Refund Eligibility

We understand that circumstances change, and we want you to feel confident in your investment in financial education. Our refund policy reflects our commitment to student satisfaction while maintaining the integrity of our educational programs.

• Course withdrawal requests must be submitted within 14 days of program commencement
• Student must have completed less than 25% of the total course content
• Original payment method must be verifiable and accessible
• Academic misconduct or policy violations void refund eligibility
• Corporate training programs follow separate refund terms outlined in contracts
• Early bird discounts and promotional pricing remain subject to standard refund calculations

Refund Process & Timeline

We've streamlined our refund process to make it as straightforward as possible. Here's exactly what happens when you request a refund:

Payment Method Considerations

Different payment methods have varying processing times and requirements. Here's what you need to know about refunds to your specific payment type:

Credit Card Refunds: Appear as credits on your next statement cycle, typically 5-7 business days. Some international cards may take up to 14 business days.

Bank Transfer Refunds: Direct deposits to Australian bank accounts process within 2-3 business days. International transfers may take 5-10 business days and could incur additional fees.

PayPal Refunds: Immediate credit to your PayPal balance, with subsequent transfer to your bank following PayPal's standard timeline.

Corporate Payments: Refunds to business accounts require additional verification and may take 10-15 business days depending on your organization's financial processes.

Special Circumstances

We recognize that extraordinary situations sometimes require special consideration. While our standard policy covers most scenarios, we evaluate certain circumstances on a case-by-case basis.

Medical Emergencies: Documented medical situations that prevent course completion may qualify for extended refund consideration beyond standard timeframes.

Technical Issues: If platform problems prevent access to course materials for more than 48 hours during your enrollment period, extended deadlines may apply.

Course Changes: Significant modifications to course content or schedule may trigger automatic refund eligibility regardless of completion percentage.

Duplicate Enrollments: Accidental double payments or system errors resulting in multiple enrollments qualify for immediate refund processing.

Documentation requirements vary by situation, but we work with students to find reasonable solutions when unexpected circumstances arise. Contact our support team to discuss your specific situation.

Non-Refundable Items

Certain program components and services are non-refundable due to their nature or immediate value delivery:

Physical Materials: Printed workbooks, shipped resource kits, and tangible materials that have been delivered cannot be refunded unless returned in original condition.

One-on-One Sessions: Individual coaching calls or consultation sessions that have been completed are non-refundable, even if the overall course qualifies for refund.

Certification Fees: Third-party certification processing fees paid to external organizations cannot be refunded by gaalalamoveo.

Event Tickets: Workshop attendance, seminar seats, or special event access fees are typically non-refundable within 7 days of the event date.

These items will be deducted from any eligible refund amount. We clearly identify non-refundable components during the enrollment process to avoid confusion.