require_once __DIR__ . '/../../app/bootstrap.php';
$activeNav = 'about';
$sections = dynamic_content_block('refund_policy', [
[
'title' => '1. Overview',
'body' => 'This Refund and Cancellation Policy explains when and how refunds may be requested for Examify subscriptions, purchases, and other paid services. By purchasing or subscribing to Examify, you acknowledge and agree to this policy, together with the Examify Terms of Service and Privacy Policy.'
],
[
'title' => '2. Scope of This Policy',
'body' => 'This policy applies to payments made directly to Examify for subscriptions, premium features, examination-preparation plans, digital learning products, and other paid services offered through the Examify platform. Where a purchase is made through a third-party marketplace, payment provider, app store, or other external platform, the refund rules of that platform may also apply.'
],
[
'title' => '3. Subscription Plans',
'body' => 'Examify may offer monthly, annual, one-time, promotional, or other subscription plans. The applicable price, billing frequency, features, usage limits, and renewal terms are displayed at the time of purchase. Refund eligibility may depend on the type of plan purchased and the amount of the Service already used.'
],
[
'title' => '4. Free Trials and Promotional Access',
'body' => 'Where Examify offers a free trial, discounted trial, promotional period, or complimentary access, the specific terms displayed at the time of activation will apply. If a free trial automatically converts into a paid subscription, you are responsible for cancelling before the trial ends if you do not wish to be charged, unless otherwise stated. Promotional access may have different cancellation and refund conditions.'
],
[
'title' => '5. Standard Refund Eligibility',
'body' => 'Subject to applicable law, Examify may provide a refund where a user submits a valid refund request within the applicable refund period and has not materially used the paid Service. Refund eligibility may take into account the date of purchase, subscription type, amount of platform usage, number of questions attempted, mock examinations completed, premium features used, and other relevant circumstances.'
],
[
'title' => '6. Recommended Refund Request Period',
'body' => 'Unless a longer period is required by applicable law or expressly stated for a particular product, refund requests should be submitted within seven (7) calendar days of the original purchase or subscription charge. Requests submitted after this period may be declined, particularly where the Service has been substantially used.'
],
[
'title' => '7. Digital Services and Usage',
'body' => 'Because Examify provides digital educational services that may become immediately accessible after payment, access to premium content or features may affect refund eligibility. This may include accessing premium questions, completing mock examinations, using AI study tools, receiving writing or speaking feedback, generating study plans, viewing premium analytics, or otherwise substantially using the paid Service.'
],
[
'title' => '8. Refunds for Unused Subscriptions',
'body' => 'Where permitted by applicable law, Examify may approve a refund for a subscription that has not been materially used. The amount refunded may depend on the circumstances of the request, the subscription terms, and the applicable payment and consumer-protection requirements.'
],
[
'title' => '9. Partial Refunds',
'body' => 'Examify may, at its discretion and where permitted by law, provide a partial refund where a user has used part of a paid Service but there are reasonable grounds for a refund. Any partial refund will be determined based on the circumstances, the amount of Service used, the applicable subscription terms, and any mandatory legal rights.'
],
[
'title' => '10. Refunds After Substantial Use',
'body' => 'A refund request may be declined where the user has substantially used the paid Service. Examples of substantial use may include completing a significant number of premium questions, completing multiple mock examinations, extensively using AI features, accessing premium study plans, receiving substantial writing or speaking feedback, or otherwise consuming a significant portion of the purchased Service.'
],
[
'title' => '11. Accidental Purchases',
'body' => 'If you believe that you made a purchase accidentally, contact Examify as soon as possible. Refunds for accidental purchases are considered on a case-by-case basis. If the purchased Service has already been substantially accessed or used, the request may not qualify for a refund unless required by applicable law.'
],
[
'title' => '12. Duplicate Charges',
'body' => 'If you believe that you have been charged more than once for the same subscription or transaction, please contact Examify with the relevant transaction information. Where a duplicate charge is confirmed, Examify will take reasonable steps to correct the duplicate billing and issue an appropriate refund.'
],
[
'title' => '13. Unauthorised Transactions',
'body' => 'If you believe a payment was made without your authorisation, contact Examify immediately and, where appropriate, your bank or payment provider. Examify may investigate the transaction and may request information reasonably necessary to verify the claim. Fraudulent or abusive refund claims may result in account suspension or termination.'
