downloadable resources or materials must not have been downloaded

1.3 Non-Refundable Items

The following items are non-refundable:

• Individual coaching sessions that have already been conducted
• Special promotional courses or bundles marked as "non-refundable"
• Courses where you have accessed more than 25% of the content
• Course add-ons, upgrades, or supplementary materials purchased separately
• Any digital product explicitly marked as "non-refundable" at the time of purchase

2. Subscription-Based Services

2.1 Monthly Subscriptions

For monthly subscription services, you may cancel your subscription at any time. Once cancelled, you will maintain access to the subscription services until the end of your current billing period. No refunds are provided for partially used subscription periods.

2.2 Annual Subscriptions

For annual subscription services, you may request a prorated refund within the first 30 days of your subscription. After 30 days, annual subscriptions are non-refundable.

3. Live Webinars and Events

3.1 Cancellation by Customer

For live webinars and events, the following cancellation policy applies:

• Cancellation more than 7 days before the event: Full refund
• Cancellation 3-7 days before the event: 50% refund
• Cancellation less than 72 hours before the event: No refund

3.2 Event Rescheduling or Cancellation by NiitiFinance

If we need to reschedule or cancel an event, you will be offered the following options:

• Attend the rescheduled event
• Transfer your registration to another upcoming event
• Receive a full refund

4. Personalized Coaching and Consulting Services

4.1 Cancellation Policy

For personalized coaching and consulting services:

• Cancellation more than 48 hours before the scheduled session: Full refund or reschedule
• Cancellation less than 48 hours before the scheduled session: No refund (one-time courtesy reschedule may be offered at our discretion)

4.2 No-Shows

If you fail to attend a scheduled coaching or consulting session without prior notice, it will be considered a completed session, and no refund will be provided.

5. Technical Issues

If you experience technical difficulties that prevent you from accessing our services:

• You must report the issue to our support team within 24 hours
• Our team will work to resolve the issue and may offer an extension of access or other appropriate solution
• If we cannot resolve the issue, we may offer a partial or full refund at our discretion

6. How to Request a Refund

To request a refund, please follow these steps:

1. Send an email to refunds@niitifinance.com with the subject line "Refund Request - [Order Number]"
2. Include the following information in your email:
   • Your full name
   • Order number or transaction ID
   • Date of purchase
   • Product or service purchased
   • Reason for requesting a refund
3. Our customer support team will review your request and respond within 3 business days

7. Refund Processing

7.1 Processing Time

Once a refund is approved, we will process it within 7-10 business days. The time it takes for the refund to appear in your account depends on your payment method and financial institution:

• Credit/Debit Cards: 5-10 business days
• PayPal: 3-5 business days
• Bank Transfers: 7-14 business days

7.2 Refund Method

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

8. Exceptions and Special Circumstances

We understand that exceptional circumstances may arise. In cases of serious illness, family emergency, or other extenuating circumstances, we may make exceptions to our standard refund policy. These will be evaluated on a case-by-case basis and require appropriate documentation.

9. Changes to This Policy

We may update this Refund Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated policy will be posted on this page with a revised "Last Updated" date. We encourage you to review this Refund Policy periodically.

10. Contact Information