At IOLX (Interactive Online Learning Experience), we are committed to providing high-quality online learning experiences. We understand that circumstances may change, and this Refund Policy explains when refunds may be available.

1. Course Purchases

If you are not satisfied with a course you have purchased, you may request a refund within 14 days of the purchase date, provided that:

• You have not completed more than 20% of the course.
• You have not received or claimed a certificate of completion.
• The refund request complies with this policy.

Refund requests submitted after the eligible period may not be approved.

2. Subscription Plans

If IOLX offers subscription-based services, you may cancel your subscription at any time.

• Cancellation prevents future billing.
• Subscription fees already paid are generally non-refundable, except where required by applicable law.

3. Non-Refundable Purchases

Refunds are generally not available for:

• Courses that have been substantially completed.
• Courses for which a certificate has already been issued.
• Downloadable digital resources after they have been accessed or downloaded.
• Purchases made in violation of our Terms and Conditions.
• Promotional, discounted, or special-offer purchases marked as non-refundable.

4. Duplicate or Unauthorized Charges

If you believe you have been charged twice or notice an unauthorized transaction, please contact us promptly. After verification, eligible duplicate or unauthorized charges will be refunded.

5. Refund Process

To request a refund, contact our support team through the contact information provided on the IOLX website and include:

• Your full name
• Registered email address
• Course name
• Order or transaction reference
• Reason for the refund request

We may request additional information to verify your purchase.

6. Processing Time

Approved refunds are typically processed within 5–10 business days. The time it takes for the funds to appear in your account depends on your payment provider or financial institution.

7. Right to Refuse Refunds

IOLX reserves the right to refuse refund requests that are fraudulent, abusive, or inconsistent with this Refund Policy.

8. Changes to This Policy

We may update this Refund Policy from time to time. Any changes will be published on this page with a revised effective date.

9. Contact Us

If you have any questions about this Refund Policy or need assistance with a refund request, please contact us using the contact information available on the IOLX website.