Refund Policy

This Refund Policy explains our policies and procedures regarding refunds, cancellations, and returns for services and products offered by AssetMethod Online ("we," "our," or "us").

By purchasing any products or services from AssetMethod Online, you acknowledge that you have read, understood, and agree to this Refund Policy in conjunction with our Terms & Conditions.

1. General Refund Policy

1.1 Scope of Policy

This Refund Policy applies to all purchases made through AssetMethod Online, including but not limited to:

• Premium educational content or courses
• Subscription services or memberships
• Digital products, reports, or specialized resources
• Consultations or advisory sessions (if offered)
• Any other paid products or services we may offer

1.2 Educational Nature of Products

All products and services offered by AssetMethod Online are educational in nature. They are designed to provide information, frameworks, and systematic approaches to asset management—not personalized financial advice or guaranteed investment returns.

By purchasing our products or services, you acknowledge that:

• Educational content cannot guarantee specific financial outcomes
• Implementation results will vary based on individual circumstances
• Past examples or case studies do not predict future performance
• You bear sole responsibility for how you apply educational content

2. Digital Products and Educational Content

2.1 Digital Products Definition

Digital products include downloadable content such as:

• E-books, guides, or extended white papers
• Video courses or instructional series
• Templates, worksheets, or planning tools
• Specialized calculators or software tools
• Research reports or market analyses

2.2 Refund Eligibility Period

For digital products and educational content, refund requests must be submitted within 14 days of purchase.

2.3 Conditions for Digital Product Refunds

Refunds for digital products will be considered under the following conditions:

• Technical issues prevented access to the product despite reasonable troubleshooting efforts
• The product received differs substantially from its description
• The product contains significant errors or omissions that impair its educational value
• Duplicate purchase was made unintentionally

2.4 Non-Refundable Circumstances

Refunds will NOT be granted for:

• Change of mind after accessing or downloading content
• Dissatisfaction with educational content style or presentation
• Failure to achieve desired financial results from applying content
• Lack of time or motivation to complete courses or implement frameworks
• Discovery that content requires effort or work to implement
• Content already consumed, downloaded, or accessed in full
• Violations of Terms & Conditions or abuse of refund policy

3. Subscription Services

3.1 Subscription Types

If AssetMethod Online offers subscription-based services, they may include:

• Premium membership tiers with exclusive content
• Ongoing educational programs or courses
• Regular research updates or market commentary
• Access to specialized tools or calculators
• Community forums or discussion groups

3.2 Subscription Refund Policy

Initial Subscription Period: New subscribers may request a full refund within 7 days of their initial subscription purchase, provided they have not extensively accessed or downloaded subscription-exclusive content.

Renewal Refunds: Subscription renewals are generally non-refundable. We recommend canceling your subscription before the renewal date if you do not wish to continue.

3.3 Subscription Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. You will retain access to subscription benefits until that date, and no refund will be provided for the remaining days of the current period.

To cancel a subscription:

• Log into your account and navigate to subscription settings
• Select the cancellation option and follow prompts
• Or contact us directly at [email protected]

3.4 No Partial Refunds

We do not provide partial refunds for unused portions of subscription periods. If you cancel mid-period, you retain access until the period ends but receive no prorated refund.

4. Consultations and Advisory Services

4.1 Educational Consultations

Should we offer educational consultations or sessions, they would be:

• Educational discussions about systematic frameworks and methodologies
• General guidance on implementing systematic approaches
• NOT personalized financial advice or investment recommendations
• NOT substitutes for professional advisory services

4.2 Consultation Refund Policy

Consultation fees are generally non-refundable once the session is completed. Refunds may be considered if:

• Technical issues prevented the session from occurring
• We canceled or failed to appear for a scheduled session
• You provide at least 48 hours' notice of cancellation before a scheduled session

4.3 Rescheduling

Consultations may be rescheduled without penalty if notice is provided at least 48 hours in advance. Sessions canceled with less than 48 hours' notice may be subject to cancellation fees.

5. Requesting a Refund

5.1 Required Information

Refund requests must include:

• Your full name and email address associated with the purchase
• Order number, transaction ID, or purchase confirmation details
• Date of purchase
• Name of product or service
• Detailed explanation of reason for refund request
• Documentation of any technical issues (screenshots, error messages, etc.)

5.2 Review and Decision

We will review all refund requests fairly and in accordance with this policy. Our decision will be communicated via email within 5-7 business days of receiving a complete request.

We reserve the right to request additional information or documentation to evaluate your request. Failure to provide requested information may result in denial of the refund.

5.3 Refund Processing Time

Approved refunds are typically processed within 7-14 business days. The refund will be credited to the original payment method used for purchase.

Please note that depending on your financial institution, it may take additional time for the refund to appear in your account. We are not responsible for processing delays by payment processors or financial institutions.

