Refund Policy

Last Updated: January 2025

At Finance Wisdom Store (operated by Aajmala Enterprises, Registration No: 57324067), we stand behind the quality of our financial education products. We want you to be completely satisfied with your purchase. This Refund Policy outlines the terms and conditions for requesting refunds on products purchased from aajmalaenterprises.com.

1. Eligibility for Refunds

1.1 Eligible Products

The following products are eligible for refunds under our 30-day money-back guarantee:

• Complete Investment Mastery Guide ($149.99)
• Personal Finance Workbook Series ($89.99)
• Wealth Building Masterclass ($299.99)
• Tax Planning Toolkit ($129.99)
• Retirement Planning Blueprint ($179.99)
• All other digital educational products unless specifically marked as non-refundable

1.2 Refund Period

To be eligible for a refund, your request must be submitted within 30 calendar days from the date of purchase. The purchase date is defined as:

• The date of payment confirmation
• The date shown on your order confirmation email
• The date recorded in our system

1.3 Eligibility Requirements

To qualify for a refund, you must meet the following conditions:

• Submit your refund request within the 30-day refund period
• Provide a valid order number or proof of purchase
• Use the original email address associated with the purchase
• Provide a brief explanation of your dissatisfaction (optional but helpful)
• Not have violated our Terms & Conditions
• Not have engaged in fraudulent or abusive behavior

2. Non-Refundable Items and Situations

2.1 Non-Refundable Products

The following items are NOT eligible for refunds:

• Products purchased more than 30 days ago
• Promotional or heavily discounted products marked as "final sale"
• Gift certificates or store credit
• Third-party products or services
• Subscription renewals (must be canceled before renewal date)
• Physical products that have been opened or used (unless defective)

2.2 Refund Abuse

Refunds will be denied in cases of abuse or violation, including:

• Multiple refund requests from the same customer
• Evidence of sharing or distributing purchased materials
• Completing the entire course or consuming all materials before requesting refund
• Requesting refunds for competitive or malicious purposes
• Providing false information or fraudulent claims
• Violating intellectual property rights
• Chargebacks filed without first contacting us

3. How to Request a Refund

3.1 Refund Request Process

To request a refund, please follow these steps:

1. Contact Customer Support
   • Email: [email protected]
   • Phone: +93230644310
   • Subject line: "Refund Request - [Order Number]"
2. Provide Required Information
   • Full name
   • Order number or transaction ID
   • Email address used for purchase
   • Date of purchase
   • Product name(s)
   • Reason for refund (optional but appreciated)
3. Wait for Confirmation
   • We will acknowledge your request within 48 business hours
   • Our team will review your eligibility
   • You will receive a confirmation email once approved or denied
4. Refund Processing
   • Approved refunds are processed within 5-7 business days
   • Funds are returned to your original payment method
   • You will receive a refund confirmation email

3.2 Required Documentation

In some cases, we may require additional documentation:

• Proof of purchase (if order cannot be located)
• Screenshot of payment confirmation
• Details about product issues or defects
• Evidence of technical problems preventing access

4. Refund Processing

4.1 Processing Timeline

Once your refund is approved:

• Digital Products: 5-7 business days to process
• Credit Card Refunds: 5-10 business days to appear on statement
• Debit Card Refunds: 7-14 business days to appear in account
• Bank Transfer Refunds: 10-15 business days
• Digital Wallet Refunds: 3-7 business days

4.2 Refund Methods

Refunds are issued to the original payment method used for purchase:

• If paid by credit card, refund goes back to that credit card
• If paid by debit card, refund goes back to that debit card
• If paid by digital wallet, refund goes to that wallet
• If original payment method is unavailable, alternative arrangements may be made

4.3 Partial Refunds

In certain situations, partial refunds may be granted:

• Bundled products where only some items are unsatisfactory
• Subscription services canceled mid-cycle (prorated)
• Products with missing components or features
• As a goodwill gesture for specific circumstances

4.4 Refund Confirmation

You will receive confirmation when:

• Your refund request is received
• Your refund is approved or denied
• Your refund is processed
• Your access to purchased materials is revoked

5. Access Revocation

Upon refund approval:

• Your access to the refunded product(s) will be immediately revoked
• You must delete all downloaded materials
• You may no longer use or reference the content
• Account access may be restricted if multiple refunds are requested
• Any certificates or credentials earned will be invalidated

6. Technical Issues and Product Defects

6.1 Technical Support First

Before requesting a refund for technical issues, please contact our support team:

