Refund Policy

We want you to enrol with confidence. This policy explains when you can get your money back, how to ask for it, and what happens if you need to postpone your studies.

This policy forms part of our Terms and Conditions and should be read alongside them.

1. Who This Policy Applies To

This policy applies to every person who makes a payment to PrepXperts Online Academy for a course, diet, or programme, whether that payment is made in full or as a first instalment, and whether enrolment was arranged by WhatsApp, email, telephone, or through our website.

2. The Five-Day No-Questions-Asked Refund Window

You may cancel your enrolment and receive a full refund at any time within 5 calendar days of the date of your first payment. You do not need to give a reason.

This applies whether or not your diet has started, and whether or not you have accessed any course material, attended a live session, or joined a community group.

2.1 We mean it literally. Our support team will not ask you to justify your decision, will not require documentation, and will not attempt to talk you out of it. We will process your request.

2.2 The only exception. A request inside the five-day window will be declined only where your enrolment has already been terminated for a serious breach of our Terms and Conditions. See Section 9.

3. What Counts as the Date of First Payment

Day 1 is the calendar date on which your first payment to PrepXperts Online Academy is made, as evidenced by your bank or payment transaction record. The window closes at 11:59 PM PKT on day 5.

3.1 Instalments. If you pay in instalments, the window runs from the first instalment. It does not restart with each subsequent payment.

3.2 Multiple courses. If you enrol in more than one course, each enrolment carries its own five-day window, running from the first payment for that enrolment.

3.3 Deferred enrolments. If you have deferred a previous enrolment, no new window opens. The original window applied to your original payment.

3.4 Timing your request. We recommend requesting your refund at least one full day before the deadline, so that any delay in message delivery does not affect your request.

4. How Much You Get Back

You receive a full refund of the amount PrepXperts Online Academy actually received from you.

4.1 Third-party bank charges. Where you paid by international transfer, intermediary and correspondent banks sometimes deduct handling charges before the money reaches us. We can only refund what arrived in our account. We are not able to refund charges taken by a third-party bank that we never received.

4.2 Currency. Refunds are issued in the same currency as the original payment. Where the exchange rate has moved between your payment and your refund, the amount you receive in your local currency may differ. This is outside our control.

5. After the Five-Day Window

Once 5 calendar days have passed from your first payment, course fees are non-refundable.

This is not an arbitrary cut-off. Our courses run as fixed diets with a limited number of seats. When you enrol, a seat is reserved for you, mentor time is scheduled around cohort size, and access to course content, live sessions, and community groups is issued to you. Those costs are committed on our side whether or not you continue to attend.

If circumstances change after the window closes, please talk to us anyway. A refund will not be available, but a deferral usually will be. See Section 6.

6. Deferring to Another Diet

If you are unable to continue — because of illness, a change in your examination sitting, a job or rotation change, visa or travel issues, or a family emergency — you may request to defer your enrolment to the next available diet of the same course.

6.1 No deferral fee. We do not charge an administrative fee for deferring. If the fee for the later diet is higher than what you paid, you will be asked to pay only the difference. If it is lower, no refund of the difference is made.

6.2 The cut-off. A deferral request must be made in writing before 50% of your current diet has elapsed. Requests made in the second half of a diet cannot normally be accommodated, because by that point the majority of teaching has been delivered.

6.3 Once per enrolment. Deferral is available once per enrolment. A deferred enrolment cannot itself be deferred again.

6.4 Availability. Deferral is granted at the Academy's discretion and is subject to a seat being available in the receiving diet.

6.5 What happens to your access. Your access to the current diet ends when the deferral is approved, and restarts when your new diet begins.

6.6 Ask early. Deferral is our standard remedy once the refund window has closed, and we approve the large majority of genuine requests. A request made in the first weeks of a diet is far easier for us to accommodate than one made close to the cut-off.

7. What Is Not Refundable

The following are not refundable at any time, including within the five-day window where indicated:

• Free enrolments — scholarship places, complimentary access, and prizes, since no fee was paid.
• Third-party charges — bank, transfer, and currency conversion charges deducted before funds reached us, as explained in Section 4.
• Payments after the window — fees paid once the five-day window has closed, including subsequent instalments of an enrolment whose window has expired.
• Terminated enrolments — fees where enrolment has been terminated for breach of our Terms and Conditions. See Section 9.

Discounted enrolments, bundle offers, and early-bird rates are covered by the five-day window and are refunded at the discounted amount actually paid.

8. If PrepXperts Cancels or Postpones a Course

8.1 Cancellation by us. If we cancel a diet before it begins and cannot offer you a place in a comparable diet, you will receive a full refund of everything you have paid, regardless of how much time has passed since your first payment.

8.2 Postponement. If we postpone a diet's start date, you may choose either to move to the rescheduled diet at no additional cost, or to receive a full refund.

8.3 Individual sessions. Rescheduling of individual live sessions — for mentor availability, technical failure, public holidays, or events outside our control — does not entitle you to a refund, provided the session is delivered later in the diet or a recording is made available.

9. Termination for Breach of Our Terms

Where your access is terminated because of a serious breach of our Terms and Conditions — in particular the recording, screen-capturing, downloading, sharing, or resale of course material, or the sharing of your login credentials — no refund is payable, including within the five-day window.

Our five-day promise exists so that you can change your mind about the course. It is not a mechanism for obtaining and distributing our material at no cost, and we reserve all rights and remedies in those circumstances.

10. How to Request a Refund

Send us a written request by email to info@prepxpertsonline.com or by WhatsApp to +92 3164500454, including:

• your full name as given at enrolment;
• the course and diet you enrolled in;
• the date and amount of your first payment, with proof of payment;
• the bank account or payment details the refund should be returned to.

10.1 No reason needed. You do not need to explain your decision.

10.2 Put it in writing. A written request is required so that we have a dated record. A verbal request by telephone is not sufficient to stop the clock.

10.3 Acknowledgement. We will acknowledge your request within one working day and confirm the outcome in writing.

11. How Refunds Are Processed

11.1 Where the money goes. Approved refunds are returned to the original payment method or the original sending account. We cannot refund to a different account, or to a third party's account.

11.2 How quickly. We release approved refunds within one working day of approval.

11.3 When it arrives. Once we have released the funds, the time taken for them to appear in your account depends on your bank. Domestic transfers are usually same-day or next-day. International transfers can take several working days, and that part is outside our control.

11.4 Your access. Your access to course content, live sessions, and community channels ends on the date your refund is approved. Any material you downloaded must be deleted.

12. Payment Disputes and Chargebacks

If you believe there has been an error with a payment, please contact us first. We will almost always be able to resolve it quickly and directly.

Raising a chargeback or payment dispute without first contacting us may result in the immediate suspension of your access while the dispute is investigated. Where a chargeback is raised in respect of a validly delivered enrolment outside the refund window, we reserve the right to contest it and to recover any associated costs.

13. Changes to This Policy

We may update this policy from time to time. The refund terms that apply to your enrolment are the ones published on the date of your first payment. Later changes will not reduce your rights in respect of an enrolment already made. The "Last Updated" date at the top of this page shows the most recent revision.

14. Contact Us

• Email: info@prepxpertsonline.com
• WhatsApp: +92 3164500454
• Website: prepxpertsonline.com
• Support hours: Monday to Saturday, 9:00 AM to 9:00 PM (PKT)

We would rather hear from you than have you sit unhappy with an enrolment. If something is not working, message us.