<h4>1. Scope</h4>

<p>This Refund Policy applies to fees paid for use of this platform and related services (e.g. subscription or one-time charges). It does not cover refunds for financial products (e.g. loans or savings) offered by your institution to its members; those are governed by your institution's own terms and by applicable law.</p>

<h4>2. Subscription and service fees</h4>

<p>Fees for platform access, subscriptions, or add-ons are generally non-refundable once the service has been provided or the billing period has started. If you believe you have been charged in error (e.g. duplicate charge, wrong amount), contact us with the transaction details and we will investigate and, where appropriate, issue a refund or credit.</p>

<h4>3. Cancellation</h4>

<p>If you cancel your subscription or service, you may use the platform until the end of the current billing period. We do not refund unused portions of a billing period unless otherwise agreed or required by law.</p>

<h4>4. Refund requests</h4>

<p>To request a refund, contact us using the contact information provided by your institution or on this website. Include your account details, the date and amount of the charge, and the reason for your request. We will respond within a reasonable time and will process valid refunds in accordance with this policy and applicable law.</p>

<h4>5. Method of refund</h4>

<p>Approved refunds will be made using the same payment method used for the original charge, or by another method we agree with you. Refunds may take several business days to appear depending on your bank or payment provider.</p>

<h4>6. Changes</h4>

<p>We may update this Refund Policy from time to time. We will notify you of material changes where required. Continued use of the platform after changes constitutes acceptance of the updated policy.</p>

<h4>7. Contact</h4>

<p>For refund-related questions or requests, contact us using the contact information provided by your institution or on this website.</p>