Payments, Refunds and Billing Policy

This policy applies to purchases, subscriptions, course bundles, ebooks, downloadable files, videos, quizzes, certificates, live training, coaching sessions, learning credits, coupons, promotions, and creator marketplace transactions on MyCleverly.

The policy balances learner protection, creator fairness, payment processor rules, fraud prevention, and the fact that digital content can be consumed, copied, downloaded, or completed immediately after purchase.

Nothing in this policy limits non-waivable consumer rights that apply in your country or state. If mandatory law gives you greater rights, those rights apply.

Prices are shown in the currency displayed at checkout and may vary by country, promotion, creator, tax rules, platform channel, device, bundle, subscription plan, organization contract, or exchange rate.

Unless clearly stated otherwise, taxes, VAT, GST, sales tax, withholding, payment processor fees, conversion fees, bank fees, and other mandatory charges may be added or calculated at checkout.

A lower price after purchase does not automatically entitle you to a partial refund. MyCleverly may provide credits, promotional adjustments, or price protection where legally required or commercially appropriate.

By submitting a payment method, you represent that you are authorized to use it and that the payment information is accurate. You authorize MyCleverly and its payment processors to charge the total amount shown at checkout, including taxes and fees.

Payment processing may be handled by third-party providers. MyCleverly normally does not store full card numbers. Payment providers may perform fraud checks, authentication, sanctions screening, risk scoring, chargeback handling, and tax calculations.

If payment fails, is reversed, is suspected of fraud, or is subject to chargeback, MyCleverly may suspend access, review the account, request verification, cancel certificates, or restrict future purchases.

For eligible purchases made directly on MyCleverly, you may request a refund within 15 calendar days after the purchase date. The 15-day period starts when the transaction is completed, not when you first open the course or contact support.

To request a refund, contact support@mycleverly.com from the email address linked to your account and include the order number, course or product name, purchase date, payment method used, and reason for the request.

If approved, refunds are normally returned to the original payment method. Processing times depend on the payment provider, card issuer, bank, wallet, currency, and country. MyCleverly may offer platform credit where legally permitted.

All legal pages, README files, support templates, and tests in this package are configured around the 15-calendar-day refund window.

An on-demand course may be eligible for refund within 15 days if the learner has not substantially consumed the course, downloaded a significant portion of materials, completed the final assessment, obtained a certificate, or otherwise used the course in a way inconsistent with a good-faith refund request.

A bundle may be eligible if the bundle has not been substantially used. If some items were consumed or downloaded, MyCleverly may provide a partial refund, platform credit, or no refund depending on usage and applicable law.

A quiz, certification preparation product, practice exam, or assessment may be eligible if it has not been completed, exported, copied, or used to generate a certificate or completion record.

A live class, cohort, coaching call, webinar, or instructor-led session may be eligible if the request is received within 15 days and before the session starts, unless the product page states a different cancellation deadline.

Refunds may be denied if the learner has watched or accessed a substantial part of a course, downloaded files or ebooks, completed quizzes or exams, earned a certificate, attended a live session, used coaching time, repeatedly requested refunds, violated the Terms, or engaged in fraud or abuse.

Digital ebooks, downloadable templates, source code, datasets, PDFs, audio files, exam preparation files, and similar digital goods may become non-refundable once downloaded, opened, exported, copied, or otherwise delivered, except where mandatory law provides otherwise.

Refunds may be unavailable for purchases made through third-party app stores, external resellers, corporate accounts, school contracts, creator-issued direct invoices, gift cards, prepaid credits, promotional giveaways, free courses, or purchases governed by a separate written agreement.

MyCleverly may refuse refunds where there is evidence of chargeback abuse, coupon manipulation, account sharing, content scraping, credential resale, unauthorized payment use, sanctions issues, identity fraud, or attempts to consume content without paying.

For eligible consumers in the European Union, United Kingdom, or similar jurisdictions, distance contracts may include a statutory cooling-off or withdrawal period. MyCleverly’s 15-day refund policy is a platform commercial policy, while mandatory statutory rights are handled separately where they apply.

Digital content rules can differ from physical goods. Where the law permits, if you request immediate access to digital content during the statutory withdrawal period and acknowledge that you may lose the right of withdrawal after performance begins, your statutory withdrawal right may be limited or lost for that digital content.

The checkout flow should include clear disclosures and consent checkboxes for immediate digital delivery, access to videos, ebooks, downloads, quizzes, AI features, certificates, live services, and any withdrawal acknowledgment required by law.

Subscription plans renew automatically unless canceled before the renewal date. By subscribing, you authorize recurring charges until cancellation. Renewal reminders, trial notices, and cancellation controls should be provided where required by law.

Canceling a subscription stops future renewal charges but does not automatically refund the current billing period unless required by law or expressly stated at checkout.

Learning credits, gift codes, coupons, scholarships, discounts, referral credits, and promotions may have expiration dates, territory limits, course exclusions, minimum purchase rules, one-use limits, account restrictions, and anti-abuse conditions. Credits and coupons usually have no cash value unless required by law.

Creators acknowledge that marketplace revenue may be reduced by refunds, taxes, chargebacks, payment processor fees, promotional discounts, affiliate commissions, subscription allocation, revenue share rules, currency conversion, or fraud adjustments.

MyCleverly may hold creator payouts during the refund window, fraud reviews, disputes, or reserve periods. If a refund or chargeback occurs after a creator has been paid, MyCleverly may offset the amount against future payouts where permitted.

Creators must not pressure learners to avoid refunds, retaliate against refund requests, offer off-platform refunds that bypass MyCleverly, or misrepresent refund rights.

Before opening a chargeback, contact support@mycleverly.com so we can attempt to resolve the issue. Chargebacks are formal payment disputes handled by banks and payment networks and may result in suspension of access while reviewed.

If you open a chargeback after receiving digital content, MyCleverly may provide evidence of the transaction, login, access, download, viewing, quiz, certificate, or support history to the payment provider.

For billing help, email support@mycleverly.com with the account email, order number, product name, date, amount, currency, payment method, and a clear explanation. Do not send full card numbers or passwords.