Refund policy
Scope
This policy applies to digital products, courses and services sold by NORDICX FINANCIAL ADVISORY - FZCO through the NORDICX website. It should be read with the offer description and specific terms disclosed before purchase, without affecting statutory consumer rights.
Courses and digital products
You may request cancellation and a refund before you start viewing or downloading the content, provided the request is within the stated access period. If access has not yet been made available, you may request cancellation before delivery begins.
Once viewing or downloading has begun, we do not offer change-of-mind refunds unless the offer includes an additional guarantee or applicable law provides that right. Creating an account or receiving an order confirmation alone does not count as using the content.
Expiry of the agreed access period without using the content, or failure to achieve an expected financial or professional result, does not by itself entitle you to a refund where the offer was delivered as described. The provisions below concerning defects, non-conformity and statutory rights continue to apply.
Non-delivery and faults
If the product is not delivered, access fails because of a fault on our side or with the delivery platform, or the content or service materially differs from its agreed description, contact us with details of the problem.
We work to provide an appropriate remedy, such as restoring access, repeating the service, extending access or refunding the amount due, depending on the circumstances and applicable law. We do not require you to accept a replacement or repair where the law entitles you to a refund. Use necessary to identify a defect does not prevent a complaint from being considered.
Sessions and scheduled services
You may cancel an undelivered session for a refund of its fee, or request rescheduling subject to availability, by contacting us at least twenty-four hours before the appointment.
For later cancellation or rescheduling requests, or non-attendance, we review the possibility of rescheduling or refunding according to the circumstances. We do not promise an automatic refund solely for non-attendance and do not impose additional cancellation charges that were not disclosed before booking. Statutory rights remain unaffected.
For packages and services with several parts, we take account of what has actually been delivered and the value of undelivered parts under the agreed offer. Any custom or preparatory work with separate cancellation conditions must have its scope, cost and conditions disclosed before purchase.
Cancellation by us
If we cancel a session or cannot deliver a product or a paid part of a service, we offer an alternative or another date with your agreement, or refund the amount due for the undelivered portion. Where failure to provide one part prevents the intended use of the rest of the offer, your legal rights to a wider remedy or refund are preserved.
Duplicate charges and refund method
If we confirm that the same payment for the same order was collected more than once in error, we refund the excess amount.
Refunds are returned to the original payment method where possible, or to a secure, agreed alternative where that is not possible. We do not replace a refund owed with store credit or a voucher without your agreement.
Once a refund is approved, we initiate it within five business days, or any shorter period required by law, and send confirmation of processing. The amount may take additional time to appear in your account depending on the bank or payment provider. We do not charge a fee to open a refund request.
How to submit a request
Email askferashajhasan@gmail.com with your order number, the email address used for purchase and a brief explanation of the issue or cancellation reason. Where helpful, include a screenshot of the error without sharing payment-card details or passwords.
We aim to provide an initial response within two business days and explain the next step and any information needed for the review. Internal review is not used to delay a mandatory legal right. You are not required to contact us before exercising a payment-dispute right or complaining to a competent authority.
Where a digital purchase is cancelled and fully refunded, access to that product ends. For a partial refund, we explain which portions remain accessible.
Statutory rights and updates
This policy does not exclude any mandatory withdrawal, refund or compensation right under applicable law, including rights that may apply in the consumer’s country of residence. Accepting this policy or beginning access does not by itself waive those rights.
The version displayed at purchase applies, subject to any more favourable treatment we subsequently agree to provide. Updates do not retrospectively reduce rights under existing orders.