Refund requests are evaluated based on several key criteria that ensure fairness for both our clients and our commitment to quality education:

• Program cancellation requests must be submitted within 14 days of enrollment
• Refunds are available if less than 20% of course materials have been accessed
• Technical issues preventing program access that cannot be resolved within 5 business days
• Medical emergencies or significant life circumstances that prevent participation
• Program changes or cancellations initiated by Xolmeris Dravino

Each situation is reviewed individually, and we work with clients to find the best solution. Sometimes this might involve program transfers or extended access rather than monetary refunds.

Refund amounts are calculated fairly based on program progress and timing of your request. Here's how we determine refund amounts:

• Full refund: Available within first 14 days with minimal program access (less than 10%)
• Partial refund: 75% refund between days 15-30 with less than 25% completion
• Reduced refund: 50% refund between days 31-60 with less than 40% completion
• Administrative fee: 0 processing fee applies to all approved refunds
• No refund: Available after 60 days or 50% program completion, whichever comes first

We track program progress through platform analytics, including module completions, download counts, and participation in live sessions. This ensures accurate and fair calculations for all parties.

We process refunds through the same payment method used for your original purchase whenever possible. Processing times vary by payment method:

• Credit cards: 5-10 business days after processing approval
• Bank transfers: 7-14 business days depending on your financial institution
• PayPal: 3-5 business days once refund is initiated
• Corporate payments: May require additional verification and take up to 21 days

If your original payment method is no longer available, we'll work with you to arrange an alternative refund method. This might require additional verification steps to ensure security and compliance.

International payments may involve currency conversion at current exchange rates, and any associated fees will be clearly communicated before processing.

We understand that life doesn't always go according to plan. These situations may qualify for special consideration outside our standard policy:

• Medical emergencies requiring extended absence from the program
• Significant technical issues on our platform preventing program access
• Changes to program content or schedule that materially affect your experience
• Military deployment or unexpected relocation requirements
• Company layoffs or significant financial hardship situations

Each special circumstance is reviewed individually by our management team. We may offer alternatives like program deferrals, extended access periods, or modified payment arrangements.