Refund Policy
Effective Date: January 2025
At Araelzeniqora, we're committed to delivering quality financial education that helps you build genuine skills and understanding. We know that choosing a learning program is a significant decision, and we want you to feel confident about your investment.
This refund policy outlines the circumstances under which refunds are available, the process for requesting one, and what you can expect along the way. We've tried to make everything as straightforward as possible because transparency matters to us.
Who Qualifies for a Refund
Not every situation warrants a refund, but we've identified specific scenarios where we believe it's appropriate to offer one. Here's what qualifies:
- You request a refund within 14 days of enrollment and have accessed less than 20% of the course materials
- Technical issues on our end prevent you from accessing your purchased program for more than 72 consecutive hours
- We cancel or discontinue a program you've enrolled in before you've completed more than 30% of the content
- You accidentally purchase the same program twice within a 24-hour period
- Course content significantly differs from what was described at the time of purchase
Important Note: Refunds are generally not available once you've completed more than 20% of a program or after 14 days from enrollment, whichever comes first. We track course progress automatically through our learning platform.
The Refund Process
We've designed our refund process to be as simple as possible while ensuring we handle each request fairly and thoroughly.
Submit Your Request
Email us at contact@araelzeniqora.com with your enrollment details and reason for requesting a refund. Include your order number if you have it.
We Review Your Case
Our team evaluates your request within 3 business days. We'll check your enrollment date, course progress, and the specific circumstances you've described.
Decision & Communication
You'll receive an email explaining our decision. If approved, we'll outline the next steps and expected timeline for your refund.
Processing & Payment
Once approved, refunds typically take 5-10 business days to appear in your account, depending on your payment provider.
Expected Processing Times
We understand that when you're waiting for a refund, timing matters. Here's what you can reasonably expect:
Day 1-3: Initial Review
We assess your eligibility based on our policy criteria and course usage data. You'll hear from us within this window regardless of the outcome.
Day 4-6: Processing
If approved, we initiate the refund through our payment processor. This involves coordination with your bank or card provider.
Day 7-14: Completion
The refund appears in your account. The exact timing depends on your financial institution's processing schedule, which varies.
Different Refund Scenarios
The amount you receive and how quickly depends on several factors. Here's a breakdown of common situations:
| Scenario | Refund Amount | Processing Time |
|---|---|---|
| Early withdrawal (within 7 days, less than 10% completion) | 100% of course fee | 5-7 business days |
| Standard withdrawal (8-14 days, less than 20% completion) | 85% of course fee | 7-10 business days |
| Technical issues on our end | 100% of course fee | 5-7 business days |
| Program cancelled by Araelzeniqora | 100% of course fee | 5-7 business days |
| Duplicate purchase error | 100% of duplicate charge | 3-5 business days |
Payment Method Considerations
How we process your refund depends on how you originally paid. Each payment method has its own quirks and timelines.
Credit or Debit Card Payments
We process the refund back to the original card used for purchase. Your bank typically takes 5-10 business days to post the credit. Sometimes it appears as a pending transaction first before finalizing.
Bank Transfer or Direct Debit
Refunds go directly to the account you paid from. These can take slightly longer—usually 7-12 business days depending on your financial institution's processing schedule.
PayPal or Digital Wallets
Digital wallet refunds generally appear faster—often within 3-5 business days. You'll see the credit in your wallet balance, which you can then transfer to your bank if needed.
Changed Payment Methods? If the card or account you used is no longer active, let us know in your refund request. We'll work with you to arrange an alternative method, though this may add a few extra days to the process.
What Doesn't Qualify
To be upfront, there are situations where we can't offer refunds. We want to be clear about these so there are no surprises:
- Requests made more than 14 days after enrollment, unless there were technical issues we caused
- You've completed more than 20% of the course materials
- You've downloaded or saved exclusive course resources or materials
- Change of mind after actively participating in live sessions or workshops
- Personal circumstances that prevent you from completing the program (though we may offer a course extension instead)
- Purchased during a promotional period with clearly stated non-refundable terms
Special Circumstances
Life happens, and sometimes situations fall outside standard policy guidelines. We evaluate these on a case-by-case basis.
Medical or Family Emergencies
If you're facing a serious medical issue or family emergency, reach out to us. While we can't always offer refunds in these cases, we can often arrange a course freeze or transfer to a later cohort instead.
Course Extensions as an Alternative
In some situations where a refund isn't available, we might be able to extend your access period. This gives you more time to complete the program without losing your investment.
Partial Refunds
For certain bundled programs or multi-course packages, we may offer partial refunds for unused portions. This depends on the specific package structure and how much you've already accessed.
Your Course Access During the Refund Process
Once you submit a refund request, your course access remains active until we make a decision. If we approve your refund, access is removed within 24 hours of processing.
If your request is denied and you decide to continue with the program, nothing changes—you keep full access as originally provided.
Updates to This Policy
We occasionally update this refund policy to reflect changes in our programs, payment systems, or to improve clarity. When we make significant changes, we'll notify active students by email.
The "Effective Date" at the top of this page shows when the current version came into effect. Any refund requests are handled according to the policy version that was in effect at the time of your enrollment.
Questions About Refunds?
If something isn't clear or you have a specific situation you'd like to discuss, we're here to help. Sometimes the best approach is just to have a conversation about your particular circumstances.