Refund Policy
Last Updated: March 2025
At luforvaroomola, we're committed to your learning journey in financial statement analysis. Our refund policy reflects that commitment while maintaining fair boundaries. We believe education is a partnership, and sometimes circumstances change. This policy exists to protect both your interests and the integrity of our programs. Take a moment to read through these details so you know exactly where you stand.
Refund Eligibility Criteria
Early Withdrawal Period
Full refunds are available if you withdraw within 14 days of enrollment and haven't accessed more than 10% of course materials. This gives you time to assess fit without penalty.
Medical or Emergency Circumstances
Life happens. If documented medical issues or family emergencies prevent course completion, we review refund requests on a case-by-case basis with appropriate documentation.
Technical Service Failure
If our platform experiences significant technical issues that prevent reasonable access to course content for extended periods, partial or full refunds may apply based on impact duration.
Course Cancellation
In the rare event we cancel a scheduled course before it begins or midway through, you'll receive a full refund of any fees paid or the option to transfer to a future session.
Refund Request Process
Submit Your Request
Email contact@luforvaroomola.com with your enrollment details, reason for refund, and any supporting documentation. Include your full name, course name, and enrollment date so we can locate your account quickly.
Initial Review
Our team reviews your request within 3 business days. We'll check eligibility against our policy criteria and may reach out if we need additional information or clarification about your situation.
Decision Notification
You'll receive a decision via email within 5 business days of submitting your complete request. The notification will specify whether your refund is approved, partially approved, or declined with reasoning.
Processing Payment
Approved refunds are processed immediately upon decision. Depending on your original payment method and financial institution, funds typically appear in your account within 7-10 business days.
Refund Timeframes and Processing
Credit Card Refunds
Refunds to credit cards typically process within 5-7 business days after approval. Your card issuer may take an additional 3-5 business days to post the credit to your account. Check with your bank if you don't see it within 12 business days.
Direct Debit or Bank Transfer
Bank transfer refunds usually arrive within 3-5 business days in Australia. International transfers may take 7-10 business days depending on your banking institution and country. We'll provide a transaction reference number for tracking.
PayPal and Digital Wallets
Digital wallet refunds are typically instant to your wallet balance once processed on our end. If you paid via PayPal or similar services, funds should appear within 24-48 hours after our approval notification.
Installment Payment Plans
If you're on a payment plan, refunds are calculated based on payments made minus any accessed course value. Remaining scheduled payments are cancelled immediately upon refund approval. Partial refunds reflect completed payments only.
Common Refund Scenarios
Eligible for Refund
Changed Personal Circumstances
Early withdrawal within 14 days with minimal content access qualifies for full refund. This covers situations where you realize the course timing doesn't work or personal priorities shift unexpectedly.
Significant Technical Issues
If platform outages or technical problems prevent access for more than 72 consecutive hours, you're eligible for partial refunds proportional to the disruption period and content affected.
Course Content Mismatch
Within the first week, if course content significantly differs from the published curriculum description, you may request a refund with documented explanation of the discrepancy.
Not Eligible for Refund
Course Difficulty Level
Finding course material challenging or more advanced than expected doesn't qualify for refunds. Course difficulty levels are outlined in program descriptions, and learning requires effort.
Completed Course Content
Once you've accessed more than 50% of course materials or completed the program, refunds aren't available. You've already received substantial value from the educational content provided.
Changed Career Goals
Deciding to pursue a different career path after the 14-day period doesn't qualify for refunds. Career decisions are personal choices independent of course quality or delivery.
Payment Methods and Return Processing
Credit/Debit Cards
5-10 business days
Bank Transfer
3-7 business days
PayPal
1-2 business days
Important Policy Notes
All refund decisions are final. Once we've reviewed your request and issued a decision, we don't accept appeals or reconsiderations unless new documentation becomes available that wasn't included in the original submission.
Refunds are calculated based on the amount you actually paid, not the standard course price. If you enrolled during a promotional period or used a discount code, your refund reflects the discounted price you paid.
Course access is revoked immediately upon refund approval. You won't be able to download materials, access resources, or view content after your refund is processed. Make sure you've saved any personal notes beforehand.
Instead of a refund, you may request a course transfer to a different program of equal or lesser value. Transfer requests follow similar eligibility criteria and must be made within the refund-eligible timeframe.
Violations of our terms of service, including sharing login credentials or distributing course materials, immediately void any refund eligibility. Academic integrity matters, and policy violations have consequences.
Questions About Your Refund?
Our team is here to help clarify any questions about refund eligibility or walk you through the process. We respond to all refund inquiries within one business day and work to find fair solutions when circumstances allow.
Contact Our Team