Refund Policy

1. Introduction

This Refund Policy outlines the terms and conditions under which AssetNavigation Online ("Company," "we," "our," or "us"), registered under number 89755730 in Switzerland, provides refunds for services and products offered through our website at https://assetnavigation.online.

We are committed to customer satisfaction while maintaining fair policies that reflect the nature of our educational and analytical services. Please read this policy carefully before purchasing any services or subscribing to any paid features.

2. General Refund Principles

However, we understand that circumstances vary, and we evaluate refund requests on a case-by-case basis considering:

• The specific service or product purchased
• Time elapsed since purchase
• Extent of service usage or content access
• Reason for the refund request
• Technical issues or service failures attributable to us

3. Service Categories and Refund Eligibility

3.1 Free Services

Our website offers various free services including:

• Basic access to the website and public content
• Free white paper downloads
• Public blog posts and insights
• Newsletter subscriptions

Refund Policy: Not applicable—these services are provided free of charge.

3.2 Paid Digital Content and Materials

This includes premium white papers, special reports, research publications, and downloadable educational materials.

Refund Policy:

• Before Access: Full refund available if requested within 24 hours of purchase and before any content has been accessed or downloaded
• After Access: Generally non-refundable once content has been viewed, downloaded, or accessed
• Technical Issues: Full refund if technical problems prevent access and we are unable to resolve the issue within 72 hours
• Defective Content: Full refund or replacement if content is materially defective or incomplete

3.3 Subscription Services

Monthly, quarterly, or annual subscriptions to premium platform features, tools, or ongoing content delivery.

Refund Policy:

• Initial Subscription: Eligible for prorated refund within the first 14 days if less than 25% of subscription content/features have been accessed
• Renewal Subscriptions: No refunds on renewal charges; cancellation applies to future billing periods only
• Annual Subscriptions: Prorated refund available within first 30 days if less than 10% of annual content has been accessed
• Cancellation: May cancel at any time; cancellation effective at end of current billing period with no prorated refund for unused time

3.4 Consultation Services

One-on-one consultations, portfolio reviews, or personalized advisory sessions.

Refund Policy:

• Before Service Delivery: Full refund available if consultation is canceled at least 48 hours before scheduled time
• 24-48 Hours Before: 50% refund available
• Less Than 24 Hours: No refund available
• After Service Delivery: Non-refundable once consultation has occurred
• Rescheduling: One free rescheduling allowed with 48+ hours notice

3.5 Software Tools and Platform Access

Access to proprietary analytical tools, risk management software, or platform features.

Refund Policy:

• Trial Period: 7-day trial period (if offered); full refund within trial if service is unsatisfactory
• After Trial: Prorated refund within 30 days if technical issues prevent functionality and cannot be resolved
• User Error: No refund for inability to use due to user error, insufficient technical knowledge, or incompatible systems (when requirements were clearly stated)

3.6 Educational Courses and Programs

Structured educational programs, training courses, or certification programs (if offered).

Refund Policy:

• Before Course Start: Full refund available up to 7 days before program begins
• Within First 14 Days: Prorated refund available if less than 20% of course content has been accessed
• After 14 Days: No refunds available once significant course content has been accessed
• Completed Courses: Non-refundable upon completion or certificate issuance

4. Refund Request Process

4.1 How to Request a Refund

To request a refund, please follow these steps:

1. Contact Us: Email us at [email protected] or call +421 732 756 241
2. Provide Information: Include your full name, email address, order/invoice number, date of purchase, and detailed reason for the refund request
3. Documentation: Attach relevant documentation (screenshots of technical issues, proof of duplicate charges, etc.)
4. Timeline: Submit refund requests within the eligible timeframe specified for your service type

4.2 Review Process

Once we receive your refund request:

• Acknowledgment: We will acknowledge receipt within 2 business days
• Review: Our team will review your request within 5-7 business days
• Decision: We will communicate our decision via email with explanation
• Appeal: If request is denied, you may appeal the decision with additional information

4.3 Refund Processing

Approved refunds will be processed as follows:

• Method: Refunded to the original payment method used for purchase
• Timeline: Processed within 10 business days of approval
• Bank Processing: Additional 5-10 business days for funds to appear in your account (depending on financial institution)
• Notification: Email confirmation sent once refund is processed

5. Non-Refundable Circumstances

Refunds will NOT be granted in the following circumstances:

• Change of Mind: After services have been accessed, content downloaded, or consultations completed
• Investment Losses: Any investment or trading losses resulting from decisions made using our educational content, tools, or frameworks
• Third-Party Charges: Payment processing fees, bank fees, or currency conversion charges
• Violation of Terms: If your access was terminated due to violation of our Terms & Conditions
• Expired Timeframes: Requests submitted outside eligible refund windows
• Excessive Usage: After significant consumption of services, content, or platform features
• Incorrect Expectations: If services were accurately described and met stated specifications, but did not align with your personal expectations
• Market Conditions: Changes in market conditions, investment environment, or regulatory landscape

