1. Introduction
At Canadian Tax Efficient Investment ("we," "our," or "us"), we are committed to ensuring your satisfaction with our services and products. This Refund Policy outlines our procedures and guidelines regarding refunds for any premium content, digital products, or subscription services offered through our website at canadiantaxinvestments.ca (the "Site").
By purchasing any product or service from our Site, you agree to be bound by this Refund Policy. If you do not agree with any part of this policy, please do not make any purchases from our Site.
2. Products and Services Covered
This Refund Policy applies to the following products and services:
- Premium digital content (e-books, guides, reports)
- Online courses and educational materials
- Subscription services (premium newsletter, membership areas)
- Webinars and digital events
- Consulting services (if applicable)
Please note that our free content, including blog articles and publicly available resources, is provided at no cost and therefore not subject to refunds.
3. Refund Eligibility
3.1 Digital Products (E-books, Guides, Reports)
Due to the nature of digital products that can be downloaded and accessed immediately after purchase, we have a limited refund policy for these items:
- Refund requests must be submitted within 14 days of the purchase date.
- You must provide a valid reason for your refund request.
- If the digital product is found to have technical issues that make it unusable (such as corrupt files or inability to access), we will either resolve the issue or provide a full refund.
- Simply changing your mind about a purchase is not generally grounds for a refund of digital products, as they cannot be "returned" in the traditional sense.
3.2 Online Courses
For online courses and educational materials:
- Refund requests must be submitted within 14 days of purchase or before completing more than 25% of the course content, whichever comes first.
- You must provide specific feedback about why the course did not meet your expectations.
- If you have downloaded course materials or accessed premium content, we reserve the right to deny or reduce the refund amount.
3.3 Subscription Services
For subscription-based services (such as premium newsletters or membership areas):
- Monthly subscriptions: You may cancel at any time, but we do not provide prorated refunds for partial months. Your subscription will remain active until the end of the current billing period.
- Annual subscriptions: Refund requests must be submitted within 14 days of the initial purchase or renewal date. After this period, we do not provide refunds for unused portions of annual subscriptions.
- If you cancel a subscription, you will lose access to all premium content at the end of your current billing period.
3.4 Webinars and Digital Events
For webinars and digital events:
- If you are unable to attend a live webinar or digital event, you will typically have access to a recording, and therefore no refund will be provided.
- If a webinar or digital event is canceled or rescheduled by us, you will be offered either a full refund or the option to attend the rescheduled event.
- Refund requests for technical issues that prevented you from accessing a live event must be submitted within 24 hours of the event's conclusion.
3.5 Consulting Services
For consulting or advisory services (if applicable):
- Cancellations made more than 48 hours before a scheduled consultation are eligible for a full refund.
- Cancellations made less than 48 hours before a scheduled consultation are not eligible for a refund but may be rescheduled at our discretion.
- No refunds will be provided after a consultation has taken place.
4. Exceptions to Refund Eligibility
Refunds will not be provided in the following circumstances:
- After the specified refund eligibility period has expired
- For digital products that have been fully downloaded, accessed, or consumed
- If you have violated our Terms and Conditions or engaged in fraudulent activity
- For fees related to chargebacks or payment disputes
- If the purchase was made as part of a bundle or special promotion explicitly marked as non-refundable
- If the reason for dissatisfaction is outside our control (such as changes in tax laws after content publication)
5. How to Request a Refund
To request a refund, please follow these steps:
- Contact our customer support team at info@canadiantaxinvestments.ca with the subject line "Refund Request"
- Include the following information in your request:
- Your full name
- Purchase date
- Order/transaction number
- Product or service purchased
- Reason for requesting a refund
- Any relevant supporting documentation or screenshots
We will acknowledge receipt of your refund request within 2 business days and process it within 5-10 business days.
6. Refund Processing
When a refund is approved, we will process it using the same payment method you used for the original purchase. The timing of when you will receive your refund depends on your payment method:
- Credit/debit cards: Refunds typically appear on your statement within 5-10 business days
- PayPal: Refunds are usually processed within 1-3 business days
- Bank transfers: Refunds may take 5-7 business days to appear in your account
Please note that your financial institution's policies may affect the exact timing of when a refund appears in your account.
7. Partial Refunds
In some cases, we may offer partial refunds at our discretion, such as:
- If you have accessed or used a significant portion of the purchased content
- If only part of a service or product failed to meet reasonable expectations
- For bundled products where some components have been accessed or used
The amount of a partial refund will be determined based on the nature of the product or service and the extent of usage.
8. Exchanges and Credits
In some cases, we may offer account credits or exchanges instead of monetary refunds. These alternatives may be offered:
- After the standard refund period has expired
- When you prefer to apply your purchase amount to a different product or service
- As a goodwill gesture in cases where a standard refund would not apply
Account credits will remain valid for 12 months from the date of issuance.
9. Satisfaction Guarantee
For specific products that are explicitly marketed with a satisfaction guarantee, the terms of that guarantee will be clearly stated on the product page and will supersede the general refund terms outlined in this policy. If you believe a product failed to meet its advertised satisfaction guarantee, please reference this in your refund request.
10. Changes to This Policy
We reserve the right to update or modify this Refund Policy at any time without prior notice. Changes will be effective immediately upon posting on the Site. Your continued use of the Site following the posting of changes constitutes your acceptance of such changes.
The refund terms that were in effect at the time of your purchase will apply to your transaction, even if we subsequently change our refund policy.
11. Contact Us
If you have any questions or concerns about our Refund Policy, please contact us at:
Canadian Tax Efficient Investment
Flat 79e Davis Avenue
Staceyshire L36 3RN
Email: info@canadiantaxinvestments.ca
Phone: +443269852615
