Refund Policy

We're committed to transparency in how we handle refunds for our budget control programs. Below you'll find detailed information about eligibility, processes, and what to expect.

Our Commitment to You

At Incisive Thought, we believe in standing behind our educational offerings. This policy outlines when and how refunds are processed for our budget control learning programs.

Last updated: January 2025. This policy applies to all program enrollments beginning March 2025 and onwards.

Full Refund Eligibility

  • Requests made within 14 days of initial enrollment
  • Less than 15% of course materials accessed
  • No completion certificates issued yet
  • Technical issues preventing program access that we couldn't resolve within 7 business days
  • Program cancellation by Incisive Thought before start date

Partial Refund Scenarios

  • Requests between 15-30 days: 50% refund available
  • Medical or family emergencies with documentation
  • Military deployment with official orders
  • Program changes that significantly alter original offering
  • Pro-rated refunds for multi-month enrollments in specific cases

How the Refund Process Works

1

Submit Your Request

Contact us at support@incisivethought.com with your enrollment details and reason for requesting a refund. Include your full name, program name, and enrollment date.

2

Review Period

Our team reviews your request within 3-5 business days. We may reach out for additional information or documentation, especially for special circumstance requests.

3

Decision Notification

You'll receive an email detailing whether your refund was approved, the amount, and the expected timeline. We explain our decision clearly in all cases.

4

Processing Payment

Approved refunds are processed within 7-10 business days. The funds return to your original payment method, though your bank may take additional time to post the credit.

Common Refund Situations

Changed My Mind Early

If you enrolled but realized the program isn't right for you within two weeks and haven't gone through much content, you're typically eligible for a full refund.

Technical Problems

When platform issues prevent you from accessing materials and we can't fix them promptly, we'll either offer a full refund or extend your access period at no charge.

Life Happens

We understand that unexpected circumstances arise. Medical emergencies, family situations, or sudden job changes may qualify you for consideration beyond standard timelines.

Course Not as Expected

If the program content significantly differs from what was described in our marketing materials, contact us within the first two weeks for potential refund eligibility.

Already Completed

Programs where you've completed more than half the materials or received a certificate aren't eligible for refunds, as you've received the educational value.

Group Enrollments

Corporate or group enrollments have separate refund terms outlined in your agreement. Individual participants should contact their enrollment coordinator first.

Processing Times by Payment Method

Credit or Debit Cards

Refunds appear within 5-7 business days after processing. Your bank statement will show the credit from Incisive Thought. Some banks may take up to 10 business days to post.

Bank Transfers

Direct bank transfer refunds typically process in 7-10 business days. We'll need your current banking details if they've changed since enrollment.

Digital Wallets

Payments made through digital wallet services usually see refunds within 3-5 business days. The refund goes back to your wallet balance automatically.

Installment Plans

If you paid in installments, we'll refund completed payments and cancel future charges. Partial month refunds are calculated on a pro-rated basis.

Important Things to Know

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Refunds are not available for promotional or discounted enrollments once the discount period has ended. Special pricing is offered with the understanding that the decision timeframe is shortened.
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If you received any physical materials or workbooks, these must be returned in original condition before a full refund is processed. We'll provide a return shipping label.
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Access to all course materials, community forums, and resources ends immediately upon refund approval. Downloaded materials should be deleted as they remain Incisive Thought intellectual property.
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Transaction fees charged by payment processors are non-refundable. If applicable, these will be deducted from your refund amount and clearly itemized in your refund notification.
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We reserve the right to deny refund requests that appear fraudulent or violate our terms of service. This includes attempts to access and download all materials before requesting a refund.
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International enrollments may see longer processing times depending on banking systems in your country. Currency conversion rates at the time of refund may differ slightly from enrollment.

Questions About Your Refund?

Our support team is here to help you understand this policy and guide you through the process. We handle each request individually and do our best to find fair solutions.

Contact Support Return Home