Refund Policy

Last Updated: January 15, 2025

1. Overview

At Financial Education Hub, we are committed to providing high-quality educational products and exceptional customer service. We stand behind the quality of our products and want you to be completely satisfied with your purchase. This Refund Policy outlines the terms and conditions under which refunds may be requested for products purchased through smm-store.ru.

By completing a purchase on our website, you acknowledge that you have read, understood, and agree to this Refund Policy.

2. Digital Products Refund Policy

2.1 30-Day Money-Back Guarantee

We offer a 30-day money-back guarantee on most of our digital products, including:

• Conference Landing Page Builder
• Market Insights Analysis Toolkit
• Financial Education Masterclass
• Business Conference Presentation Pack
• Advanced Financial Learning System

If you are not satisfied with your purchase for any reason, you may request a full refund within 30 days of the purchase date.

2.2 Eligibility Requirements

To be eligible for a refund under our 30-day money-back guarantee, you must:

• Request the refund within 30 days of the original purchase date
• Provide a valid reason for the refund request
• Demonstrate that you made a reasonable effort to use the product
• Have not violated our Terms & Conditions or engaged in fraudulent activity
• Have not previously received a refund for the same or similar product

2.3 Non-Refundable Circumstances

Refunds will NOT be granted in the following circumstances:

• Requests made after the 30-day refund period has expired
• Products that have been fully downloaded and extensively used without valid complaint
• Claims of "changed mind" after accessing substantial portions of course content
• Technical issues caused by user error, incompatible systems, or inadequate hardware/software
• Products purchased at a discounted or promotional rate (unless otherwise specified)
• Failure to understand product features that were clearly described on the product page
• Products obtained through fraudulent means or using stolen payment information

3. Subscription Services

3.1 Recurring Subscriptions

If you purchase a subscription-based service:

• You may cancel your subscription at any time to prevent future charges
• Cancellation does not automatically entitle you to a refund for the current billing period
• You will retain access to subscription benefits until the end of the current billing period
• No refunds will be provided for partial billing periods unless required by law

3.2 Free Trials

If a free trial is offered:

• You must cancel before the trial period ends to avoid being charged
• If you are charged after the trial period, standard refund policies apply
• We will send reminder notifications before the trial period expires

4. Physical Products

4.1 Return Window

Physical products may be returned within 14 days of delivery for a full refund, provided:

• Products are returned in original, unused condition with all original packaging
• You obtain a Return Merchandise Authorization (RMA) number before shipping
• Products are returned at your expense (unless the product is defective or incorrect)
• Products are received at our facility within the return window

4.2 Damaged or Defective Products

If you receive a damaged or defective physical product:

• Contact us within 7 days of delivery with photographic evidence
• We will provide a prepaid return label at no cost to you
• You will receive a full refund or replacement at your choice
• Shipping costs will be fully reimbursed

5. Refund Request Process

5.1 Required Information

When requesting a refund, please provide:

• Full name as it appears on the order
• Email address used for the purchase
• Order number or transaction ID
• Date of purchase
• Product name(s)
• Detailed reason for refund request
• Description of issues encountered (if applicable)
• Screenshots or documentation supporting your request (if applicable)

5.2 Review Process

Our customer support team will review your refund request and may:

• Request additional information or documentation
• Offer technical support to resolve issues
• Suggest alternative products that may better meet your needs
• Approve a full refund
• Approve a partial refund in certain circumstances
• Deny the refund request if it does not meet policy requirements

6. Refund Processing and Timing

6.1 Processing Time

Once a refund is approved:

• Digital products: Refunds are processed within 7-10 business days
• Physical products: Refunds are processed within 7-10 business days after we receive the returned item
• You will receive email confirmation when the refund has been processed

6.2 Refund Method

Refunds will be issued using the original payment method:

• Credit/debit cards: Refunds appear as a credit on your statement within 5-10 business days after processing
• PayPal: Refunds are typically available immediately after processing
• Bank transfers: May take 7-14 business days to appear in your account

