Refund Policy

Effective Date: January 1, 2025

Last Updated: January 1, 2025

At AI Insight Hub ("Company," "we," "us," or "our"), we are committed to providing high-quality educational services and ensuring customer satisfaction. This Refund Policy outlines the circumstances under which refunds may be issued for courses and services purchased through our website at https://aiinsighthub.com.

1. General Refund Conditions

Our refund policy is designed to be fair to both our students and our organization. We offer refunds under specific conditions as outlined in this policy. All refund requests are subject to review and approval by AI Insight Hub.

2. 14-Day Money-Back Guarantee

2.1 Eligibility

We offer a 14-day money-back guarantee for most of our courses. You are eligible for a full refund if:

• You request a refund within 14 calendar days of your purchase date
• You have accessed less than 25% of the course content
• You have not downloaded substantial course materials
• You have not completed or received any certificates
• You provide a valid reason for the refund request

2.2 How to Request

To request a refund under the 14-day guarantee:

1. Contact us at [email protected] with your order details
2. Include your full name and email address used for registration
3. Provide your order number or transaction ID
4. Briefly explain your reason for requesting a refund

3. Refund Exceptions and Non-Refundable Items

3.1 Non-Refundable Courses and Services

The following are NOT eligible for refunds:

• Courses purchased during promotional sales or at discounted prices (unless otherwise stated)
• Bundled course packages after individual courses have been accessed
• Custom or one-on-one coaching sessions after they have been scheduled or conducted
• Subscription services after the 14-day period has elapsed
• Courses where certificates have been issued
• Downloaded digital materials and resources
• Access to exclusive community forums after active participation

3.2 Special Circumstances

Refunds will NOT be granted in the following situations:

• Change of mind after completing more than 25% of course content
• Failure to complete the course within the access period
• Technical issues on the user's end (incompatible devices, internet connectivity)
• Misunderstanding of course content or expectations not aligned with course description
• Violation of our Terms and Conditions resulting in account termination
• Request made after the 14-day refund period

4. Subscription-Based Services

4.1 Monthly Subscriptions

For monthly subscription plans:

• You may cancel at any time before the next billing cycle
• Cancellation must be received at least 48 hours before renewal
• No partial refunds are provided for the current billing period
• Access continues until the end of the paid period
• First-time subscribers may request a refund within 14 days of initial purchase

4.2 Annual Subscriptions

For annual subscription plans:

• Refunds are available within 14 days of purchase if less than 25% of content accessed
• After 14 days, annual subscriptions are non-refundable
• You may cancel to prevent auto-renewal for the next year
• Pro-rated refunds are not available for unused portions of annual subscriptions

5. Course-Specific Refund Policies

5.1 Live Online Courses

For live, instructor-led courses:

• Full refund available if cancelled at least 7 days before course start date
• 50% refund available if cancelled 3-6 days before course start date
• No refund available if cancelled less than 3 days before start date
• No refund after attending the first live session

5.2 Self-Paced Online Courses

For self-paced courses, the standard 14-day money-back guarantee applies as described in Section 2.

5.3 Bootcamps and Intensive Programs

For intensive bootcamp programs:

• Full refund available if withdrawn before program start date
• No refund available once the program has commenced
• Special arrangements may be made for medical or emergency situations (documentation required)

6. Technical Issues and Service Interruptions

6.1 Platform Issues

If you experience technical difficulties with our platform:

• Contact our support team immediately at [email protected]
• We will work to resolve the issue within 48 hours
• If the issue cannot be resolved, we will extend your access period or offer appropriate compensation
• Refunds may be considered if technical issues persist beyond reasonable resolution timeframes

6.2 Content Quality Issues

If course content significantly differs from the description or contains substantial errors:

• Report the issue within 14 days of purchase
• Provide specific details about the discrepancy
• We will investigate and either correct the content or offer a refund

7. Refund Request Process

7.1 How to Submit a Request

To request a refund, follow these steps:

1. Send an email to [email protected] with the subject line "Refund Request"
2. Include the following information:
   • Your full name and email address used for registration
   • Order number or transaction ID
   • Course name(s) purchased
   • Purchase date
   • Detailed reason for the refund request
3. Allow 3-5 business days for us to review your request
4. You will receive a response via email regarding the status of your request

7.2 Review Process

Upon receiving your refund request:

• We will verify your eligibility based on this policy
• We may request additional information or documentation
• We will review your course access and usage history
• A decision will be communicated within 5-7 business days

7.3 Refund Processing

Once approved:

• Refunds are processed within 5-7 business days
• Refunds are issued to the original payment method
• It may take 7-10 business days for the refund to appear in your account (depending on your bank or payment provider)
• You will receive a confirmation email once the refund is processed
• Your access to the course will be immediately revoked upon refund approval

8. Special Circumstances

8.1 Medical or Emergency Situations

We understand that unexpected circumstances may arise. In cases of medical emergencies or other serious situations:

• Contact us as soon as possible with documentation
• We will review each case individually
• Options may include course transfer, credit for future courses, or partial refunds
• Decisions are made at our sole discretion

8.2 Course Cancellation by AI Insight Hub

If we cancel a course:

• You will receive a full refund automatically
• Alternative course options may be offered
• Refunds will be processed within 7 business days

9. Disputes and Chargebacks

We encourage you to contact us directly to resolve any issues before initiating a chargeback with your payment provider. If you file a chargeback:

• Your account will be immediately suspended pending investigation
• We will provide documentation to your payment provider
• Fraudulent chargebacks may result in permanent account termination
• You may be liable for chargeback fees and legal costs

10. Course Transfers and Credits

10.1 Course Transfers

In lieu of a refund, you may request to transfer to a different course if:

• The request is made within 14 days of purchase
• The new course is of equal or lesser value
• You have accessed less than 25% of the original course
• One-time transfers only; no subsequent transfers allowed

10.2 Course Credits

We may offer course credits instead of refunds in certain situations:

• Credits can be applied to future course purchases
• Credits are valid for 12 months from issue date
• Credits are non-transferable and non-refundable
• Credits cannot be exchanged for cash

11. Promotional and Discounted Courses

Special terms apply to courses purchased during promotions:

• Courses purchased at discounted rates may have modified refund terms
• Specific refund conditions will be clearly stated during promotional periods
• Bundle purchases may have different refund policies than individual courses
• Free courses or free trial periods are non-refundable

12. Contact Information for Refund Inquiries

13. Changes to This Refund Policy

We reserve the right to modify this Refund Policy at any time. When changes are made:

• The "Last Updated" date will be revised
• Material changes will be communicated via email to registered users
• Changes apply to purchases made after the update date
• Purchases made before policy changes remain subject to the original terms

14. Additional Terms

Please note the following additional terms:

• All refund decisions are made at the sole discretion of AI Insight Hub
• We reserve the right to refuse service to anyone who abuses our refund policy
• This Refund Policy should be read in conjunction with our Terms & Conditions and Privacy Policy
• In case of conflict between policies, the most restrictive terms apply
• This policy is governed by the laws of the State of New Jersey, United States

By purchasing our courses or services, you acknowledge that you have read, understood, and agree to this Refund Policy. We appreciate your business and are committed to providing you with a valuable educational experience.