Refund & Cancellation Policy

2. What this policy covers

2.1 Covered

Purchases made directly from Capital Academy by an individual learner or a team owner, including classes, bundles, certification programmes, individual and team subscription plans, the AI add-on, additional exam attempts, and paid events or webinars.

2.2 Not covered

Enterprise agreements, university and government contracts, reseller and white-label arrangements, and any purchase made under a separate signed agreement. Those are governed exclusively by their own written terms, which prevail over this policy.

If you bought access through your employer or university rather than from us directly, speak to them first. Your access is governed by their agreement with us.

3. Definitions

Digital content

Video lessons, interactive books, podcasts, flashcards, quizzes, assessments and final exams, downloadable resources, AI-powered learning services and digital certificates: everything delivered electronically.

Access period

The period stated at the time of purchase during which you may use what you bought. This may be a subscription billing period, a fixed window, or another published duration.

Billing period

The recurring interval a subscription is charged for: monthly or annual, as selected at checkout.

Cancellation

Turning off automatic renewal. It stops the next charge. It does not end the current billing period and it is not a refund.

Add-on

An optional paid feature bought alongside a plan or purchase: for example the AI add-on or additional exam attempts.

Refund

The return of money already paid. Available only in the limited circumstances in section 11 or where applicable law requires it.

4. Why purchases are final

Our products are digital and become available immediately after payment. There is no way to return digital content once it has been delivered. The moment you have access, you have received what you paid for.

Accordingly, once access has been granted, all purchases are final and non-refundable, except as set out in section 11 or where applicable law requires otherwise.

At checkout you may be asked to confirm that you request immediate access to the digital content and to acknowledge that, where permitted by applicable law, immediate access may affect or remove any statutory right to withdraw from the purchase. We ask this only to comply with consumer protection legislation governing digital products.

5. Situations where no refund is given

Without limiting section 4, we do not refund a purchase because you:

• changed your mind, or bought the wrong class, bundle, certification, plan or add-on
• no longer wish to continue studying
• do not have enough time to complete the content
• did not use, or only partly used, what you bought
• did not finish a class before your access period expired
• failed an assessment or final exam, or used up your exam attempts
• are dissatisfied with your own progress or results
• forgot to cancel a subscription before its renewal date
• lost access after suspension or termination for breach of the Terms of Service
• bought something that overlaps with content you already hold
• experienced a temporary interruption, change or withdrawal of a platform or AI feature
• found the content easier, harder or different in emphasis than you expected

Content updates, instructor or expert changes, and improvements to AI features are a normal part of keeping our programmes current and do not create a right to a refund.

6. Access periods and expiry

Each purchase grants access only for the period stated at the time of purchase. Unless we expressly say otherwise, purchases do not grant perpetual or lifetime access.

When the access period ends, access to the relevant content, assessments and associated AI features ends with it. Expiry does not entitle you to a refund, a partial refund, an extension, a credit or compensation.

Certificates validly issued before expiry remain valid unless revoked for cause. You are responsible for completing what you bought within the access period.

7. Cancelling a subscription

7.1 How to cancel

You can turn off automatic renewal at any time before the next billing date from your dashboard, or by contacting support. You do not need to give a reason and we will not put barriers in your way.

7.2 What cancelling does

Cancellation prevents future renewals only. Your subscription stays active until the end of the current billing period, after which access and subscription benefits end. No refund or partial refund is issued for the unused portion of that period.

7.3 After the period ends

At the end of the current billing period, access expires and subscription benefits cease. Regaining access requires a new purchase. We are not responsible for loss of access resulting from your decision to cancel.

8. Automatic renewals

8.1 How renewal works

Unless stated otherwise, plans and recurring add-ons renew automatically at the end of each billing period. The renewal terms are shown during the purchase process, and your renewal date is visible in your dashboard.

8.2 Authorisation

By buying a recurring subscription you authorise Capital Academy and its payment provider to charge the applicable fee to your selected payment method until you cancel.

8.3 Renewal pricing

Renewals are charged at the price applicable on the renewal date, unless another price was expressly agreed or a promotional price remains valid under its own terms. We may change subscription pricing for future billing periods and will give reasonable advance notice of material changes where the law requires it. You may cancel before a price change takes effect.

8.4 Failed payments

If a renewal payment cannot be processed, we may retry it, suspend or restrict access, or terminate the subscription after reasonable attempts. We are not responsible for interruption of access caused by a failed payment. Keeping your payment details current is your responsibility.