],
[
'title' => '14. Subscription Renewal Charges',
'body' => 'If your subscription automatically renews, you are responsible for cancelling it before the renewal date if you no longer wish to use the Service. A renewal charge does not automatically qualify for a refund merely because the user did not intend to continue the subscription. However, Examify may consider refund requests for recent renewal charges on a case-by-case basis, subject to applicable law and the extent to which the renewed Service has been used.'
],
[
'title' => '15. Cancellation Does Not Automatically Mean Refund',
'body' => 'Cancelling a subscription normally prevents future renewal but does not automatically reverse a payment that has already been processed. Unless otherwise required by law or provided under this policy, you may retain access to the paid Service until the end of the applicable paid period.'
],
[
'title' => '16. Refunds for Technical Problems',
'body' => 'If you are unable to access a paid Service because of a technical issue attributable to Examify, you should contact support before requesting a refund. Examify will make reasonable efforts to investigate and resolve the issue. Where the problem cannot reasonably be resolved and materially prevents access to the purchased Service, Examify may provide an extension, account credit, partial refund, or full refund depending on the circumstances.'
],
[
'title' => '17. Temporary Service Outages',
'body' => 'Temporary interruptions, scheduled maintenance, short-term outages, internet connectivity problems, third-party infrastructure failures, device problems, browser issues, or other circumstances outside Examify’s reasonable control do not automatically qualify for a refund. Examify will make reasonable efforts to restore access as soon as practicable.'
],
[
'title' => '18. Examination Results Do Not Qualify for Refunds',
'body' => 'Examify does not guarantee that a learner will pass an examination, achieve a particular score, obtain a particular IELTS band, receive a specific SAT score, pass a CCNA examination, or achieve any other academic or professional outcome. Failure to achieve a desired examination result does not by itself create a right to a refund.'
],
[
'title' => '19. AI-Generated Results and Refunds',
'body' => 'AI-generated questions, explanations, recommendations, writing feedback, speaking feedback, study plans, analytics, or other AI-assisted features are educational tools and may occasionally contain inaccuracies. The presence of an error or an AI response that does not meet a user’s expectations does not automatically qualify for a refund. Where a technical malfunction materially prevents the use of an advertised AI feature, Examify may investigate the issue and provide an appropriate remedy where justified.'
],
[
'title' => '20. Incorrect Expectations About the Service',
'body' => 'Refunds are not generally provided solely because a user expected the Service to operate differently from the features, limitations, pricing, or examination coverage displayed at the time of purchase. Users should review the applicable plan description, pricing information, supported examinations, and feature limitations before completing a purchase.'
],
[
'title' => '21. Change of Mind',
'body' => 'A change of mind after purchase does not automatically create a right to a refund. However, where the request is submitted within the applicable refund period and the Service has not been materially used, Examify may consider the request in accordance with this policy and applicable consumer-protection laws.'
],
[
'title' => '22. Promotional and Discounted Purchases',
'body' => 'Promotional, discounted, introductory, coupon-based, scholarship, partner, referral, or special pricing may be subject to additional conditions. Unless otherwise stated, the refund amount for a qualifying promotional purchase will be based on the actual amount paid rather than the standard retail price.'
],
[
'title' => '23. Gift or Promotional Accounts',
'body' => 'Accounts, credits, subscriptions, or access provided free of charge or as part of a promotion may not have cash value and may not be refundable. Where a paid subscription is provided to another user as a gift or promotional purchase, the original purchaser should contact Examify regarding any applicable refund request.'
],
[
'title' => '24. Currency Conversion and Bank Charges',
'body' => 'Where a refund is issued in a currency different from the currency used by your bank or payment provider, the amount received may vary because of exchange-rate fluctuations, bank charges, card-network fees, or payment-provider conversion practices. Examify is generally responsible only for refunding the amount approved under this policy and is not responsible for losses caused solely by currency conversion or third-party financial charges, except where required by law.'
],
[
'title' => '25. Taxes and Refunds',
'body' => 'Where applicable, refunds of taxes, duties, or other government-imposed charges will be handled in accordance with applicable law and the rules of the relevant payment or tax authority.'
],
[
'title' => '26. Third-Party Payment Providers',
'body' => 'Payments may be processed by third-party payment providers. Where a third party processes the payment, Examify may need to work with that provider to process the refund. Processing times may therefore vary. Purchases made through an app store, marketplace, or other third-party platform may be subject to that platform’s refund procedures and policies.'
],
[
'title' => '27. How to Request a Refund',
'body' => 'To request a refund, contact Examify through the official support channel listed on the website. Your request should include the email address associated with your Examify account, transaction or payment reference where available, purchase date, subscription or product purchased, and a brief explanation of the reason for the refund request. Providing complete information helps Examify process requests more efficiently.'
],
[
'title' => '28. Refund Review Process',
'body' => 'Examify may review account activity, subscription status, payment records, usage information, technical logs, and other relevant information to determine whether a refund request qualifies under this policy. Examify may request additional information where reasonably necessary to verify the transaction or investigate the request.'
],
[
'title' => '29. Refund Decision',
'body' => 'After reviewing a request, Examify may approve a full refund, approve a partial refund, provide account credit or an extension, offer another appropriate remedy, or decline the request. Decisions will be made in accordance with this policy, applicable subscription terms, and mandatory legal rights.'
],
[
'title' => '30. Refund Processing Time',
'body' => 'Once a refund is approved, Examify will initiate the refund through the applicable payment method or payment provider. The time required for the funds to appear in your account depends on the payment provider, card issuer, bank, payment network, and other financial institutions involved. Examify cannot guarantee the exact date on which a refund will appear in your account.'
],
[
'title' => '31. Account Credits and Extensions',
'body' => 'In some circumstances, Examify may offer account credit, additional subscription time, feature extensions, or another non-cash remedy instead of a monetary refund. Any such remedy will be offered only where appropriate and does not necessarily establish a precedent for future refund requests.'
],
[
'title' => '32. Chargebacks',
'body' => 'If you initiate a chargeback or payment dispute without first contacting Examify where reasonably possible, Examify may provide the payment provider with relevant transaction, account, and usage information to respond to the dispute. If a chargeback is determined to be fraudulent or abusive, Examify may restrict or terminate the associated account, subject to applicable law.'
],
[
'title' => '33. Fraudulent or Abusive Refund Requests',
'body' => 'Examify reserves the right to decline refund requests that appear fraudulent, abusive, repetitive, misleading, or inconsistent with the user’s actual account activity. This may include creating multiple accounts to obtain repeated refunds, deliberately consuming substantial paid content before requesting a refund, or providing materially false information.'
],
[
'title' => '34. Account Termination and Refunds',
'body' => 'If an account is suspended or terminated because of a material violation of the Terms of Service, Acceptable Use Policy, academic-integrity rules, fraud, abuse, or other prohibited conduct, the user may not be entitled to a refund for unused subscription time unless required by applicable law.'
],
[
'title' => '35. Consumer Protection Rights',
'body' => 'Nothing in this policy is intended to remove, restrict, or waive any mandatory consumer-protection, cancellation, refund, or statutory rights that apply to you under the laws of your jurisdiction. Where applicable law provides a greater right to cancel or obtain a refund than this policy, the applicable law will prevail.'
],
[
'title' => '36. Changes to This Refund Policy',
'body' => 'Examify may update this Refund and Cancellation Policy from time to time to reflect changes in the Service, payment infrastructure, legal requirements, or business practices. Material changes will be communicated through appropriate channels where required by applicable law. The version published on this page will be the current version applicable to new purchases and, where legally permitted, existing subscriptions.'
],
[
'title' => '37. Contact Us',
'body' => 'If you have questions about a charge, cancellation, refund, subscription, or payment issue, please contact Examify through the official support channel provided on the Examify website. Please include your Examify account email and transaction reference where available so that your request can be located quickly.'
],
[
'title' => 'Important Notice',
'body' => 'Examify provides digital educational and examination-preparation services. Because access to digital content and features may begin immediately after purchase, refund rights may be affected by the extent to which the Service has been accessed or used. Nothing in this policy limits mandatory rights that cannot legally be excluded.'
],
]);
$updatedAt = dynamic_site_setting('refund_policy_updated_at', '2026-08-08');
?>
Refund & Cancellation Policy – Examify