This Refund, Trial and Cancellation Policy applies to subscriptions for Code of Talent MICROLEARNING and Code of Talent RADAR, provided by CODE OF TALENT LTD.
Payments, recurring billing, refunds and subscription payment processing are handled through 2Checkout (Verifone), acting as Merchant of Record for applicable transactions.
1. 14-Day Free Trial
New customers may be eligible for a 14-day free trial of the Service.
During the free trial, you may access and evaluate the features made available under the trial plan without paying a subscription fee.
At the end of the 14-day trial period, you must select and purchase a paid subscription in order to continue using the paid features of the Service.
Unless expressly stated otherwise during signup, the free trial does not automatically create a paid subscription.
If no paid subscription is purchased after the trial expires, access to paid features may be suspended or restricted.
2. Subscription Plans
After the free trial, customers may choose between:
- a Monthly Subscription, billed in advance each month; or
- an Annual Subscription, billed in advance for the entire year and offered at a discounted rate compared with paying monthly for the same period.
The applicable subscription price, billing frequency and any annual discount will be clearly displayed before purchase.
By purchasing a recurring subscription, you authorize 2Checkout to charge the applicable subscription fee according to the billing frequency selected until the subscription is cancelled.
3. 14-Day Money-Back Period
After your initial paid subscription purchase, you have 14 days to change your mind and request a full refund.
This applies to both Monthly and Annual Subscription plans.
For example:
- you may use the Service during the 14-day free trial;
- after the trial, you may purchase a paid subscription;
- from the date of that first paid purchase, you have an additional 14-day money-back period.
A refund requested within this period will generally cover the full amount paid for the initial subscription purchase.
No cancellation, administrative or restocking fee will be deducted from an approved refund.
4. Refunds After the Initial 14-Day Period
After the initial 14-day money-back period has expired, subscription payments are generally non-refundable.
This means that we do not normally provide full or partial refunds for:
- unused subscription time;
- partial months or partial annual subscription periods;
- failure to use the Service;
- a decision to stop using the Service after the 14-day refund period;
- cancellation made after a renewal payment has already become due.
Exceptions may apply where:
- you were charged incorrectly;
- a duplicate payment was processed;
- a material technical issue attributable to the Service prevented you from accessing the purchased service;
- a refund is required under applicable law;
- mandatory consumer rights apply;
- 2Checkout determines that a refund should be issued under its applicable terms and policies.
Such situations will be evaluated on a case-by-case basis.
5. Automatic Renewal
Unless cancelled, subscriptions automatically renew according to the billing cycle selected at purchase.
Monthly Subscription
A Monthly Subscription renews each month and the applicable monthly subscription fee is charged in advance.
Annual Subscription
An Annual Subscription renews every 12 months and the applicable annual subscription fee is charged in advance.
Annual subscriptions may include a discount compared with the equivalent cost of 12 monthly payments. The applicable discount will be displayed before purchase.
Before completing your purchase, you will be informed of the subscription price, billing frequency and applicable renewal terms.
6. Cancelling Your Subscription
You may cancel your subscription at any time before the next renewal date.
Cancellation prevents your subscription from being charged for the next billing period.
Unless otherwise required by applicable law:
- cancellation does not retroactively refund amounts already paid;
- your subscription will remain active until the end of the current paid billing period; and
- access to paid features will end when that billing period expires.
For example, if you purchase an Annual Subscription and cancel it after the initial 14-day money-back period, you will normally continue to have access until the end of the annual period already paid for, but you will not be charged for another year.
Subscriptions processed by 2Checkout may also be managed or cancelled through the 2Checkout customer account facilities made available to you following purchase.
7. Renewal Payments
Renewal payments are generally non-refundable once the applicable renewal period has started, except where:
- mandatory consumer protection legislation provides otherwise;
- 2Checkout’s applicable terms provide additional withdrawal or refund rights; or
- we approve a refund due to exceptional circumstances such as an incorrect or duplicate charge.
Where required, customers will receive renewal notifications in accordance with applicable law and 2Checkout’s subscription terms.
8. Consumer Right of Withdrawal
The 14-day money-back period described above is part of our commercial refund policy.
Separately, customers who qualify as Consumers may have mandatory statutory rights under the laws applicable to them.
In particular, eligible Consumers may have a legal right to withdraw from certain online contracts within 14 days.
Under the applicable 2Checkout Shopper Terms, additional withdrawal rights may also apply to certain subscription events, including certain annual renewals or the expiry of an initial trial period.
Nothing in this Policy limits or excludes any mandatory consumer rights that cannot legally be waived.
Where applicable law or the 2Checkout Shopper Terms provide rights that are more favorable than this Policy, those rights will prevail.
9. Business Customers
Our Service is primarily intended for business and professional use.
Where a subscription is purchased by a company, organization or individual acting for purposes related to their trade, business or profession, statutory consumer withdrawal rights may not apply.
However, the 14-day money-back period following the initial paid subscription purchase described in Section 3 is offered under this Policy regardless of whether the eligible customer qualifies as a Consumer, subject to any exclusions expressly stated at the time of purchase.
10. How to Request a Refund
To request a refund during the applicable refund period, please contact us at:
Email: support@codeoftalent.com
Please provide:
- your name;
- your company name;
- the email address used for the purchase;
- your 2Checkout order or subscription number, if available; and
- a short description of your request.
You may also submit eligible refund or withdrawal requests directly through the customer support options provided by 2Checkout.
Approved refunds will normally be processed through 2Checkout using the original payment method.
11. Refund Processing Time
Once a refund has been approved and processed, the time required for the funds to appear in your account may vary depending on:
- the payment method used;
- your bank or card issuer;
- the country in which the payment was made; and
- 2Checkout’s payment processing procedures.
We cannot control processing times imposed by banks, payment providers or card issuers.
12. Exceptional Circumstances
We reserve the right to consider refund requests outside the standard refund period in exceptional circumstances.
These may include:
- significant and prolonged Service availability issues attributable to us;
- incorrect billing;
- duplicate transactions; or
- other circumstances where we determine that a refund is appropriate.
Any discretionary refund does not create an obligation to provide the same refund in other circumstances.
13. Changes to This Policy
We may update this Refund, Trial and Cancellation Policy from time to time.
The latest version will always be published on this page together with its effective or last updated date.
Any changes will not affect mandatory statutory rights or refund rights that already apply to a purchase made before the updated Policy became effective.
14. Contact
For questions regarding subscriptions, cancellations or refunds, please contact:
CODE OF TALENT LTD
Email: support@codeoftalent.com
Website: www.codeoftalent.com
For payment-related matters, you may also use the customer support and account management services provided by 2Checkout (Verifone).