Refund Policy

1. Overview

aFactor ("we", "our", or "us") wants every learner to enrol with confidence. This Refund Policy explains when programme fees are refundable, how to request a refund, and the alternatives available if a refund is not. It applies to all paid aFactor programmes purchased directly from us.

The Role-Fit Diagnostic is free of charge, so it falls outside the scope of this policy — there is nothing to refund.

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2. Seven-day full refund window

You are entitled to a full refund of your programme fee if you request it within 7 days of payment and before your cohort begins, whichever comes first. No questions asked, no deductions.

• ✓ The 7-day window starts on the date your payment is completed.
• ✓ If your cohort starts within those 7 days, the refund window closes when the cohort begins.
• ✓ The full amount you paid — including any taxes collected — is returned.

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3. When refunds are not available

To keep cohorts fair and seats meaningful, refunds are not available once your learning is genuinely underway. Specifically, no refund is payable if:

• ✓ Your cohort has already begun, or
• ✓ You have accessed more than 20% of the programme content, whichever occurs first.

Content access is measured by our learning platform (modules opened, lessons viewed, and assessments attempted).

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4. How to request a refund

Requesting a refund is simple:

• ✓ Email hello@afactor.ai from the email address linked to your account.
• ✓ Include your name, the programme you enrolled in, and your payment reference or receipt.
• ✓ We will confirm eligibility and acknowledge your request within 2 working days.

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5. How refunds are processed

Approved refunds are issued to the original payment method used at the time of purchase. Please allow 7–10 working days for the amount to reflect in your account after approval; timing can vary slightly by bank or card issuer. We are unable to issue refunds in cash or to a different account or instrument.

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6. Transfer to a later cohort

If the timing no longer works but you still want to build the capability, you may transfer your enrolment to the next available cohort of the same programme at no extra charge, instead of taking a refund. Transfers can be requested once per enrolment by writing to hello@afactor.ai before your original cohort reaches its midpoint.

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7. Exceptional circumstances

If a cohort is cancelled or rescheduled by aFactor, you will be offered a choice of a full refund or a transfer to a later cohort — regardless of the timelines above. For medical or other exceptional situations, write to us; we review such cases individually and with empathy.

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8. Changes to this policy

We may update this Refund Policy from time to time. The "Last updated" date at the top reflects the most recent revision. Changes apply prospectively and will not reduce the refund rights attached to a purchase you have already made.

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9. Governing law

This Refund Policy is governed by the laws of India. Any dispute arising out of or relating to this policy is subject to the exclusive jurisdiction of the courts of Pune, Maharashtra.

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10. Contact

Questions about a payment or refund? Email hello@afactor.ai or reach us through our contact page.