Refund Policy

Thank you for using Cyber Skill Institute, managed by [Company Name] ("Company", "we", "our", or "us"). This Refund Policy explains the circumstances in which refunds may or may not be available for Credits, Bonus Credits, and E-Learning Materials obtained through our Platform.

As the Platform provides digital E-Learning Materials and digital Credits, transactions are generally non-refundable after successful completion, except where otherwise provided in this Policy or required by applicable law. By purchasing Credits or obtaining E-Learning Materials through the Platform, you acknowledge and agree to the terms of this Refund Policy.

1. Digital Products and E-Learning Materials

The products and services made available through Cyber Skill Institute are delivered digitally and may include:

Virtual Credits and any Bonus Credits or promotional Credits provided with qualifying purchases;
Access to selected E-Learning Materials and applicable Skill Levels; and
Educational, instructional, informational, or other digital Materials made available through the Platform.

Because Credits and E-Learning Materials are digital products, refund eligibility may depend on the nature and status of the transaction, whether the Credits or Materials have already been used or accessed, and any rights available under applicable law.

2. Purchased Credits

Credits are digital units purchased using real money and may be used to obtain eligible E-Learning Materials through the Platform.

Once a Credit transaction has been successfully completed and the Credits have been added to your Account, the purchase is generally non-refundable.

Refunds for unused Purchased Credits will generally not be available due to circumstances such as:

Changing your mind;
Making an accidental purchase;
Not using the Credits;
Failing to use the Credits before any applicable expiration date;
Purchasing an unsuitable or incorrect Credit package; or
No longer requiring the Credits.

Exceptions may be considered where applicable law requires a refund or where the transaction was incorrectly processed as a result of an error on our part.

3. Bonus Credits

Bonus Credits may be provided when you purchase qualifying Credit packages or participate in an applicable promotional offer. Bonus Credits are provided at no additional monetary cost.

Bonus Credits are strictly non-refundable and have no cash value, except where otherwise required by applicable law.

Bonus Credits:

Cannot be exchanged for cash;
Cannot be transferred to another Account;
Cannot be sold, assigned, or otherwise transferred;
Cannot be withdrawn;
Cannot be refunded separately; and
Cannot be converted into monetary value.

If a Credit purchase that included Bonus Credits is approved for a refund, only the eligible Purchased Credits for which payment was made will be considered for the refundable amount. Bonus Credits will not form part of the refund calculation.

Where applicable, we may cancel or remove unused Bonus Credits associated with a transaction that has been refunded, reversed, cancelled, or determined to be fraudulent or unauthorized.

4. E-Learning Materials

E-Learning Materials are digital products that are delivered or made available electronically through the Platform.

Once an E-Learning Material has been successfully obtained and made available to you, the transaction is generally non-refundable, subject to any rights provided under applicable law.

Refunds will generally not be available where:

You have accessed the Materials;
You have downloaded the Materials, where downloading is available;
The access information has been successfully delivered to your email address;
You have received the applicable access link or other access credentials;
You have partially or fully used the Materials;
You have determined that the Materials are no longer required;
You selected an incorrect subject or Skill Level;
You obtained the Materials accidentally; or
You failed to access the Materials during the applicable access period.

5. Duplicate or Incorrect Transactions

If you believe that you were charged more than once for the same transaction or that an incorrect amount was charged because of a technical or processing error, please contact us at [Company Email] as soon as reasonably possible.

We may review the relevant transaction information to determine whether a duplicate or incorrect charge occurred. Where we confirm that the issue resulted from an error on our part, we may provide an appropriate refund or transaction adjustment.

6. Technical Difficulties

We understand that technical problems may occasionally prevent users from accessing E-Learning Materials they have successfully obtained.

If you experience an access-related technical issue, please contact our support team at [Company Email] before submitting a refund request.

After reviewing the issue, we may take reasonable steps to resolve the problem, including:

Resending access information;
Providing an alternative access method;
Restoring access to the applicable Materials;
Extending the applicable access period; or
Providing another appropriate technical resolution.

A technical problem does not automatically qualify for a refund where the issue can reasonably be resolved by restoring or otherwise providing access to the Materials.

7. Failure to Receive Access Information

If you have successfully completed a purchase but have not received your E-Learning access information, please first check the following:

Your spam or junk email folder;
Your promotions or filtered folders;
Your available email storage capacity; and
The email address entered during checkout.

E-Learning access information is typically delivered within a few minutes, although system or processing delays may in some cases result in delivery taking up to 72 hours.

If your access information has not arrived within 72 hours, please contact our support team at [Company Email].

Where we confirm that a delivery failure has occurred, we will make reasonable efforts to resend the relevant access information or otherwise restore access to the applicable Materials.

8. Refund Eligibility

Where a refund request is submitted, we may consider a range of factors when reviewing eligibility, including:

The date and time of the transaction;
The payment status of the transaction;
Whether Purchased Credits have already been used;
Whether Bonus Credits were issued;
Whether any Bonus Credits have been used;
Whether the E-Learning Materials have been accessed;
Whether the Materials have been downloaded;
Whether a technical issue occurred;
Whether the transaction was duplicated or incorrectly processed; and
Any applicable legal requirements.

Approval of a refund in one particular situation does not create an obligation to approve another refund request, whether under similar or different circumstances.

9. Refund Requests

If you believe that you may qualify for a refund, please contact us using the contact information provided on the Platform.

To allow us to identify and review the relevant transaction, your refund request should include:

Your Account email address;
The transaction or order reference, where available;
The date of purchase;
The amount paid;
The currency used; and
A clear explanation of the reason for your refund request.

We may request additional information where reasonably necessary to investigate and assess your request.

10. Refund Processing

If a refund is approved, it will generally be issued using the original payment method used for the transaction.

The time required for the refunded amount to appear in your account may vary depending on your bank, card issuer, payment provider, or other financial institution.

We are not responsible for delays caused by third-party payment providers or financial institutions after the refund has been processed by us.

Where applicable, a refunded transaction may result in the cancellation or removal of associated Bonus Credits and/or the reversal of Materials obtained using the refunded Credits.

11. Chargebacks and Payment Disputes

Before initiating a chargeback or payment dispute with your bank or payment provider, we encourage you to contact us first so that we have an opportunity to review and attempt to resolve the issue.

If a chargeback or payment dispute is initiated, we may provide relevant transaction and Account information to the applicable payment provider, financial institution, or card network where reasonably necessary to respond to the dispute.

We reserve the right to suspend or restrict an Account where we reasonably believe that a fraudulent or unauthorized chargeback has been initiated.

12. Fraudulent or Unauthorized Transactions

If we reasonably determine that a transaction may have been fraudulent, unauthorized, or obtained through misuse of the Platform, we reserve the right to take appropriate action, including:

Suspending or terminating the relevant Account;
Cancelling or removing Credits;
Cancelling or removing Bonus Credits;
Revoking access to Materials obtained through the relevant transaction;
Refusing or reversing a refund; and
Taking other reasonable measures necessary to protect the Platform and its users.

Nothing in this section is intended to limit any rights or obligations we may have under applicable law.

13. Account Restrictions and Violations

Where an Account is restricted, suspended, or terminated because of a violation of our Terms & Conditions, any request relating to Credits, E-Learning Materials, or payments will be reviewed based on the circumstances of the matter and applicable law.

Conduct that may result in such action includes unauthorized Account sharing, unauthorized copying or distribution of Materials, fraudulent activity, or attempted misuse of the virtual Credits system.

14. Currency and Third-Party Fees

Where a monetary refund is approved, it will generally be processed with reference to the original payment transaction and purchase currency, subject to the payment method, payment provider procedures, and applicable requirements.

Currency conversion differences, exchange-rate fluctuations, bank charges, card issuer fees, and other third-party charges may be outside the control of [Company Name].

15. Exceptions Required by Law

Nothing in this Refund Policy is intended to exclude, restrict, or limit any refund, cancellation, withdrawal, consumer, or other statutory rights that cannot legally be excluded or restricted under applicable law.

Where applicable law provides you with a mandatory right to a refund or cancellation, that right will continue to apply regardless of any provision contained in this Refund Policy.

16. Changes to This Refund Policy

[Company Name] may revise or update this Refund Policy from time to time to reflect changes to the Platform, our practices, operational requirements, or applicable legal requirements.

Any revised version will become effective when it is published on the Platform, unless otherwise required by applicable law.

We recommend reviewing this Refund Policy before making purchases through the Platform.

17. Contact Us

If you have any questions regarding this Refund Policy or would like to submit a refund request, please contact us at [Company Email].