Refund Policy

At FinGrowAcademy, we are committed to ensuring your satisfaction with our English learning services. This Refund Policy outlines the terms and conditions for refunds related to our website, mobile application, and subscription services (collectively, the "Services").

Please read this Refund Policy carefully before making any purchases. By purchasing or subscribing to our Services, you agree to be bound by the terms of this policy.

1. Subscription Plans

FinGrowAcademy offers the following subscription options:

Plan	Billing Period	Description
Free	N/A	Limited access to basic features and content
Premium Monthly	Monthly	Full access to all features and content with monthly billing
Premium Annual	Yearly	Full access to all features and content with annual billing at a discounted rate
Family Plan	Monthly or Yearly	Premium access for up to 6 family members
Education Plan	Monthly or Yearly	Special pricing for educational institutions

2. Refund Eligibility

2.1 Standard Subscription Refunds

We offer a 7-day money-back guarantee for new Premium subscriptions under the following conditions:

• The refund request is made within 7 days of the initial purchase date
• This is your first time subscribing to our Premium services
• You have not violated our Terms of Service
• Technical issues have prevented you from accessing or using our Services despite reasonable troubleshooting efforts

For annual subscriptions only, we may consider partial refunds on a prorated basis if the request is made within 30 days of purchase and you have encountered significant technical issues that we are unable to resolve.

2.2 Non-Refundable Situations

Refunds will not be provided in the following circumstances:

• Subscription cancellations after the 7-day refund period has elapsed
• Automatic subscription renewals (please manage your subscription settings to avoid unwanted renewals)
• If you have substantially used the Services during the refund period (as determined by our usage metrics)
• Free trial conversions to paid subscriptions (as you had the opportunity to evaluate our Services during the trial period)
• If your account has been suspended or terminated due to violations of our Terms of Service
• For purchases of one-time features, add-ons, or in-app purchases

3. Refund Process

3.1 How to Request a Refund

To request a refund, please contact our Customer Support team through one of the following methods:

• Email: support@fiingrowacademy.com
• Contact form on our website: fiingrowacademy.com/contact.html
• In-app support chat (available to logged-in users)

When requesting a refund, please provide the following information:

• Your registered email address or username
• Date of purchase
• Subscription plan purchased
• Reason for the refund request
• Any relevant information about technical issues encountered (if applicable)

3.2 Refund Processing Time

We will review your refund request within 3 business days. If approved, the refund will be processed as follows:

• Credit/Debit Card payments: 5-10 business days for the refund to appear in your account
• PayPal payments: 3-5 business days
• Bank transfers: 7-14 business days

The actual time for the refund to appear in your account may vary depending on your financial institution or payment provider.

4. Subscription Cancellations

4.1 How to Cancel Your Subscription

You may cancel your subscription at any time to prevent future billing. To cancel your subscription:

• Within our app or website: Go to Account Settings > Subscription > Cancel Subscription
• For subscriptions purchased through the Apple App Store: Go to your Apple ID settings > Subscriptions > Find FinGrowAcademy > Cancel Subscription
• For subscriptions purchased through Google Play: Open the Google Play Store > Menu > Subscriptions > Find FinGrowAcademy > Cancel Subscription

4.2 Effect of Cancellation

When you cancel your subscription:

• You will not be charged for the next billing cycle
• You will continue to have access to Premium features until the end of your current billing period
• Your account will revert to the Free plan at the end of your billing period
• Your learning progress and account data will be preserved

5. Special Circumstances

5.1 Technical Issues

If you experience technical issues that significantly impair your ability to use our Services, we will first attempt to resolve these issues. If the issues cannot be resolved within a reasonable timeframe, we may offer:

• A full or partial refund
• Extended subscription period as compensation
• Credit towards future purchases

5.2 Service Outages

In the event of extended service outages (more than 24 consecutive hours), we may provide compensation in the form of:

• Subscription extension equal to the outage period
• Service credits
• Partial refund in exceptional circumstances

5.3 Promotional Offers and Discounts

Subscriptions purchased with promotional codes, discounts, or special offers may have different refund terms. Any specific refund limitations for promotional purchases will be clearly communicated at the time of purchase.

6. Educational Institution and Bulk Purchases

For educational institutions, organizations, or bulk purchases, refund terms may be governed by separate agreements. Please refer to your purchase agreement or contact our sales team at sales@fiingrowacademy.com for more information.

7. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Any changes will be effective immediately upon posting the updated policy on our website or in our app. Your continued use of our Services after such changes constitutes your acceptance of the new Refund Policy.

We will notify users of any material changes to this policy via email or through an in-app notification.

8. Currency and Payment Processing

All refunds will be issued in the same currency and through the same payment method used for the original purchase. If the original payment method is no longer available, we will work with you to determine an alternative refund method.

Please note that we are not responsible for any foreign exchange rate differences or fees charged by your payment provider or bank during the refund process.