1. Introduction

At Byermangev, we are committed to ensuring your satisfaction with our financial education courses and services. This Refund Policy outlines the terms and conditions regarding refunds for purchases made through our website byermangev.com.

By purchasing any course or product from Byermangev, you agree to be bound by this Refund Policy. Please read it carefully before making a purchase.

2. 30-Day Money-Back Guarantee

We stand behind our courses with a 30-day money-back guarantee. If you are not satisfied with your purchase, you may request a refund within 30 days of the purchase date, subject to the terms and conditions outlined in this policy.

The 30-day period begins on the date of purchase, which is the date when payment is processed and confirmed.

This guarantee is designed to allow you sufficient time to explore the course content, implement the lessons, and determine if the course meets your educational needs.

3. Eligibility for Refunds

3.1 Eligible Purchases

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

• Individual course purchases
• Course bundles or packages

3.2 Refund Conditions

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

• The refund request must be submitted within 30 days of the purchase date
• You must provide a valid reason for requesting a refund
• You must have accessed less than 30% of the course content
• You must not have completed the course or downloaded all course materials
• You must not have received a certificate of completion

3.3 Non-Refundable Items

The following purchases are not eligible for refunds:

• Individual coaching or consultation sessions that have already been conducted
• Digital products marked as non-refundable at the time of purchase
• Courses purchased as part of a promotional offer stating "no refunds"
• Courses where you have completed more than 30% of the content
• Administrative fees (if applicable)

4. How to Request a Refund

To request a refund, please follow these steps:

1. Send an email to [email protected] with the subject line "Refund Request"
2. Include the following information in your email:
   • Your full name
   • Email address used for the purchase
   • Order number or transaction ID
   • Name of the course or product purchased
   • Date of purchase
   • Reason for requesting a refund
3. Alternatively, you can submit a refund request through the "My Account" section on our website after logging in

We aim to process all refund requests within 5 business days of receiving a valid request. You will receive an email notification once your refund request has been processed.

5. Refund Processing

5.1 Refund Method

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

• Credit/debit card payments will be refunded to the same card
• Mobile money payments will be refunded to the same mobile money account
• Bank transfers will be refunded to the originating bank account

5.2 Refund Processing Time

Once approved, refunds will be processed within 5-7 business days. However, depending on your payment provider, it may take an additional 5-10 business days for the refunded amount to appear in your account.

5.3 Partial Refunds

In certain situations, we may offer partial refunds if you have consumed a significant portion of the course or if you have received partial value from the course.

5.4 Currency and Exchange Rates

All refunds will be processed in the original currency of purchase (Ghanaian Cedi - GH₵). We are not responsible for any variations in refund amounts due to currency exchange rate fluctuations or fees charged by your payment provider.

6. Course Access After Refund

Once a refund has been processed, your access to the course will be revoked immediately. This includes:

• Online access to all course materials
• Access to course discussion forums or community groups
• Any downloadable resources associated with the course
• Future updates to the course

We kindly ask that you delete any course materials you may have downloaded prior to requesting a refund, as continued use of these materials after a refund violates our Terms and Conditions.

7. Special Circumstances

7.1 Technical Issues

If you experience persistent technical issues that prevent you from accessing or completing a course, please contact our support team at [email protected]. We will make every effort to resolve these issues before considering a refund.

7.2 Course Content Concerns

If you believe the course content significantly differs from the course description or does not meet the advertised learning objectives, please provide specific details when requesting a refund. We value your feedback and will use it to improve our offerings.

7.3 Extenuating Circumstances

In cases of serious illness, bereavement, or other extenuating circumstances that prevent you from completing a course within the 30-day refund period, please contact us as soon as possible. We may extend the refund period or offer alternative solutions on a case-by-case basis.

8. Promotions and Discounted Purchases

Courses purchased with promotional discounts or special offers are subject to the same refund policy unless specifically stated otherwise in the terms of the promotion.

If you used a coupon or discount code for your purchase, only the amount you actually paid will be refunded.

For courses purchased as part of a bundle or package, the refund amount will be calculated based on the individual course value within the bundle, not the full bundle price.

9. Payment Plan Purchases

For courses purchased using our payment plan option:

• If you request a refund before making all scheduled payments, we will cancel any future payments and refund payments already made, subject to the same eligibility criteria outlined above
• If you have completed all payments in a payment plan, the standard 30-day refund period applies from the date of the first payment

Please note that administrative fees associated with payment plans are non-refundable.

10. Abuse Prevention

To maintain the integrity of our refund policy and ensure it benefits genuine customers, we monitor refund patterns. We reserve the right to:

• Refuse a refund request if we have evidence of policy abuse
• Restrict future purchases from customers with excessive refund requests
• Modify or limit access to free content or preview materials for customers with a history of refunds

Examples of refund policy abuse include, but are not limited to:

• Repeatedly purchasing courses and requesting refunds after consuming substantial content
• Sharing course materials and then requesting a refund
• Providing false information when requesting a refund

11. Changes to This Policy

We reserve the right to modify this Refund Policy at any time, with or without notice. Changes will be effective immediately upon posting on the Website. Your continued use of our services following any changes indicates your acceptance of the updated policy.

The policy in effect at the time of your purchase will apply to that transaction. We encourage you to review this policy periodically to stay informed of any updates.

12. Contact Us

If you have any questions about our Refund Policy, please contact us at:

Email: [email protected]

Phone: +233 55 441 2098

Postal address: 40 Harper Street, Kumasi, Ghana