6. Payment Disputes and Chargebacks

6.1 Contact Us First

Before initiating a payment dispute or chargeback with your financial institution, please contact us directly. Most issues can be resolved quickly and amicably through direct communication.

6.2 Chargeback Consequences

If you initiate a chargeback without first attempting to resolve the issue with us:

• We will provide evidence of purchase and delivery to your financial institution
• Your account access may be suspended pending resolution
• Unjustified chargebacks may result in permanent account termination
• You may be responsible for chargeback fees and administrative costs

6.3 Fraudulent Chargebacks

We take fraudulent chargebacks seriously. If we determine that a chargeback was filed fraudulently or in bad faith, we reserve the right to:

• Permanently ban you from using our Site and services
• Report fraudulent activity to appropriate authorities
• Pursue legal remedies to recover losses and costs

7. Exceptions and Special Circumstances

7.1 Technical Issues

If you experience technical difficulties accessing purchased products or services, contact our support team immediately at [email protected]. We will work to resolve technical issues before considering refund requests.

7.2 Product Updates and Changes

We may update, modify, or improve digital products and educational content over time. Updates to products you have purchased do not entitle you to refunds. Existing customers typically receive updates at no additional charge.

7.3 Promotional Offers and Discounts

Products or services purchased during promotional periods or with discount codes are subject to the same refund policy as full-price purchases. However, if you received a promotional discount or bonus, the refund amount may be adjusted to reflect the actual amount paid.

7.4 Bundle Purchases

If you purchase a bundle of products or services at a discounted price, refunds may be calculated based on the individual product values rather than the bundle discount, and may only be provided if all bundle components are returned or access is relinquished.

8. Non-Refundable Items and Services

The following are explicitly non-refundable:

• Free products, content, or services
• Products or services provided as gifts or promotional bonuses
• Digital content that has been fully accessed, downloaded, or consumed
• Services that have been fully delivered or completed
• Custom or personalized products created specifically for you
• Products purchased in violation of our Terms & Conditions
• Products or services obtained through fraudulent means

9. EU and UK Consumer Rights

9.1 Right of Withdrawal

If you are a consumer located in the European Union or United Kingdom, you may have certain statutory rights under consumer protection laws, including a right of withdrawal within 14 days of purchase.

9.2 Digital Content Exception

However, for digital content not supplied on a tangible medium, your right of withdrawal may be waived if:

• You expressly consented to immediate access to the digital content
• You acknowledged that you would lose your right of withdrawal
• We provided you with confirmation of your consent and acknowledgment

9.3 Faulty Products

If digital products or services are faulty, not as described, or not fit for purpose, you may be entitled to a repair, replacement, or refund under UK Consumer Rights Act 2015 or equivalent EU legislation.

10. Refund Policy Modifications

10.1 Right to Modify

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting the updated policy on our Site with a revised "Last Updated" date.

10.2 Notification of Changes

Material changes to this policy will be communicated through:

• Prominent notice on our Site
• Email notification to registered users or customers
• Other appropriate communication channels

10.3 Applicable Version

Refund requests will be evaluated under the version of this policy in effect at the time of your purchase, unless changes are required by law.

11. Limitation of Liability

To the maximum extent permitted by law, our total liability for any refund claim shall not exceed the amount you actually paid for the product or service in question.

We are not liable for:

• Indirect, incidental, or consequential damages arising from denied refund requests
• Investment losses or financial damages resulting from use of our educational content
• Time spent or opportunity costs associated with purchased products or services
• Technical issues beyond our reasonable control

12. Abuse of Refund Policy

12.1 Policy Abuse

We reserve the right to deny refund requests that we determine, in our sole discretion, constitute abuse of this policy. Examples of abuse include:

• Repeated refund requests for similar products
• Requesting refunds after fully consuming or implementing content
• Providing false or misleading information in refund requests
• Attempting to retain access to products while requesting refunds
• Sharing or distributing content after receiving refunds

12.2 Consequences of Abuse

If we determine that you have abused our refund policy, we may:

• Deny your current and future refund requests
• Suspend or terminate your account
• Ban you from making future purchases
• Pursue legal remedies if warranted

13. Questions and Disputes

13.1 Contact for Questions

If you have questions about this Refund Policy or a specific refund request, please contact us before initiating formal disputes.

13.2 Dispute Resolution

Disputes regarding refunds will be handled in accordance with the dispute resolution provisions in our Terms & Conditions, including governing law and jurisdiction clauses.

13.3 Good Faith Communication

We are committed to fair treatment of all customers and will work in good faith to resolve refund disputes fairly and reasonably. We encourage open communication and honest dialogue to find mutually acceptable solutions.

By purchasing products or services from AssetMethod Online, you acknowledge that you have read, understood, and agree to this Refund Policy.

This Refund Policy is incorporated into and forms part of our Terms & Conditions.

Last Updated: January 15, 2025 | © 2025 AssetMethod Online. All rights reserved.