6.3 Partial Refunds

In certain circumstances, we may offer partial refunds:

• When a product bundle is purchased but only one component is unsatisfactory
• When substantial content has been accessed before the refund request
• For physical products returned in less than perfect condition
• As a goodwill gesture to resolve disputes

7. Access Revocation

Upon refund approval for digital products:

• Your access to the product will be immediately revoked
• You must delete all downloaded materials and cease using the product
• You will lose access to any associated community forums or support
• Certificates or credentials earned will be invalidated

8. Chargebacks and Disputes

8.1 Direct Resolution

We strongly encourage you to contact us directly before initiating a chargeback or payment dispute. Most issues can be resolved quickly through direct communication, and chargebacks:

• Take longer to resolve than direct refunds
• May result in additional fees charged to you by your bank
• May result in permanent account suspension
• Complicate future purchases with us

8.2 Unauthorized Chargebacks

If you initiate a chargeback without first contacting us:

• Your account will be immediately suspended pending investigation
• We will contest unauthorized chargebacks with supporting documentation
• You may be liable for chargeback fees and legal costs if the chargeback is deemed fraudulent
• Your account may be permanently banned from future purchases

9. Exceptions and Special Circumstances

9.1 Technical Issues

If you experience technical problems with a digital product:

• Contact our technical support team before requesting a refund
• We will make reasonable efforts to resolve technical issues
• Refunds for technical issues will be granted if problems cannot be resolved
• Technical issues caused by user error or incompatible systems may not qualify for refunds

9.2 Misrepresentation Claims

If you believe a product was misrepresented:

• Provide specific examples of how the product differs from its description
• We will investigate all claims thoroughly
• Refunds will be granted if misrepresentation is confirmed
• Subjective differences in expectations do not constitute misrepresentation

9.3 Force Majeure

We are not liable for refunds resulting from circumstances beyond our control, including but not limited to natural disasters, government actions, internet outages, or third-party service failures.

10. Bundle and Package Deals

For bundled products or package deals:

• Refund requests must be made for the entire bundle, not individual components
• Partial refunds may be considered on a case-by-case basis
• The discounted bundle price will be used for refund calculation
• If you accessed multiple products in the bundle, refund eligibility may be affected

11. Promotional and Discounted Purchases

Products purchased at discounted rates or during promotional periods:

• Are generally subject to standard refund policies unless otherwise stated
• May have modified refund terms disclosed at time of purchase
• May not be eligible for refund if promotional terms specified "no refunds"
• Will be refunded at the actual amount paid, not the original price

12. Gift Purchases

For products purchased as gifts:

• Refunds must be requested by the original purchaser
• Gift recipients cannot request refunds directly
• Refunds will be issued to the original payment method
• Gift access will be revoked upon refund processing

13. Abuse Prevention

To maintain fair policies for all customers, we reserve the right to:

• Deny refunds to customers with patterns of excessive refund requests
• Limit or deny future purchases to customers who abuse refund policies
• Investigate suspicious refund activity
• Report fraudulent behavior to relevant authorities
• Take legal action against customers engaging in refund fraud

14. Policy Modifications

We reserve the right to modify this Refund Policy at any time. Changes become effective immediately upon posting on our website. Refund requests are subject to the policy in effect at the time of purchase, unless changes are more favorable to customers, in which case the updated policy may apply retroactively at our discretion.

15. Contact Information

16. Legal Rights

This Refund Policy does not affect your statutory rights under applicable consumer protection laws. If you are located in a jurisdiction that provides additional consumer protections or mandatory refund rights, those rights apply in addition to this policy. Nothing in this policy limits rights you may have under applicable law.

17. Governing Law

This Refund Policy is governed by the laws of India. Any disputes arising from refund requests or this policy shall be resolved in accordance with our Terms & Conditions.

Effective Date: This Refund Policy is effective as of January 15, 2025, and applies to all purchases made on or after this date.

Acknowledgment: By completing a purchase on our website, you acknowledge that you have read, understood, and agree to this Refund Policy.