Refund Policy

Last updated: May 15, 2024

This Refund Policy defines the rules and procedures for refunding payments for paid services and information products provided on the FinZashchita website (hereinafter referred to as "we," "our," "us"). We strive to ensure high quality of our services and satisfaction of our customers' needs.

1. General Provisions

This Refund Policy has been developed in accordance with the legislation of the Russian Federation, including the Law "On Consumer Protection," and regulates the relationship between FinZashchita and customers who purchase our paid services and information products.

By purchasing our paid services or information products, you confirm that you have read and agree to the terms of this Refund Policy.

2. Types of Paid Services and Products

We may offer the following types of paid services and information products:

• Online courses on financial literacy and investing;
• E-books and information materials;
• Individual financial consultations;
• Webinars and online seminars;
• Access to closed sections of the website with premium content;
• Subscription to information newsletters with analytical materials.

3. Refund Conditions for Digital Information Products

Digital information products include e-books, webinar recordings, online courses, and other materials provided in electronic format.

3.1. Refund Before Accessing Materials

You have the right to cancel your purchased digital product and request a full refund at any time before receiving access to the materials or before the service begins.

3.2. Refund After Accessing Materials

After receiving access to digital materials:

• Within 14 days of purchase, you can request a refund if the quality of the materials does not meet the stated specifications, or if significant errors or inaccuracies are found in the materials. In this case, you need to provide justification for your request.
• For online courses with phased access to materials, a refund guarantee is valid for 7 days after providing access to the first module of the course, provided that you have studied no more than 30% of the content.

Refunds for digital products are not provided in the following cases:

• If you have downloaded or saved materials to your devices;
• If more than 14 days have passed since providing access to the materials;
• If you have studied more than 30% of the online course content;
• If the product was purchased with a significant discount (more than 50% off the original price).

4. Refund Conditions for Consultation Services

4.1. Cancellation of Scheduled Consultation

You can cancel a scheduled consultation and request a full refund no later than 24 hours before the agreed consultation time.

4.2. Rescheduling Consultation

If you cannot participate in the consultation at the agreed time, you can reschedule it once for free by notifying us no later than 12 hours before the scheduled time.

4.3. Refund After Consultation

After the consultation has been conducted, no refund is provided, except in cases where the consultation was not conducted due to our fault or was conducted with significant quality issues.

5. Refund Conditions for Subscriptions

For services provided by subscription (such as access to premium content or regular information newsletters):

• You can cancel your subscription and request a refund within 7 days of payment if you have not used the provided services.
• If you decide to cancel your subscription after using the service or after the 7-day period, the refund is made proportionally to the unused period, minus a payment processing fee (not more than 5% of the refunded amount).
• To cancel auto-renewal of a subscription, you need to notify us at least 3 days before the next payment date.

6. Refund Request Procedure

To request a refund, you need to take the following steps:

1. Send a refund request by email to: [email protected]
2. In the request, you need to indicate:
   • Full name and contact information
   • Purchase date
   • Name of the purchased product or service
   • Order or transaction number
   • Reason for the refund request
   • Preferred refund method
3. If applicable, provide evidence of discovered defects or product non-compliance with stated characteristics.

We will review your request within 5 business days and contact you to clarify details or inform you of the decision.

7. Timeframes and Methods for Refunds

In case of a positive decision on the refund request:

• The refund is processed using the same method that was used for payment, unless otherwise agreed with the customer.
• Refund timeframes:
  • For bank cards: 3-15 business days from the moment the refund is approved
  • For electronic wallets: 1-3 business days from the moment the refund is approved
  • For bank transfers: 3-7 business days from the moment the refund is approved
• When refunding, commissions of payment systems, banks, and other financial organizations are not reimbursed, except in cases where the refund is being made due to our fault.

8. Special Cases

8.1. Technical Issues

If you were unable to access the purchased product or service due to technical issues on our side, we will provide you with a full refund or, at your choice, extend the access period for the duration during which the service was unavailable.

8.2. Force Majeure

In case of force majeure circumstances (natural disasters, pandemics, military actions, etc.) that prevent the provision of the service, we reserve the right to postpone the service to a later date or offer alternative options, including partial or full refund.

9. Exceptions to the Refund Policy

This Refund Policy does not apply to:

• Free products and services;
• Products and services purchased from third parties, even if they are recommended on our website;
• Cases where the inability to use the product or service is related to technical limitations on the customer's side;
• Cases where the customer has violated the Website Terms of Use or User Agreement.

10. Changes to the Refund Policy

We reserve the right to make changes to this Refund Policy at any time without prior notice. The current version of the Refund Policy is always available on our website. Changes take effect from the moment they are published on the website and apply only to purchases made after the publication of the changes.

11. Contact Information

If you have questions or need additional information about our Refund Policy, please contact us:

FinZashchita
Address: 3 Evans Ranch, Robbury W8 7EY
Email: [email protected] (general inquiries)
Email: [email protected] (refund requests)
Phone: +447339905389

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