Refund Policy

Effective Date: January 15, 2025

This Refund Policy explains the terms and conditions under which AssetGrowth ("we," "us," or "our") provides refunds for services purchased through our website assetgrowth.site (the "Site"). Please read this policy carefully before making any purchase.

1. Overview of Services

AssetGrowth provides various educational services and resources, including but not limited to:

• Educational white papers and guides (free downloads)
• Premium educational content and courses (if applicable)
• Consultation services
• Newsletter subscriptions
• Educational webinars and workshops

2. Free Educational Content

The following resources are provided at no cost and therefore are not subject to refunds:

• Blog articles and investment insights
• White paper downloads
• Educational email newsletters
• General website content and resources

While these resources are free, we reserve the right to discontinue or modify access at any time without notice.

3. Consultation Services

3.1 Initial Consultations

First-time consultations are typically provided complimentary to help us understand your needs and determine how we can assist you. No payment is required, and therefore no refund is applicable.

3.2 Paid Consultation Services

If you purchase paid consultation services:

• Cancellation Before Service: You may cancel scheduled consultations up to 48 hours before the appointment for a full refund
• Late Cancellation: Cancellations made less than 48 hours before the appointment are subject to a 50% cancellation fee
• No-Shows: Failure to attend a scheduled consultation without prior notice results in forfeiture of the full payment
• Rescheduling: You may reschedule one time at no charge with at least 48 hours notice

3.3 Post-Service Refunds

Once a consultation has been completed, refunds are generally not provided. However, we will consider refund requests on a case-by-case basis if:

• Technical issues prevented service delivery through no fault of the client
• The consultant failed to appear for the scheduled appointment
• Service quality was substantially below reasonable expectations

4. Digital Products and Premium Content

4.1 Digital Downloads

For any paid digital products (e-books, special reports, premium guides):

• Pre-Download: Full refund available if you request cancellation before downloading the product
• Post-Download: Due to the nature of digital products, refunds are generally not available once the product has been downloaded or accessed
• Defective Products: If a digital product is defective, corrupted, or inaccessible, we will provide a replacement or full refund

4.2 Online Courses and Webinars

If we offer paid online courses or webinars:

• Before Access: Full refund available if requested before you access any course materials
• Within 7 Days: Partial refund (75%) available within 7 days of purchase if less than 25% of content has been accessed
• After 7 Days: No refunds available after 7 days from purchase date
• Satisfaction Guarantee: If you're not satisfied with the quality of the course, contact us within the refund period to discuss your concerns

5. Subscription Services

For any subscription-based services (premium newsletters, ongoing access to resources):

5.1 Monthly Subscriptions

• You may cancel at any time; cancellation takes effect at the end of the current billing period
• No refunds for partial months
• You will retain access to subscription benefits until the end of the paid period

5.2 Annual Subscriptions

• Within 30 Days: Full refund available if requested within 30 days of initial purchase
• After 30 Days: Prorated refund for remaining months, minus a $25 administrative fee
• After 6 Months: No refunds available after 6 months from purchase date

6. Refund Request Process

To request a refund, follow these steps:

1. Contact Us: Email [email protected] with "Refund Request" in the subject line
2. Provide Information: Include your name, email address used for purchase, order/transaction number, purchase date, and reason for refund request
3. Await Response: We will review your request and respond within 3-5 business days
4. Resolution: If approved, refunds will be processed within 7-10 business days to the original payment method

7. Refund Eligibility Requirements

To be eligible for a refund, you must:

• Submit your refund request within the applicable time frame
• Provide proof of purchase (receipt, order confirmation, or transaction ID)
• Not have violated our Terms and Conditions
• Provide a valid reason for the refund request
• Have made a good faith effort to resolve any issues with our support team first

8. Non-Refundable Items and Services

The following are not eligible for refunds under any circumstances:

• Completed consultation services
• Customized or personalized content created specifically for you
• Services already rendered in full
• Products purchased through third-party platforms (refunds must be requested through those platforms)
• Gift certificates or promotional credits
• Fees paid to third-party providers or payment processors

9. Refund Methods

Approved refunds will be issued using the following methods:

We reserve the right to issue refunds as account credits for future services if the original payment method is no longer valid or available.

10. Partial Refunds

In certain situations, we may offer partial refunds:

• When service was partially delivered but not completed
• When you've accessed some but not all content within the refund period
• As a goodwill gesture when full refund criteria aren't met but we recognize legitimate concerns
• For subscription services cancelled mid-period (prorated amount)

Partial refund amounts are determined at our sole discretion based on the specific circumstances.

11. Disputed Charges and Chargebacks

If you dispute a charge with your payment provider or issue a chargeback:

• We encourage you to contact us first to resolve any billing issues
• Initiating a chargeback may result in immediate suspension of service access
• We reserve the right to provide evidence to your financial institution supporting the legitimacy of the charge
• Frivolous chargebacks may result in permanent account termination
• You may be liable for chargeback fees and associated costs if the chargeback is deemed unjustified

12. Modification of Services

We reserve the right to:

• Modify, suspend, or discontinue any service at any time
• Change pricing for future purchases (existing purchases remain at original price)
• Update content and materials without notice

If we substantially change or discontinue a service you've purchased, we will make reasonable efforts to provide suitable alternatives or prorated refunds where appropriate.

13. Exceptions and Special Circumstances

13.1 Technical Issues

If technical problems on our end prevent you from accessing purchased services:

• Report the issue to our support team immediately
• We will work diligently to resolve technical problems
• If we cannot resolve the issue within a reasonable timeframe, a full refund will be provided

13.2 Force Majeure

In the event of circumstances beyond our control (natural disasters, pandemics, government actions, etc.) that prevent service delivery:

• We will make reasonable efforts to reschedule or provide alternative arrangements
• Refunds may be provided on a case-by-case basis if rescheduling is not possible

14. European Union Consumers

If you are located in the European Union, you have a 14-day right of withdrawal for online purchases under EU law. However, this right does not apply to:

• Digital content once delivery has begun with your consent
• Sealed audio/video recordings or software if unsealed
• Services fully performed with your explicit consent before the withdrawal period ends

To exercise your right of withdrawal, contact us within 14 days of purchase.

15. Customer Satisfaction Commitment

While this policy outlines our formal refund terms, we are committed to customer satisfaction. If you have concerns about any purchase:

• Contact us first before requesting a refund
• We may offer alternatives such as service credits, rescheduling, or additional support
• We evaluate each situation individually and may provide accommodations beyond this policy when warranted

16. Changes to This Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to the Site. The "Effective Date" at the top of this page indicates when the policy was last updated. Purchases made before policy changes remain subject to the policy in effect at the time of purchase.

17. Contact Information

18. Governing Law

This Refund Policy is governed by the laws of France. Any disputes arising from refund requests or this policy shall be resolved in accordance with French law and subject to the jurisdiction of French courts.

19. Acknowledgment

By making a purchase on our Site, you acknowledge that:

• You have read and understood this Refund Policy
• You agree to be bound by its terms
• You understand the refund time limits and conditions
• You will contact us to resolve any issues before disputing charges

We strive to provide valuable educational content and services. If you're not satisfied with any purchase, please reach out to us so we can make it right. Your satisfaction and trust are important to us.

Last Updated: January 15, 2025