**Effective Date:** [25th Nov 2024]

At Zivnoc, we strive to deliver high-quality courses and a fulfilling learning experience. We understand, however, that circumstances may arise where a refund is necessary. Please review our refund policy below.

### **1. Eligibility for Refunds**

– **Refund Period:** Refund requests are eligible within 3 days of your course purchase.
– **Course Progress:** To be eligible, users should have completed no more than 3% of the course content. Refunds are not available for courses that have been mostly or fully completed.

### **2. Non-Refundable Items**

– **Partially Completed Courses:** Refunds will not be issued for courses where more than 3% of the material has been accessed or completed.
– **Subscription or Membership Fees:** Any ongoing membership or subscription fees, if applicable, are non-refundable.
– **Special Discounts or Promotions:** Courses purchased under special discounts, promotions, or sales may not be eligible for refunds.

### **3. How to Request a Refund**

To request a refund, please email our customer service team at **enquiries@zivnoc.online** with the following information:
– Your name
– Course title
– Reason for refund request

### **4. Processing Time**

Upon receiving your refund request, our team will review it for eligibility. Approved refunds are credited within 7–10 business days and returned to the original payment method. Please note that your bank or card issuer may require additional time to reflect the refund in your account.

### **5. Changes to the Refund Policy**

Zivnoc reserves the right to update or modify this Refund Policy at any time. Please review this policy periodically to stay informed about our current terms.

For questions about this policy or assistance with a refund request, contact us at **enquiries@zivnoc.online**.