9. Team plans and seats

Team plans are sold per seat and may carry a published minimum number of seats. The team owner is responsible for payment.

If a team plan is cancelled, all seats remain active until their individual renewal dates and then expire. No refund or partial refund is issued for the remainder of any billing period, and cancellation cannot be undone.

Revoking a member's access, or reassigning a seat, does not reduce the fee already charged for that billing period and does not create a refund. Removing seats takes effect for future billing periods only.

10. Add-ons and exam attempts

10.1 Recurring add-ons

Recurring add-ons, including the AI add-on, are billed alongside your active plan and follow the same billing cycle. Cancelling an add-on stops future renewals; the current period is not refunded. If the underlying plan ends, expires or is cancelled, the associated add-on benefits end at the same time.

10.2 Additional exam attempts

Additional final exam attempts are consumed the moment an attempt is started, whether or not you complete or pass it. They expire with your access period, cannot be transferred between classes or learners, and are not refundable, including where you fail the attempt.

10.3 Overlapping purchases

Some products overlap: for example a class already included in a bundle, certification or plan you hold. Where we detect a conflict at checkout we warn you before you buy. If you complete the purchase anyway, it is treated as a completed purchase and is not refundable.

11. Limited exceptions

Although purchases are final, we will act reasonably where something has genuinely gone wrong on our side. At our sole discretion we may provide a remedy in limited circumstances, including:

• a duplicate charge for the same purchase
• an incorrect charge caused by a Capital Academy billing error
• a technical failure that prevented you from obtaining initial access to what you bought, and that could not reasonably be resolved
• another exceptional circumstance we consider appropriate

Where we approve an exception, the remedy may be a refund, account credit, replacement access, an extension of access, or another reasonable solution, at our discretion. Approving one exception does not create a precedent or an entitlement to any future remedy.

11.1 Duplicate charges

If you are charged more than once for the same purchase, tell us as soon as reasonably practicable at support@capitalacademy.ai. We will investigate and, where a duplicate is confirmed, reverse the duplicate transaction, refund it, or apply account credit if you prefer.

11.2 Effect of a refund

Where a refund or reversal is granted, we may end platform access, revoke the related enrolment, invalidate any certificate or credential issued in connection with the refunded purchase, and end associated subscription benefits.

12. Fraud, abuse and chargebacks

12.1 Fraud prevention

We may investigate suspected fraudulent or abusive purchasing, including use of stolen payment methods, identity fraud, multiple accounts created to obtain promotional benefits or repeat free trials, attempts to obtain content without valid payment, and misuse of this policy. Where fraud is reasonably suspected we may suspend access pending investigation.

12.2 Chargebacks

If you start a chargeback or payment dispute after receiving access, we may investigate, suspend your account and access during the investigation, withhold certificates not yet issued, recover outstanding fees and reasonable costs where permitted by law, and decline future purchases.

Nothing here limits your right to dispute a genuinely unauthorised or fraudulent transaction. If you believe a charge is wrong, please contact us first. It is faster than a dispute and we can usually resolve it directly.

12.3 Restoring access

Where a chargeback is resolved in our favour and the outstanding payment is received, we may restore access, provided no other breach of the Terms of Service has occurred.

13. Your statutory rights

We respect all mandatory consumer protection rights that apply to you. Nothing in this policy is intended to exclude, restrict or limit any legal right that cannot lawfully be excluded.

Where consumer protection legislation applicable to you grants greater rights than those described here, those statutory rights prevail to the extent required by law.

If you believe you are entitled to a statutory remedy, contact us before starting a payment dispute or legal proceedings. We review every request fairly, consistently and in line with applicable law.

14. Changes to this policy

We may update this policy to reflect changes in law or regulatory guidance, new products or subscription models, changes to payment methods, operational improvements or business developments.

The current version is always published on this page with its effective date. Unless applicable law requires otherwise, a revised policy takes effect when published, and changes do not affect purchases completed before that date.

15. Contact us

For questions about a purchase, subscription, renewal, cancellation or billing issue, contact us. We may ask for reasonable information to verify your identity before discussing account-specific billing.

Billing, purchases and cancellations

support@capitalacademy.ai

Registered office

Capital Academy Tech Ltd., Gate Avenue, Level 1, Dubai International Financial Centre, Dubai, United Arab Emirates

By completing a purchase you acknowledge that you have read and understood this policy, that our products are digital services made available immediately, and that, except as stated here or required by law, all purchases are final.