Refund Policy
We're committed to fair practices and clear communication about refunds for our financial stability analysis programs. This page explains when refunds apply and how we process them.
Policy Effective: January 2025Our Approach to Refunds
At xaltriovia, we believe in standing behind our educational services. Our refund policy balances fairness with the realities of delivering high-quality financial education programs that require significant planning and resource allocation.
We've designed this policy to protect both our learners and our ability to maintain program quality. Most refund requests are processed within the timeframes outlined below, though some situations may require additional review.
When You're Eligible for a Refund
Early Withdrawal
You may request a full refund if you withdraw before the program start date or within the first seven days of program commencement.
- Request submitted before start date
- Withdrawal within first week of classes
- No access to downloadable materials
- Account credentials not yet activated
Technical Issues
If persistent technical problems prevent you from accessing course materials, and our support team cannot resolve them within 14 days, you qualify for a prorated refund.
- Documented technical difficulties
- Support ticket history showing attempts to resolve
- Issues lasting beyond resolution period
- Platform unavailability exceeding 72 hours
Program Cancellation
In the rare event that we cancel or significantly alter a program, you'll receive a full refund regardless of how far into the program you are.
- xaltriovia-initiated cancellations
- Substantial changes to advertised curriculum
- Instructor unavailability without replacement
- Location or format changes not agreed upon
How to Request a Refund
Submit Your Request
Contact our support team via email at support@xaltriovia.pro with your enrollment details and reason for requesting a refund. Include your full name, program name, and enrollment date.
Provide Documentation
Depending on your situation, we may request additional information such as proof of technical issues, medical documentation, or other supporting materials that validate your refund request.
Review Process
Our refund review team examines your request against our policy criteria. We look at program progress, time elapsed since enrollment, and the specific circumstances of your situation.
Decision Notification
You'll receive a detailed email explaining whether your refund was approved, along with the refund amount if applicable. If denied, we'll explain the reasoning and discuss alternative options.
Processing and Payment
Once approved, refunds are processed to your original payment method. The time it takes for funds to appear depends on your bank or payment provider.
Processing Timeframes
Request Acknowledgment
Initial response confirming we received your refund request
Review Period
Time needed to evaluate your request against policy criteria
Refund Processing
Duration for approved refunds to reach your account
Common Refund Scenarios
Pre-Start Withdrawal
Marcus enrolled in our Financial Stability Fundamentals program scheduled to begin in September 2025 but accepted a job requiring immediate relocation. He submitted his withdrawal request in August, two weeks before the start date. Since he hadn't accessed any materials and the program hadn't begun, Marcus received a complete refund within 10 business days.
Mid-Program Exit
Elena completed three months of a six-month certification program before experiencing a family emergency that required her full attention. She requested a refund for the remaining three months. After reviewing her progress and circumstances, we approved a prorated refund of 45% of her total program fee, accounting for resources already consumed.
Platform Access Problems
Vikram experienced persistent login issues during his first two weeks in the program. Despite multiple support tickets and troubleshooting sessions, the problems weren't resolved until week three due to a compatibility issue with his company's network security. We issued a partial refund covering the two-week period he couldn't access materials.
After Completion Threshold
Samantha completed 80% of her program, including all major assessments and downloaded most course materials. She requested a refund because she felt the advanced modules didn't meet her expectations. Since she'd exceeded the completion threshold and had access to the full curriculum, her refund request didn't meet our policy criteria.
Payment Methods and Processing
Credit Card Refunds
- Processing Time: 7-10 business days
- Appears As: Credit on statement
- Bank Dependent: Additional 2-5 days
- Currency: Original transaction currency
Bank Transfer Refunds
- Processing Time: 10-14 business days
- Requirements: Verified account details
- International: May incur fees
- Confirmation: Email with reference number
Payment Plan Refunds
- Calculation: Based on payments made
- Future Payments: Automatically cancelled
- Prorated Amount: Adjusted for usage
- Processing: Same as original method
Important Limitations
- Refunds are not available after you've completed more than 60% of program content or downloaded the majority of course materials.
- Promotional discounts and special offers may have different refund terms, which will be clearly stated at the time of purchase.
- One-on-one consulting sessions are non-refundable once scheduled, though they can be rescheduled with at least 48 hours notice.
- Certification exam fees paid to third-party organizations cannot be refunded by xaltriovia and are subject to those organizations' policies.
- If you received a refund and wish to re-enroll later, you must pay the current program price, which may differ from your original enrollment cost.
- Refund requests made more than 90 days after program completion will not be considered, regardless of circumstances.
- Administrative fees (if applicable) may be deducted from refund amounts to cover processing costs.
Questions About Refunds?
Our support team is here to help you understand this policy and determine if your situation qualifies for a refund. We're committed to fair treatment and will work with you to find the best solution.
Contact Support Team