6. Special Circumstances

6.1 Technical Issues

If you experience technical problems preventing access to purchased services:

• Contact our technical support team immediately
• Provide detailed information about the issue (browser, device, error messages)
• Allow 72 hours for our team to resolve the problem
• If unresolved, you will be eligible for a full refund

6.2 Duplicate Charges

If you are charged multiple times for the same service due to technical error:

• Contact us immediately with transaction details
• Duplicate charges will be refunded in full within 5 business days
• No eligibility restrictions apply to genuine duplicate charges

6.3 Unauthorized Charges

If you did not authorize a charge appearing on your account:

• Notify us immediately at [email protected]
• Provide details of the unauthorized transaction
• We will investigate and refund confirmed unauthorized charges
• Report unauthorized charges to your financial institution as well

6.4 Service Discontinuation

If we discontinue a service you have pre-paid for:

• You will receive prorated refund for unused portion
• Advance notice will be provided when possible
• Alternative services may be offered in lieu of refund

7. Subscription Cancellation

7.1 How to Cancel

You may cancel your subscription at any time by:

• Logging into your account and selecting "Cancel Subscription"
• Contacting customer support at [email protected]
• Calling +421 732 756 241 during business hours

7.2 Cancellation Effects

• Access: You retain access until the end of the current billing period
• Billing: No further charges will be made after current period expires
• Data: Account data is retained for 90 days after cancellation
• Reactivation: May reactivate subscription at any time at current pricing

7.3 No Partial Refunds

Cancellation does not entitle you to a prorated refund for the remaining time in your current billing period unless otherwise specified in Section 3.3.

8. Exchanges and Service Credits

In some circumstances, we may offer alternatives to refunds:

8.1 Service Exchange

• Exchange purchased service for equivalent-value alternative
• Available within 14 days of purchase
• Subject to availability and eligibility

8.2 Account Credits

• Credit applied to your account for future purchases
• Credits valid for 12 months from issuance
• Non-transferable and non-redeemable for cash

8.3 Extended Access

• Additional time added to subscription at no charge
• Compensates for service interruptions or issues
• Automatically applied when appropriate

9. Important Disclaimers

9.1 Investment Results Disclaimer

IMPORTANT: AssetNavigation Online provides educational content, analytical tools, and frameworks for informational purposes only. We do not guarantee any specific investment results or outcomes. Refunds will never be granted based on:

• Investment performance or trading results
• Market movements or volatility
• Investment decisions made using our content or tools
• Failure to achieve expected returns

9.2 Service Value Disclaimer

The perceived value of our services is subjective. Refunds will not be granted simply because services did not meet your subjective expectations, provided that:

• Services were accurately described in our marketing materials
• Content and features delivered matched stated specifications
• Technical functionality operated as intended

9.3 Third-Party Services

We are not responsible for refunding charges from third-party services, payment processors, or external providers, even if integrated with our platform.

10. Refund Policy for Different Jurisdictions

10.1 European Union Users

Users in the European Union have additional rights under EU consumer protection laws:

• 14-Day Withdrawal Right: Right to cancel within 14 days of purchase for eligible digital services
• Waiver of Right: By accessing digital content immediately, you waive the 14-day withdrawal right
• Defective Content: Right to refund or replacement for defective digital content

10.2 Swiss Users

Users in Switzerland are subject to Swiss consumer protection laws and this Refund Policy. Any conflicts will be resolved in accordance with Swiss law.

10.3 Other Jurisdictions

Users in other jurisdictions may have additional rights under local consumer protection laws. This policy does not supersede mandatory legal rights in your jurisdiction.

11. Refund Policy Updates

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting with an updated "Last Updated" date. Material changes may be communicated via:

• Email notification to registered users
• Prominent notice on our website
• In-platform notifications

Your continued use of our services after policy updates constitutes acceptance of the revised policy. Purchases made before policy changes remain subject to the policy in effect at time of purchase.

12. Questions and Disputes

12.1 Customer Support

If you have questions about refunds or need clarification on this policy, please contact our customer support team before making a purchase.

12.2 Dispute Resolution

If you disagree with our refund decision:

1. Appeal: Submit a formal appeal with additional information
2. Review: Senior management will review your appeal within 10 business days
3. Final Decision: Our final decision will be communicated in writing
4. Legal Options: You may pursue legal remedies if you believe our decision violates applicable law

12.3 Good Faith

We evaluate all refund requests in good faith and aim to resolve issues fairly. We expect users to make refund requests in good faith and provide accurate information.

13. Contact Information

14. Acknowledgment

By purchasing any services or products from AssetNavigation Online, you acknowledge that you have read, understood, and agree to this Refund Policy. You understand that certain services are non-refundable once accessed or delivered, and you accept the refund limitations outlined herein.