Refund Policy

1. Introduction

At InvestWise, we are committed to providing high-quality investment planning services and financial guidance to our clients. This Refund Policy outlines the terms and conditions for refunds and cancellations for various services and products we offer.

By purchasing or subscribing to our services, you agree to the terms of this Refund Policy. Please read this policy carefully before making any purchases.

2. Subscription-Based Services

InvestWise offers several subscription plans for our investment advisory services, including Essential, Premium, and Elite plans as well as custom service plans.

2.1 Cooling-Off Period

We offer a 14-day cooling-off period for all new subscription services. If you are not satisfied with our service within the first 14 days of your initial subscription, you may request a full refund.

2.2 Cancellation of Ongoing Subscriptions

You may cancel your subscription at any time. Upon cancellation:

• For monthly subscriptions: No partial refunds will be provided for the current billing month. Your subscription will remain active until the end of the current billing period.
• For quarterly subscriptions: Prorated refunds may be provided for unused full months remaining in your current quarter, at our discretion.
• For annual subscriptions: Prorated refunds may be provided for unused full quarters remaining in your current year, at our discretion.

2.3 Automatic Renewals

Our subscription services automatically renew unless canceled before the renewal date. You are responsible for canceling your subscription before the renewal date to avoid being charged for the next billing period.

3. Consulting and Advisory Services

We offer one-on-one consulting sessions, portfolio reviews, and personalized advisory services.

3.1 Cancellation Before Service

If you need to cancel a scheduled consulting or advisory session:

• More than 48 hours notice: Full refund or rescheduling without penalty.
• 24-48 hours notice: 75% refund or rescheduling with a 25% rescheduling fee.
• Less than 24 hours notice: 50% refund; rescheduling subject to a 50% fee.
• No-show: No refund will be provided.

3.2 Dissatisfaction with Services

If you are dissatisfied with a completed consulting or advisory service, please contact us within 7 days of the service delivery. We will work with you to address your concerns, which may include:

• Offering a follow-up session at no additional cost
• Providing a partial or full refund, determined on a case-by-case basis

4. Workshops and Educational Events

InvestWise offers various financial education workshops, webinars, and events, both in-person and virtual.

4.1 Virtual Events

For virtual workshops and webinars:

• Cancellation 7+ days before event: Full refund
• Cancellation 3-6 days before event: 75% refund
• Cancellation less than 3 days before event: 50% refund
• No-show: No refund

If you cannot attend a live virtual event, you will typically receive access to the recording as part of your purchase. Access to recordings is not eligible for refunds after the event has taken place.

4.2 In-Person Events

For in-person workshops and events:

• Cancellation 14+ days before event: Full refund
• Cancellation 7-13 days before event: 75% refund
• Cancellation 3-6 days before event: 50% refund
• Cancellation less than 3 days before event: No refund

4.3 Event Cancellation by InvestWise

If InvestWise cancels an event, you will be offered:

• Full refund, or
• Credit towards a future event, or
• Transfer to an equivalent event on a different date

5. Digital Products and Reports

We offer digital products such as investment guides, market reports, and financial planning resources.

5.1 Downloadable Products

Due to the nature of digital products, all sales of downloadable guides, reports, templates, and other digital materials are final once the product has been downloaded or accessed.

If you have not downloaded or accessed the product and wish to request a refund, you must contact us within 7 days of purchase.

5.2 Defective Products

If a digital product is defective or materially different from its description, please contact us within 7 days of purchase with details about the issue. We will either:

• Provide a corrected version of the product, or
• Issue a full refund at our discretion

6. Refund Request Process

To request a refund, please follow these steps:

1. Contact our customer service team at support@investwise.com or call +1 (678) 847-5123
2. Provide the following information:
   • Your full name and contact information
   • Date of purchase
   • Order number or reference
   • Service/product purchased
   • Reason for requesting a refund
3. Our team will review your request and respond within 3 business days
4. If your refund is approved, it will be processed according to the payment method section below

7. Refund Payment Methods

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

• Credit/Debit Cards: Refunds typically appear on your statement within 5-10 business days, depending on your card issuer.
• Bank Transfers: Refunds via bank transfer may take 5-7 business days to process.
• Alternative Payment Methods: For purchases made through PayPal or other payment services, refunds will be processed through the same service and are subject to their processing times.

8. Exceptions and Special Circumstances

We understand that special circumstances may arise. InvestWise reserves the right to consider exceptions to this refund policy on a case-by-case basis.

8.1 Force Majeure

If you are unable to use our services due to extraordinary circumstances beyond your control (such as hospitalization, natural disaster, etc.), please contact us as soon as possible. We will work with you to find a suitable solution, which may include extending your subscription period, rescheduling services, or issuing credits for future use.

8.2 Service Quality Issues

If you experience technical difficulties or service quality issues that significantly impact your ability to use our services, please document these issues and contact our support team promptly. We will investigate and may offer appropriate compensation, which could include partial or full refunds, service credits, or extended access.

9. Changes to Refund Policy

InvestWise reserves the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. The "Last Updated" date at the top of this policy will be revised accordingly.

It is your responsibility to review this Refund Policy periodically. Your continued use of our services after any changes indicates your acceptance of the revised policy.

10. Contact Information

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

Customer Support
Email: support@investwise.com
Phone: +1 (678) 847-5123
Hours: Monday-Friday, 9:00 AM - 5:00 PM ET

Mailing Address:
InvestWise
8257 Alize Lights Apt. 472
New Fostertown, PE P7H 2S0
Canada