1. Overview of This Refund Policy

This Refund Policy explains the circumstances in which refund requests may be reviewed for credits purchased through our website and for the digital financial-market E-Learning Materials accessed using those credits.

Since digital materials may become accessible shortly after delivery, refunds are not issued automatically. Every request is assessed individually, taking into account the specific circumstances involved. Access details are generally provided within 24 hours of payment confirmation, but delivery may occasionally require between 48 and 72 hours.

2. Circumstances in Which Refunds May Be Considered

You may submit a refund request for consideration in situations such as the following:

• You have been charged more than once for the same order.
• A technical issue attributable to our website prevents you from accessing material for which you have paid.
• The material you received differs substantially from the description provided on our website.
• You did not receive the necessary access details, and our support team has been unable to restore your access.

Meeting any of these conditions does not automatically entitle you to a refund. We assess each case individually based on the available information. Depending on the circumstances, we may instead provide an alternative solution, such as reinstating access to the purchased material or extending the relevant access period.

3. Situations Where Refunds Are Generally Not Available

Refunds are generally unavailable in the following circumstances:

• The credits purchased have already been used to unlock one or more levels of E-Learning Materials.
• A substantial portion of the purchased material has already been accessed, downloaded, or read.
• You decide not to continue with your purchase after the access email has been sent.
• The purchased materials have not been accessed within the applicable access period.
• The credits have exceeded their 90-day validity period, calculated from the original purchase date.
• Your account has been suspended due to a violation of our Terms & Conditions.
• You are dissatisfied with the results of your personal trading or investment activities or with changes in financial-market conditions.

4. Missing Access Details or Delivery Delays

Sometimes, email services may delay, filter, or redirect messages. If you have purchased material but have not received the corresponding access information, please follow these steps:

• Check your spam and junk folders, and verify that the email address entered during checkout was correct.
• If the access details have not arrived within 72 hours, contact our support team at info@craft-course.com.
• If our team cannot restore your access and you have been unable to use the purchased material, we may review your circumstances to determine whether a refund is appropriate.

5. Procedure for Submitting a Refund Request

To request a refund, please provide the information necessary for our team to identify your order and investigate the issue.

1. Email your request to info@craft-course.com.
2. Include your order number, the email address associated with the payment, and a clear explanation of why you are requesting a refund.
3. Provide any supporting information that may help us assess the situation, including relevant screenshots or error messages.
4. Allow our team sufficient time to review the information and determine the appropriate outcome.

If your purchased material has not been delivered or you are unable to access it, please contact us after 72 hours have passed since your payment was confirmed.

6. Assessment and Processing of Refund Requests

Our team reviews each refund request individually and communicates the outcome to you by email.

• Every request is evaluated according to its particular circumstances and the information provided.
• Where a refund is approved, the amount will be returned to the original payment method used for the transaction.
• The time required for the refunded amount to appear in your account depends on the processing procedures of your payment provider or bank.

7. Amendments to This Policy

We may update this Refund Policy periodically when necessary. The version published on this page is the policy currently in effect.

8. Contact Information

If you have questions about this policy or need assistance with a refund request, please contact us using the details below:

• Company name: [Company Name]
• Email address: info@craft-course.com
• Company address: Unit 308, 3/F., Chevalier House, 45-51 Chatham Rd South, Tshim Sha Tsui Hong Kong