Refund Policy
Clear guidelines for refund eligibility, procedures, and timelines for carilnamodiuvareari's fundamental analysis education programs
Refund Eligibility Overview
At carilnamodiuvareari, we want you to feel confident about your investment in financial education. Our refund policy reflects our commitment to providing quality fundamental analysis training while maintaining fair business practices.
Refund eligibility depends on several factors including program type, completion status, and timing of your request. We evaluate each case individually while following consistent guidelines.
Refund Timeline & Process
Initial Request (Within 14 Days)
Submit your refund request within 14 days of enrollment. Full refund available if you've completed less than 20% of course material and haven't accessed advanced modules.
Review Period (3-5 Business Days)
Our team reviews your request, checking enrollment date, course progress, and any special circumstances. We may contact you for additional information during this period.
Processing & Payment (5-10 Business Days)
Once approved, refunds are processed back to your original payment method. Credit cards typically see funds within 5-7 business days, bank transfers may take up to 10 business days.
Specific Refund Scenarios
- Full Program Refunds: Available within first 14 days with minimal course engagement (under 20% completion)
- Partial Refunds: Prorated refunds considered for medical emergencies or significant life changes with documentation
- Technical Issues: Full refund if technical problems prevent course access for more than 72 hours
- Course Cancellation: Immediate full refund if carilnamodiuvareari cancels or significantly modifies a program
- Duplicate Purchases: Automatic refund for accidental duplicate enrollments within 30 days
Important Limitations
Refunds are not available for completed courses, programs finished more than 30 days ago, or one-on-one coaching sessions after the first meeting has occurred. Digital materials downloaded or certificates issued may affect refund eligibility.
Payment Method Considerations
Refund processing times vary by payment method. Credit and debit cards typically receive funds fastest, while bank transfers and alternative payment methods may take longer.
For international students, currency conversion rates at the time of refund processing apply. Any fees charged by your bank or payment processor for receiving refunds are not covered by carilnamodiuvareari.
Installment plan participants receive refunds proportional to payments made, minus any applicable processing fees outlined in your enrollment agreement.
Special Circumstances
We understand that life situations change. Medical emergencies, job loss, or family crises may qualify for special consideration beyond our standard refund timeline.
Documentation may be required for hardship cases. We review these requests with empathy while maintaining policy consistency for all students.
Military deployment or relocation orders are handled as special cases with flexible refund options available.
Submit Your Refund Request
Policy Updates
This refund policy is effective as of January 2025 and may be updated periodically. Changes apply to new enrollments and will be communicated to existing students when relevant to their programs.