Refund Policy

At Cogniive, we are committed to your satisfaction and learning success. This Refund Policy explains our policies regarding refunds, cancellations, and related matters for courses and subscription services purchased through our platform.

1. Eligibility for Refunds

Individual Course Purchases

You are eligible for a full refund if:

• You request the refund within 30 days of purchase
• You have completed less than 30% of the course content
• You have not received a completion certificate
• The course has significant technical issues that we cannot resolve

Subscription Plans

For subscription-based access:

• You may cancel your subscription at any time
• New subscriptions are eligible for a full refund within 7 days of the first payment
• Cancellation takes effect at the end of the current billing period
• No refunds for partial billing periods after the initial 7-day window

Bundle Purchases

For course bundles or learning paths:

• The 30-day refund window applies from the date of purchase
• You must have completed less than 30% of any course in the bundle
• Partial refunds for individual courses within a bundle are not available

2. Non-Refundable Items

The following are not eligible for refunds:

• Courses where you have completed more than 30% of the content
• Courses for which you have received a completion certificate
• Subscription renewals after the initial 7-day period
• Gift card purchases (non-transferable and non-refundable)
• Special promotional offers or discounted courses (unless specifically stated)
• Third-party services or tools purchased through our platform
• Mentorship or coaching sessions that have already occurred
• Corporate or enterprise plans (subject to separate agreements)

3. How to Request a Refund

To request a refund, please follow these steps:

1. Log into your account on the Cogniive platform
2. Navigate to your purchase history in account settings
3. Click "Request Refund" next to the eligible purchase
4. Select a reason for the refund (optional but helpful)
5. Submit your request

Alternatively, you can contact our support team directly:

• Email: refunds@cogniive.com
• Subject: Refund Request - [Order Number]
• Include: Your account email, order number, and reason for refund

4. Refund Processing

Processing Time

Once your refund request is received and approved:

• Review: We will review your request within 2-3 business days
• Approval: Eligible refunds are automatically approved
• Processing: Refunds are processed within 5-7 business days
• Bank Processing: Additional 3-10 business days depending on your bank

Refund Method

Refunds will be issued using the same payment method used for the original purchase:

• Credit/debit card purchases: Refunded to the original card
• PayPal purchases: Refunded to your PayPal account
• Other payment methods: Refunded using the original payment method

Notification

You will receive email notifications at each stage:

• Confirmation that we received your request
• Approval or denial of your refund
• Confirmation when the refund has been processed

5. Course Access After Refund

Once a refund is processed:

• Your access to the course will be immediately revoked
• You will lose access to all course materials and resources
• Any certificates earned will be invalidated
• Progress and course data will be deleted after 30 days
• You may repurchase the course at any time in the future

6. Subscription Cancellation

How to Cancel

You can cancel your subscription at any time through:

• Your account settings → Subscription → Cancel Subscription
• Contacting our support team at support@cogniive.com

What Happens When You Cancel

• Immediate Cancellation: No further charges will be made
• Access Period: You retain access until the end of your current billing period
• No Prorated Refunds: Partial period refunds are not provided
• Reactivation: You can reactivate your subscription at any time

Subscription Refund Window

For new subscriptions:

• 7-day full refund available for first-time subscribers
• Request must be made within 7 days of the initial charge
• Full refund of the subscription fee
• Access will be immediately terminated upon refund

7. Technical Issues and Course Quality

If you experience technical problems or quality issues:

Report the Issue First

Before requesting a refund due to technical issues:

• Contact our technical support team
• Allow us 48-72 hours to resolve the issue
• Try accessing the course on different devices/browsers
• Check our system status page for known issues

Refund for Unresolved Issues

If we cannot resolve significant technical issues that prevent you from accessing or using the course within a reasonable timeframe, you will be eligible for a full refund regardless of the 30-day window or completion percentage.

8. Promotional Offers and Discounts

For courses purchased with promotional codes or during sales:

• Standard refund policies apply
• Refund amount is based on the price you actually paid
• Promotional codes cannot be reused after a refund
• Some special promotions may have different refund terms (clearly stated at purchase)

9. Corporate and Enterprise Accounts

Corporate or enterprise accounts are subject to separate terms:

• Refund policies are outlined in your enterprise agreement
• Contact your account manager for refund requests
• Custom terms may apply based on your contract

10. Chargebacks and Disputes

If you initiate a chargeback with your credit card company:

• Your account will be immediately suspended
• We encourage you to contact us first to resolve any issues
• Chargebacks may result in additional fees
• Unauthorized chargebacks may result in permanent account termination

11. Exceptions and Special Circumstances

We understand that special circumstances may arise. We may grant exceptions to this policy in cases of:

• Medical emergencies (documentation may be required)
• Military deployment
• Natural disasters or force majeure events
• Death of the account holder
• Other extraordinary circumstances at our discretion

To request an exception, please contact us at refunds@cogniive.com with supporting documentation.

12. Course Updates and Changes

If we significantly change or discontinue a course you've purchased:

• You will be notified at least 30 days in advance
• You will have the option to request a prorated refund
• We may offer comparable replacement courses at no additional cost
• Your purchase history and certificates remain valid

13. Instructor-Led Programs and Live Sessions

For instructor-led courses, bootcamps, or live sessions:

• Full refund available if cancelled at least 7 days before the start date
• 50% refund if cancelled 3-6 days before the start date
• No refund if cancelled less than 72 hours before the start date
• No refund after the program has started
• Exceptions may be made for emergency situations

14. Contact Us

If you have questions about our Refund Policy or need assistance with a refund request:

Email: refunds@cogniive.com
Support Email: support@cogniive.com
Phone: +1 (555) 123-4567
Hours: Monday-Friday, 9 AM - 6 PM PST
Address: Cogniive Inc., 123 AI Avenue, San Francisco, CA 94103, USA

15. Changes to This Policy

We may update this Refund Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Significant changes will be communicated via email. Changes do not apply retroactively and will not affect purchases made before the changes take effect.

16. Related Policies

This Refund Policy should be read in conjunction with:

• Terms of Service
• Privacy Policy
• Course-specific terms (if applicable)