Refund Policy · Skilvi

1. PURPOSE

This Refund, Cancellation, Payment Dispute & Chargeback Policy ("Refund Policy") governs purchases, subscriptions, enrollments, certifications, mentorships, assessments, internships, career services, digital products, and other paid services offered through Skilvi.

This Policy forms an integral part of the:

Terms of Service
Privacy Policy
Instructor Agreement
Acceptable Use Policy
Any additional agreements governing Platform services

By making a purchase through the Platform, the User agrees to this Refund Policy.

2. NATURE OF DIGITAL SERVICES

Users acknowledge that most products and services offered through the Platform are digital in nature.

Such services may include:

Online courses
Certifications
Assessments
Mentorship programs
Workshops
Training programs
Learning paths
Internship programs
Career services
Digital resources
Downloadable materials
Subscription services
Enterprise learning programs

Digital services often become accessible immediately after purchase and may be consumed instantly.

Accordingly, refund eligibility is limited as described in this Policy.

3. GENERAL REFUND PRINCIPLE

Unless otherwise expressly stated by Skilvi in writing:

All sales are final.

Refunds are not guaranteed and remain subject to the conditions described in this Policy.

Refund requests shall be reviewed solely at Skilvi's discretion and in accordance with applicable law.

4. COURSE COMMENCEMENT

For purposes of determining refund eligibility, a course, service, subscription, mentorship, assessment, certification, workshop, or learning program shall be deemed commenced immediately upon any of the following events:

Login to purchased content
Accessing course materials
Viewing lessons
Accessing video content
Opening educational resources
Downloading resources
Joining live sessions
Accessing mentorship sessions
Accessing project materials
Accessing assessments
Attempting quizzes
Attempting examinations
Submitting assignments
Joining premium communities
Accessing certification resources
Accessing internship resources
Utilizing AI learning features
Accessing premium features

The earliest occurrence of any such event shall constitute commencement.

5. NON-REFUNDABLE ITEMS

Unless expressly required by applicable law, the following are non-refundable:

Accessed courses
Commenced courses
Downloaded resources
Digital products
Certification fees
Assessment fees
Mentorship services
Career services
Internship programs
Consulting services
Subscription fees already consumed
Premium memberships already activated
Administrative fees
Processing fees
Taxes collected
Promotional purchases
Discounted purchases
Scholarship processing fees
Verification fees

6. COURSE ACCESS AFTER PURCHASE

Upon successful purchase, Users generally receive immediate access to educational materials.

Because access itself constitutes delivery of digital services, such access may limit or eliminate refund eligibility.

Users are encouraged to carefully review:

Course descriptions
Program details
Pricing
Curriculum
Requirements
Duration
Eligibility criteria

before making purchases.

7. SUBSCRIPTION CANCELLATIONS

Users may cancel future subscription renewals where such functionality is available.

Cancellation of future renewals does not automatically entitle the User to a refund for:

Current subscription periods
Consumed services
Previously charged subscription periods

Access may continue until expiration of the active billing period unless otherwise specified.

8. CERTIFICATION FEES

Certification-related payments may include:

Examination fees
Verification fees
Certification fees
Credential fees
Administrative fees

Such payments are generally non-refundable once:

Registration is completed
Assessment access is granted
Certification processing begins
Verification services are initiated

9. INTERNSHIP AND CAREER SERVICES

Payments relating to:

Career guidance
Internship programs
Resume services
Placement assistance
Interview preparation
Mentorship
Career coaching

are generally non-refundable after service access, scheduling, commencement, consultation, or delivery.

Participation does not guarantee:

Placement
Employment
Interviews
Freelance opportunities
Professional advancement

Lack of a desired outcome shall not constitute grounds for a refund.

10. ENTERPRISE, INSTITUTIONAL AND BULK PURCHASES

Enterprise purchases, organizational purchases, educational institution purchases, corporate learning agreements, and bulk enrollments are governed by separate contractual arrangements where applicable.

Unless otherwise agreed in writing:

Bulk purchases are non-refundable.
Enterprise licenses are non-refundable.
Organizational subscriptions are non-refundable.

11. PAYMENT FAILURES

Skilvi reserves the right to:

Suspend access
Restrict features
Disable subscriptions
Revoke certifications
Pause services

where payment failures occur.

Users remain responsible for amounts lawfully owed.

12. FRAUD PREVENTION

Refund requests may be investigated where Skilvi reasonably suspects:

Fraud
Abuse
Misrepresentation
Unauthorized transactions
Account sharing
Refund abuse
Payment manipulation

Skilvi reserves the right to deny refunds where abuse is detected.

13. CHARGEBACK POLICY

Users agree to first contact Skilvi regarding billing concerns before initiating a chargeback, dispute, reversal, or claim through a financial institution.

Where a chargeback is initiated, Skilvi may:

Suspend the account
Restrict access
Freeze enrollments
Suspend certifications
Revoke Platform access
Recover losses
Recover administrative costs
Recover legal expenses where permitted by law

Skilvi may provide evidence to payment processors, banks, card networks, regulators, law enforcement agencies, arbitration bodies, and courts.

Such evidence may include:

Login records
Access logs
Viewing records
Download records
Assessment records
Certification records
Communication records
Device information
Transaction records

14. REFUND REVIEW PROCESS

Where refunds are considered, Users may be required to provide:

Transaction information
Account information
Supporting documents
Identity verification
Relevant explanations

Submission of a refund request does not guarantee approval.

Skilvi reserves sole discretion to:

Approve requests
Deny requests
Request additional information
Offer credits
Offer partial refunds
Offer alternative resolutions

where permitted by law.

15. PROCESSING TIMES

Approved refunds may require reasonable processing time depending on:

Payment method
Financial institutions
Payment processors
Banking systems
Regulatory requirements

Skilvi does not control the processing timelines of third-party financial institutions.

16. PROMOTIONAL PURCHASES

Purchases made through:

Promotional offers
Coupon campaigns
Scholarship programs
Discount campaigns
Limited-time offers
Special access programs

may be subject to additional restrictions and may be designated as non-refundable.

17. ACCOUNT TERMINATION AND REFUNDS

Termination of an account due to:

Policy violations
Fraud
Abuse
Misconduct
Copyright infringement
Account sharing
Security violations

does not entitle the User to a refund.

18. FORCE MAJEURE

Refunds shall not be required where service interruptions arise from circumstances beyond Skilvi's reasonable control, including:

Natural disasters
Government actions
Internet failures
Infrastructure failures
Cyber incidents
Regulatory restrictions
Labor disruptions
Force majeure events

19. POLICY MODIFICATIONS

Skilvi reserves the right to modify this Policy at any time.

Updated versions become effective upon publication unless otherwise specified.

Continued use of the Platform constitutes acceptance of the revised Policy.

20. CONTACT INFORMATION

Refund requests, billing inquiries, payment disputes, and transaction-related concerns should be directed through official Skilvi support channels.

Users should provide sufficient information to allow investigation and resolution of requests.

ACKNOWLEDGMENT

By purchasing, subscribing to, enrolling in, accessing, or using any paid service offered through the Platform, the User acknowledges that:

They have read this Policy.
They understand this Policy.
They agree to this Policy.
They understand that digital services may become non-refundable upon access or commencement.
They agree to the chargeback and dispute provisions described herein.