1. Introduction
This Refund Policy outlines the terms and conditions regarding refunds for products and services offered by Canadian Market Investment Blog ("we," "our," or "us"). By purchasing any products or services from our website at canadianinvestmentblog.com, you agree to the terms of this Refund Policy.
We are committed to providing high-quality investment information and educational content. However, we understand that circumstances may arise where a refund may be warranted. This policy explains our refund procedures and eligibility requirements.
2. Subscription Services
2.1 Premium Content Subscriptions
For monthly subscription services:
- You may cancel your subscription at any time by logging into your account or contacting our customer support team.
- Upon cancellation, you will continue to have access to premium content until the end of your current billing period.
- We do not provide partial refunds for unused portions of the current billing period.
- If you cancel within the first 14 days of your initial subscription, you may request a full refund. This 14-day money-back guarantee applies only to first-time subscribers.
2.2 Annual Subscriptions
For annual subscription services:
- Annual subscriptions may be eligible for a prorated refund if canceled within the first 30 days of the subscription period.
- After 30 days, annual subscriptions are generally non-refundable except in special circumstances as determined at our discretion.
- Cancellations of annual subscriptions after 30 days will remain active until the end of the paid subscription period but will not automatically renew.
2.3 Automatic Renewals
Our subscription services automatically renew at the end of each billing period unless canceled prior to the renewal date. By subscribing, you authorize us to charge your payment method for the subscription fee at the then-current rate.
Refunds for charges resulting from failure to cancel a subscription before the renewal date are provided at our discretion and may be limited to special circumstances.
3. Digital Products
3.1 Investment Guides and E-Books
For one-time purchases of digital products such as investment guides and e-books:
- Due to the nature of digital products that can be downloaded or accessed immediately, all sales are generally final.
- We may issue a full refund within 14 days of purchase if you have not downloaded or accessed the digital content and provide a valid reason for the refund request.
- If the digital product is found to contain significant errors or is materially different from what was advertised, you may be eligible for a refund within 30 days of purchase. Documentation of the issues must be provided.
3.2 Webinars and Online Courses
For webinars and online courses:
- Refunds for live webinars may be requested up to 48 hours before the scheduled event time.
- For recorded webinars and online courses, a full refund may be issued within 14 days of purchase if you have not viewed more than 25% of the content.
- If technical issues prevent you from accessing the webinar or course, please contact us within 24 hours of the issue for assistance or a potential refund.
4. Investment Newsletter Services
For investment newsletter subscriptions:
- Monthly newsletter subscriptions can be canceled at any time but are not eligible for partial refunds of the current month.
- Annual newsletter subscriptions may be eligible for a prorated refund if canceled within 30 days of the start of the subscription.
- First-time subscribers to our investment newsletters are covered by a 30-day satisfaction guarantee. If you're not satisfied, contact us within 30 days of your initial subscription for a full refund.
Note: Investment newsletters containing market-sensitive information or time-sensitive investment recommendations may have more restrictive refund policies due to the nature of the information provided.
5. Consulting Services
For personalized investment consulting services:
- Deposits for consulting services are non-refundable unless we are unable to provide the agreed-upon services.
- Cancellations made more than 48 hours before a scheduled consultation may be eligible for a full refund less a 15% administrative fee.
- Cancellations made less than 48 hours before a scheduled consultation are not eligible for a refund but may be rescheduled within 30 days, subject to availability.
- If you are dissatisfied with the quality of the consulting services provided, please contact us within 7 days of the service to discuss potential partial refunds or additional services to address your concerns.
6. Events and Workshops
For investment workshops, seminars, and events:
- Cancellations made 14 or more days before the event date may receive a full refund less a 10% administrative fee.
- Cancellations made 7-13 days before the event date may receive a 50% refund.
- Cancellations made less than 7 days before the event date are not eligible for a refund.
- In all cases, you may transfer your registration to another person at no additional cost by notifying us prior to the event.
- If we cancel or reschedule an event, you will be offered the option of a full refund or transfer to the rescheduled event.
7. Exceptions and Special Circumstances
We understand that exceptional circumstances may sometimes require exceptions to our standard refund policy. The following situations may warrant special consideration:
- Technical Issues: If you experience significant technical problems that prevent you from accessing or using our products or services, and our technical support team cannot resolve these issues within a reasonable timeframe.
- Duplicate Purchases: If you accidentally purchase the same product or service twice, we will refund the duplicate purchase upon verification.
- Unauthorized Purchases: If unauthorized charges appear on your account, contact us immediately for investigation and potential refund.
- Service Unavailability: If our services are unavailable for an extended period and we cannot provide the promised content or features.
- Health or Personal Emergencies: In cases of serious illness or emergencies that prevent you from using our services, we may consider exceptions to our refund policy with appropriate documentation.
Refund requests based on these exceptions will be evaluated on a case-by-case basis and may require supporting documentation.
8. How to Request a Refund
To request a refund, please follow these steps:
- Contact our customer support team at info@canadianinvestmentblog.com or call us at +447046154495.
- Provide your order number, purchase date, and the email address used for the purchase.
- Explain the reason for your refund request.
- Include any relevant supporting documentation if applicable.
We will review your request and respond within 3-5 business days. If your refund is approved, it will be processed to the original payment method used for the purchase. Depending on your payment provider, it may take 5-10 business days for the refund to appear in your account.
9. Discretionary Refunds
In certain situations, we may issue discretionary refunds that fall outside of the policies outlined above. These decisions are made on a case-by-case basis and are at the sole discretion of Canadian Market Investment Blog.
Factors we consider when evaluating discretionary refund requests include:
- Customer purchase history and relationship
- Nature and validity of the concerns with the product or service
- Time elapsed since purchase
- Attempts to resolve the issue through other means
Please note that discretionary refunds are not guaranteed and are considered exceptions to our standard policy.
10. No Refunds for Market Performance
Our educational content, investment newsletters, and market analysis are provided for informational and educational purposes only. We do not guarantee any specific investment results or returns. Refunds will not be issued based on the performance of investments or market movements.
We cannot and do not provide refunds if:
- You experience investment losses by following information or recommendations in our content
- Market conditions change after our analysis or recommendations are published
- You disagree with our investment perspective or analysis
- Investment outcomes differ from your expectations
By purchasing our products or services, you acknowledge that all investments involve risk, including the potential loss of principal, and that past performance does not guarantee future results.
11. Updates to This Policy
We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting the updated policy on our website. We encourage you to review this policy periodically for any changes. Your continued use of our services after such modifications will constitute your acknowledgment and acceptance of the modified policy.
12. Contact Us
If you have any questions about our Refund Policy, please contact us at:
