1. Introduction
At Investments in USA ("we," "our," or "us"), we strive to provide high-quality services and ensure our clients' satisfaction. This Refund Policy outlines our procedures for refunds, including eligibility conditions, timeframes, and how to request a refund.
By purchasing our services or products, you agree to the terms of this Refund Policy. Please read this policy carefully before making a purchase.
2. Services and Products Covered
This Refund Policy applies to the following services and products:
- Investment consultation services
- Financial planning services
- Educational courses and webinars
- Premium content subscriptions
- Investment reports and analyses
The specific refund conditions may vary depending on the type of service or product purchased, as outlined in the following sections.
3. Refund Conditions
3.1 Consultation Services
For consultation services, the following refund conditions apply:
- Before the consultation: Full refund if cancellation is made at least 48 hours before the scheduled consultation.
- Late cancellation: 50% refund if cancellation is made between 24-48 hours before the scheduled consultation.
- No-show or cancellation less than 24 hours before: No refund will be provided.
- After the consultation: Generally, no refund is available after the consultation has been provided. However, if you are dissatisfied with the quality of the consultation, please contact us within 7 days, and we will review your case on an individual basis.
3.2 Subscription Services
For subscription-based services (such as premium content or regular reports), the following refund conditions apply:
- Monthly subscriptions: No prorated refunds for partial months. You may cancel your subscription at any time, and your subscription will remain active until the end of the current billing period.
- Annual subscriptions: Prorated refunds may be available for the unused portion of your subscription if canceled within 30 days of purchase or renewal.
- Free trial period: If you cancel during the free trial period (if applicable), you will not be charged for the subscription.
3.3 Educational Courses and Webinars
For educational courses and webinars, the following refund conditions apply:
- Pre-recorded courses: Full refund available within 14 days of purchase if less than 25% of the course content has been accessed.
- Live webinars: Full refund if cancellation is made at least 7 days before the webinar date. 50% refund if cancellation is made between 3-7 days before the webinar. No refund for cancellations less than 3 days before the webinar.
- Course packages: Prorated refunds based on the content accessed or sessions attended.
3.4 Investment Reports and Analyses
For investment reports and analyses, the following refund conditions apply:
- Before accessing: Full refund available if you have not downloaded or accessed the content.
- After accessing: No refund is available once the report or analysis has been downloaded or accessed, due to the digital nature of these products.
4. Exceptions to Refund Eligibility
Refunds may not be available in the following situations:
- Services or products clearly marked as "non-refundable" at the time of purchase
- Special offers, discounts, or promotions that specifically exclude refunds
- Services that have been fully delivered in accordance with the agreement
- Digital products that have been downloaded, accessed, or used
- Customized services or products created specifically for the client
- Where there is evidence of fraud, misuse, or violation of our Terms and Conditions
5. Refund Process and Timeframes
5.1 How to Request a Refund
To request a refund, please follow these steps:
- Contact our customer service team by email at support@investments-usa.com or by phone at +447473180635
- Provide your full name, order number, and the date of purchase
- Explain the reason for your refund request
- Specify your preferred refund method (original payment method, account credit, etc.)
All refund requests should be submitted within the timeframes specified in the refund conditions for each type of service or product.
5.2 Review Process
Upon receiving your refund request, we will:
- Review your purchase history and eligibility for a refund based on our policy
- Evaluate any specific circumstances or issues you have reported
- Determine the appropriate refund amount (full, partial, or no refund)
- Communicate the decision to you, typically within 5 business days
5.3 Refund Processing Timeframes
If your refund is approved, you can expect the following processing timeframes:
- Credit/debit card refunds: 5-10 business days to appear on your statement, depending on your card issuer
- Bank transfer refunds: 5-7 business days to process
- Account credit: Immediately applied to your account
- Other payment methods: Processing times may vary; we will provide specific information in our communication
6. Cancellation vs. Refund
It's important to understand the difference between cancellation and refund:
- Cancellation stops future charges for subscription services but does not necessarily result in a refund for services already paid for.
- Refund is the return of money for services or products already paid for, subject to the conditions outlined in this policy.
To cancel a subscription or recurring service, please contact our customer service team at least 3 business days before your next billing date.
7. Special Circumstances
We understand that special circumstances may arise. In cases of:
- Technical issues: If you encounter technical problems that prevent you from accessing or using our services, please contact us immediately. We may extend the refund eligibility period in such cases.
- Service disruptions: If we experience prolonged service outages or significant changes to our services, we may offer prorated refunds or service credits.
- Personal emergencies: In case of serious illness, family emergencies, or other extenuating circumstances, we may make exceptions to our standard refund policy. Documentation may be required.
8. Exchanges and Alternatives to Refunds
In some cases, we may offer alternatives to a monetary refund:
- Service credit: Credit for future services, sometimes with added value
- Service rescheduling: Opportunity to reschedule a missed consultation or webinar
- Service upgrade: Upgrade to a higher-tier service instead of a refund
- Extended access: Additional time to access or use a service
These alternatives are offered at our discretion and may be more beneficial than a refund in certain situations.
9. Currency and Payment Fees
Refunds will be processed in the same currency as the original payment. We are not responsible for any fluctuations in exchange rates between the time of purchase and the time of refund.
Any payment processing fees incurred by us (such as credit card transaction fees) may be deducted from the refund amount, unless the refund is due to an error on our part.
10. Changes to This Policy
We reserve the right to modify this Refund Policy at any time. Any changes will be effective immediately upon posting on our Website. Your continued use of our services after such changes constitutes your acceptance of the new Refund Policy.
The policy in effect at the time of your purchase will apply to that specific transaction. For subscription services, the current policy at each billing date will apply to that billing period.
11. Contact Information
If you have any questions about this Refund Policy or would like to request a refund, please contact us at:
Investments in USA
747 Chapman Canyon
Edwardburgh M45 8AF
United Kingdom
Phone: +447473180635
Email: support@investments-usa.com
Our customer service team is available Monday through Friday, 9:00 AM to 6:00 PM (GMT).
