Refund Policy

Effective Date: January 15, 2025

Thank you for visiting Capinor (capinor.site). This Refund Policy explains our practices regarding refunds and returns for any products, services, or digital content you may purchase or access through our website.

Please read this policy carefully before making any purchases. By making a purchase on our Site, you acknowledge that you have read, understood, and agree to this Refund Policy.

1. Nature of Our Services

Capinor primarily provides educational content, resources, and information related to structured capital management and personal finance. Our offerings include:

• Free educational articles and blog posts
• Downloadable white papers and research documents
• Educational frameworks and methodologies
• Newsletter subscriptions
• Informational resources and tools

2. Digital Products and Content

2.1 Nature of Digital Products

If we offer paid digital products (such as premium white papers, courses, templates, or tools), please note that these are intangible digital goods that are delivered immediately upon purchase or access.

2.2 No Refunds for Digital Content

Due to the nature of digital products and the immediate delivery upon purchase, we generally do not offer refunds for digital content once access has been granted or the product has been downloaded. This policy is in place because:

• Digital products are delivered instantly and cannot be "returned"
• Once accessed or downloaded, the content cannot be recovered or deleted from the purchaser's possession
• We cannot verify whether the content has been copied, shared, or utilized

2.3 Exceptions for Digital Products

We may consider refund requests for digital products in the following exceptional circumstances:

• Technical Issues: If you experience technical problems that prevent you from accessing or downloading the purchased content, and we are unable to resolve the issue within a reasonable timeframe
• Duplicate Purchases: If you accidentally purchase the same product multiple times
• Unauthorized Transactions: If your payment information was used without your authorization (subject to verification)
• Significant Misrepresentation: If the product delivered differs materially from what was described on our website

All exception requests must be submitted within 7 days of the original purchase date.

3. Subscription Services

3.1 Subscription-Based Content

If we offer subscription-based services (such as premium membership, monthly educational content, or ongoing resources):

• Subscriptions are billed on a recurring basis (monthly, quarterly, or annually) based on the plan you select
• You can cancel your subscription at any time
• Cancellation will take effect at the end of the current billing period
• No refunds will be provided for partial subscription periods

3.2 Subscription Cancellation

To cancel a subscription:

• Log into your account and navigate to subscription settings
• Follow the cancellation process outlined in your account dashboard
• Contact our support team at [email protected] if you encounter difficulties

Upon cancellation, you will retain access to subscription content until the end of your current billing period. No partial refunds will be issued for unused time within a billing period.

3.3 Free Trial Periods

If we offer free trial periods for subscription services:

• You may cancel at any time during the trial period without charge
• If you do not cancel before the trial period ends, you will be automatically charged for the subscription
• No refunds will be provided if you forget to cancel before the trial period expires

4. Consulting or Professional Services

Should we offer any professional services in the future, the following would apply:

4.1 Service Delivery

Professional services would be delivered as outlined in a separate service agreement or proposal.

4.2 Refund Conditions

Refunds for professional services would be considered only under the following circumstances:

• Services were not delivered as described in the service agreement
• Cancellation occurs before services have commenced (administrative fees may apply)
• Both parties mutually agree to terminate services (prorated refunds may apply)

4.3 Non-Refundable Services

No refunds would be provided for:

• Services that have already been delivered or completed
• Time and resources already invested in your project
• Cancellations made after services have commenced without valid cause

5. Physical Products (If Applicable)

Capinor does not currently sell physical products. Should we offer physical products (such as books, workbooks, or educational materials) in the future:

5.1 Return Window

Returns would be accepted within 30 days of delivery, provided:

• Items are in original, unused condition
• Original packaging is intact
• Proof of purchase is provided

5.2 Return Shipping

Return shipping costs would typically be the responsibility of the purchaser unless the return is due to our error or a defective product.

5.3 Refund Processing

Once a returned item is received and inspected, refunds would be processed within 10 business days to the original payment method.

6. Payment Processing

6.1 Payment Methods

We accept various payment methods, which may include credit cards, debit cards, PayPal, and other secure payment processors. All transactions are processed through secure, encrypted payment gateways.

6.2 Currency

All prices are displayed in the currency specified at checkout. You are responsible for any currency conversion fees charged by your bank or payment provider.