• We will attempt to resolve technical problems
• Alternative access methods may be provided
• Replacement downloads can be issued
• Account issues will be investigated

6.2 Defective Products

If a product is defective or does not match its description:

• Contact us immediately with details of the issue
• Provide screenshots or evidence of the problem
• We will offer a replacement or full refund
• Expedited refunds may be processed for clear defects

7. Subscription Refunds

7.1 Subscription Services

For subscription-based products:

• Initial subscription purchases are covered by the 30-day guarantee
• Renewal charges are refundable if canceled within 7 days of renewal
• Cancel before renewal date to avoid charges
• Prorated refunds may be available for annual subscriptions

7.2 Cancellation Process

To cancel a subscription:

• Log into your account
• Navigate to subscription management
• Select "Cancel Subscription"
• Or contact customer support for assistance

8. Chargebacks and Disputes

8.1 Contact Us First

8.2 Chargeback Consequences

If you file a chargeback without first contacting us:

• Your account will be suspended immediately
• Access to all products will be revoked
• You may be banned from future purchases
• We will provide evidence to your financial institution
• Legal action may be pursued for fraudulent chargebacks

8.3 Dispute Resolution

We are committed to fair dispute resolution:

• We will work with you to address concerns
• Flexible solutions may be available
• Mediation is preferred over chargebacks
• Most issues can be resolved within 48 hours

9. Exchange and Store Credit

9.1 Product Exchanges

Instead of a refund, you may request an exchange:

• Exchange for a different product of equal or lesser value
• Price difference is refunded or carried as store credit
• Exchange requests must be made within 30 days
• Some restrictions apply to promotional items

9.2 Store Credit

As an alternative to refunds, we may offer store credit:

• Credit can be used for future purchases
• No expiration date on store credit
• Credit is non-transferable
• Store credit may be offered for refunds beyond 30 days (at our discretion)

10. Special Circumstances

10.1 Hardship Cases

We understand that unexpected situations arise. If you experience:

• Medical emergencies
• Financial hardship
• Natural disasters
• Other extenuating circumstances

Please contact us to discuss your situation. We may be able to accommodate special requests on a case-by-case basis.

10.2 Bulk or Business Purchases

For institutional or bulk purchases:

• Custom refund terms may be negotiated
• Contact our business team for special arrangements
• Different timelines may apply
• Volume discounts may affect refund eligibility

11. International Customers

11.1 Currency Conversions

For international purchases:

• Refunds are processed in US Dollars (USD)
• Currency conversion rates may vary between purchase and refund
• Exchange rate differences are not compensated
• Your financial institution's fees are your responsibility

11.2 International Transaction Fees

Please note:

• International transaction fees are non-refundable
• You are responsible for any fees charged by your bank
• Currency conversion fees may apply twice (purchase and refund)

12. Customer Responsibilities

To ensure smooth refund processing, you are responsible for:

• Providing accurate contact and payment information
• Checking spam/junk folders for refund communications
• Responding to requests for additional information promptly
• Deleting all downloaded materials after refund approval
• Ceasing use of all refunded products
• Contacting us if refund is not received within stated timeframe

13. Our Commitment to Customer Satisfaction

At Finance Wisdom Store, customer satisfaction is our priority. We are committed to:

• Providing high-quality educational products
• Processing refunds fairly and promptly
• Continuously improving our products based on feedback
• Offering excellent customer support
• Standing behind our 30-day money-back guarantee
• Treating all customers with respect and professionalism

14. Changes to Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective upon:

• Posting the updated policy on our website
• Updating the "Last Updated" date
• Sending notification emails for significant changes

The policy in effect at the time of purchase governs that transaction. We encourage you to review this policy periodically.

15. Contact Information

16. Legal Rights

This Refund Policy does not affect your statutory rights as a consumer. Depending on your location, you may have additional rights under consumer protection laws. This policy works in conjunction with, not in replacement of, any legal rights you may have.

17. Feedback and Improvements

Your feedback is valuable to us. When requesting a refund, please share:

• What aspects of the product didn't meet your expectations
• Suggestions for improvement
• Features you would like to see
• Your overall experience with our service

We use customer feedback to continuously improve our products and services.

18. Acknowledgment

By making a purchase from Finance Wisdom Store, you acknowledge that you have read, understood, and agree to this Refund Policy. This policy is part of our Terms & Conditions and constitutes a binding agreement between you and Aajmala Enterprises.

Thank you for choosing Finance Wisdom Store. We appreciate your business and are committed to your satisfaction.