Enrollment Date Verification
Refund requests must be submitted within 14 days of your confirmed enrollment date. We track enrollment from the moment payment is processed and access credentials are issued.
Refund Policy
Last Updated: February 2025
At Cognitfluxonhub, we're committed to providing quality financial modeling education. We understand that sometimes plans change. This policy outlines our approach to refunds for our courses and programs, effective throughout 2025 and beyond. We've designed this to be straightforward because nobody likes hidden terms.
Standard Refund Window
Students have 14 calendar days from enrollment to request a full refund. This applies to all courses starting in mid-2025 or later, provided less than 20% of course materials have been accessed.
Processing Timeline
Once approved, refunds typically process within 7-10 business days. The exact timing depends on your payment method and financial institution's processing schedule.
Eligibility Criteria
1
2
Course Material Access
Students who have accessed more than 20% of course content aren't eligible for full refunds. Our system tracks which modules, videos, and resources you've opened. This threshold exists because substantial engagement indicates commitment to the material.
3
Certificate Programs
For certificate programs starting in autumn 2025, different terms apply. Once you've submitted any graded assignments or participated in live sessions, partial refund policies take effect based on completion percentage.
4
Bundle Purchases
Course bundles follow the same 14-day window, but eligibility is assessed across all included courses. If you've accessed content from multiple courses in the bundle, that affects your refund amount.
Step-by-Step Refund Process
1
Submit Request
Email [email protected] with your enrollment details and reason for refund. Include your full name, course name, and enrollment date. We read every request personally.
2
Review Period
Our team reviews your request within 2-3 business days. We verify enrollment dates, check content access logs, and assess eligibility. You'll receive an email confirmation once review begins.
3
Decision Notification
We'll email you our decision with detailed explanation. If approved, we include the expected refund date and method. If denied, we explain why and discuss alternative options like course transfers.
4
Refund Processing
Approved refunds are initiated immediately. Your payment method receives the funds within 7-10 business days. Credit card refunds typically appear faster than bank transfers.
Early Withdrawal
- Requested within 7 days
- Less than 10% content accessed
- No assignments submitted
- Full refund typically approved
Partial Completion
- Requested after 14 days
- Between 20-50% completion
- Partial refund may be considered
- Case-by-case evaluation
Technical Issues
- Platform access problems
- Content delivery failures
- Extended outages
- Special consideration given
Payment Methods & Processing Times
Credit & Debit Cards
Refunds return to your original card. Processing takes 5-7 business days after approval. Your bank's processing time may add 1-3 days.
Supported: Visa, Mastercard, American Express issued by Thai banks or international institutions.
Bank Transfers
Direct bank transfers take 7-10 business days. We require verified bank account details matching your enrollment information.
Available for Bangkok Bank, Kasikorn Bank, Siam Commercial Bank, and other major Thai banks.
PayPal Payments
PayPal refunds process within 3-5 business days. Funds appear in your PayPal balance, then transfer to your linked account per your settings.
Currency conversion fees may apply for international accounts.
Company Vouchers
Corporate training vouchers follow different terms. Refunds are issued as credit for future courses or returned to the sponsoring organization's account.
Contact your company's training coordinator for voucher refund procedures.
Non-Refundable Items
Certain purchases and services aren't eligible for refunds under any circumstances. This helps us maintain quality and fairness across our student community.
- One-on-one mentoring sessions after they've been scheduled, even if you don't attend
- Certification exam fees once you've taken the exam, regardless of pass/fail outcome
- Third-party software licenses or tools provided as part of course packages
- Conference tickets or event registrations for Cognitfluxonhub-hosted gatherings scheduled for late 2025
- Custom course materials or personalized curriculum developed specifically for corporate clients
- Lifetime access upgrades purchased separately from the main course enrollment
Questions About Your Refund?
Our student support team reviews every situation individually. We understand circumstances vary, and we're here to find solutions. Whether you're dealing with unexpected life changes or technical difficulties, reach out and let's discuss your options.