6.3 Payment Disputes

If you dispute a charge with your bank or credit card company without first contacting us to resolve the issue:

• Your account may be suspended or terminated
• You may lose access to purchased products or services
• We may take legal action to recover costs and damages

We encourage you to contact us first to resolve any payment concerns before initiating a chargeback or dispute.

7. Refund Request Process

If you believe you qualify for a refund under this policy, please follow these steps:

Step 1: Contact Our Support Team

Email us at [email protected] with the subject line "Refund Request" and include:

• Your full name and email address associated with the purchase
• Order number or transaction ID
• Date of purchase
• Product or service purchased
• Detailed reason for the refund request
• Any supporting documentation (screenshots, error messages, etc.)

Step 2: Review Process

Our team will review your request within 5-7 business days. We may contact you to:

• Request additional information
• Attempt to resolve technical issues
• Clarify details about your request

Step 3: Decision Notification

You will receive an email notification regarding the decision on your refund request, including:

• Approval or denial of the refund
• Reason for the decision
• Expected timeframe for refund processing (if approved)

Step 4: Refund Processing

If your refund is approved:

• Refunds will be processed to the original payment method within 10 business days
• Depending on your bank or payment provider, it may take an additional 5-10 business days for the refund to appear in your account
• You will receive a confirmation email once the refund has been processed

8. Non-Refundable Items and Services

The following are non-refundable under all circumstances:

• Free content, articles, and resources
• Digital products that have been accessed or downloaded
• Services that have been fully delivered or completed
• Promotional or discounted items marked as "final sale"
• Gift cards or promotional credits
• Third-party products or services (refund requests must be directed to the third-party provider)

9. Promotional Offers and Discounts

9.1 Limited-Time Offers

Products or services purchased during promotional periods are subject to the same refund policy as regular-priced items unless otherwise specified.

9.2 Coupon Codes and Discounts

If a refund is issued for a purchase made with a coupon code or discount:

• The refund amount will reflect the actual amount paid after the discount
• Coupon codes or promotional credits will not be reinstated

10. Account Termination

If your account is terminated due to violations of our Terms and Conditions:

• No refunds will be provided for any paid products, services, or subscriptions
• You will immediately lose access to all purchased content and materials
• Outstanding balances must still be paid in full

11. Modifications to This Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to the website with an updated "Effective Date."

Your continued use of the Site and any purchases made after changes have been posted constitute your acceptance of the modified Refund Policy. We encourage you to review this policy periodically.

Material changes to this policy will be communicated through:

• Prominent notice on our website
• Email notification to registered users (if applicable)
• Updated "Effective Date" at the top of this page

12. Contact Information

13. Dispute Resolution

If you are not satisfied with the resolution of your refund request, you may:

13.1 Escalation Process

Request escalation to a senior member of our team by replying to the initial response and stating your concerns.

13.2 Alternative Dispute Resolution

For residents of the European Union, you may also use the European Commission's Online Dispute Resolution platform at: https://ec.europa.eu/consumers/odr

13.3 Legal Action

This Refund Policy is subject to the laws of the Netherlands. Any legal disputes will be handled according to the dispute resolution procedures outlined in our Terms and Conditions.

14. Consumer Rights

This Refund Policy does not affect your statutory rights as a consumer under applicable law. Depending on your location, you may have additional rights that cannot be waived by this policy.

14.1 European Union Residents

If you are a consumer based in the European Union, you have a right to withdraw from certain purchases within 14 days without giving any reason, in accordance with EU Consumer Rights Directive. However, this right does not apply to:

• Digital content if performance has begun with your prior express consent
• Services fully performed with your prior express consent
• Sealed products that have been unsealed

14.2 Other Jurisdictions

Consumers in other jurisdictions may have rights under local consumer protection laws. This policy is intended to complement, not replace, those rights.

15. Final Provisions

15.1 Entire Agreement

This Refund Policy, together with our Terms and Conditions and Privacy Policy, constitutes the entire agreement between you and Capinor regarding refunds and returns.

15.2 Severability

If any provision of this Refund Policy is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15.3 Good Faith

We are committed to fair and transparent business practices. While we maintain this policy to protect both our business and our customers, we will always consider reasonable requests and exceptional circumstances in good faith.

Acknowledgment: By making a purchase on the Capinor website, you acknowledge that you have read, understood, and agree to this Refund Policy. If you do not agree with this policy, please do not make any purchases on our Site.

Thank you for choosing Capinor for your financial education needs. We are committed to providing high-quality educational content and maintaining fair business practices.