Refund Policy

Effective Date: January 1, 2025

At Meta Data Vision Canada, we are committed to providing high-quality educational courses that meet your learning needs. We stand behind the value of our educational content and want you to be satisfied with your investment in your financial education.

This Refund Policy explains the terms and conditions under which refunds may be requested and processed for course purchases made through our website at metadatavision.info.

1. Eligibility for Refunds

1.1 Time Frame

To be eligible for a refund, you must request it within 30 calendar days from the date of purchase. The purchase date is determined by the timestamp on your payment confirmation email.

Refund requests made after the 30-day period will not be accepted, except in extraordinary circumstances as determined by Meta Data Vision Canada at our sole discretion.

1.2 Course Access and Usage

Refunds are available regardless of how much of the course content you have accessed or completed within the 30-day window. We believe in our content and understand that you need to experience the course to evaluate its value.

However, we reserve the right to deny refunds if we detect patterns of abuse, including but not limited to:

• Requesting refunds for multiple courses after completing or substantially completing them
• Evidence of content downloading or reproduction before requesting a refund
• Multiple refund requests from the same user
• Attempts to share or redistribute course materials
• Violations of our Terms and Conditions

1.3 Eligible Purchases

The 30-day money-back guarantee applies to:

• All individual course purchases
• Course bundles purchased as a package
• First-time purchases of any specific course

1.4 Non-Eligible Purchases

The following are NOT eligible for refunds:

• Promotional or discounted courses that explicitly state "non-refundable" at the time of purchase
• Gift purchases (the gift recipient must request the refund)
• Courses purchased more than 30 days ago
• Re-purchases of courses previously refunded
• Third-party services or products not provided directly by Meta Data Vision Canada
• Administrative or processing fees (if applicable)

2. How to Request a Refund

If you wish to request a refund, please follow these steps:

3. Refund Processing Details

3.1 Processing Time

While we strive to process refunds as quickly as possible, the complete refund process involves several steps:

• Request Review: 1-2 business days
• Refund Processing: 5-7 business days after approval
• Bank Processing: 3-10 business days (varies by institution)
• Total Time: Typically 7-15 business days from approval to receipt

3.2 Refund Method

Refunds will be issued to the original payment method used for the purchase:

• Credit card refunds will be credited to the same credit card
• Debit card refunds will be credited to the same debit card
• If the original payment method is no longer available, please contact us to arrange an alternative refund method

3.3 Taxes

If applicable taxes were charged on your original purchase, these will be refunded along with the course fee. The full amount you paid, including taxes, will be refunded.

3.4 Currency

Refunds will be issued in Canadian dollars (CAD), the same currency as the original purchase. If your financial institution applies currency conversion fees, those fees are your responsibility.

4. Account Access After Refund

Once a refund is processed:

• Your access to the refunded course will be immediately revoked
• You will no longer be able to access course videos, materials, or downloadable content
• Any certificates received for the refunded course will be invalidated
• You will be unsubscribed from course-specific email communications
• Your general account will remain active for future purchases

5. Partial Refunds

5.1 Course Bundles

If you purchased a course bundle (multiple courses sold together at a package price):

• You may request a full refund of the entire bundle within 30 days
• Partial refunds for individual courses within a bundle are not available
• If you request a refund for a bundle, access to all courses in the bundle will be revoked

5.2 Technical Issues

If you experience technical difficulties accessing course content and these issues cannot be resolved within a reasonable timeframe, we may offer:

• Extended access to compensate for downtime
• A partial refund if significant portions of the course are inaccessible
• A full refund if the technical issues render the course unusable

Please contact our support team immediately if you experience technical problems so we can work to resolve them promptly.

6. Exceptional Circumstances

6.1 Extended Refund Consideration

While our standard refund policy requires requests within 30 days, we may consider refund requests beyond this period in exceptional circumstances, including but not limited to:

• Serious illness or medical emergency that prevented course completion
• Family emergencies or bereavement
• Military deployment or relocation
• Natural disasters or other force majeure events
• Significant errors or misrepresentations in course descriptions

These exceptions are evaluated on a case-by-case basis at our sole discretion. Please provide relevant documentation when requesting consideration for exceptional circumstances.

6.2 Course Updates and Changes

If we make substantial changes to a course you have purchased that significantly affect its value or content, you may be eligible for a refund even after the 30-day period. This includes:

• Removal of major course sections or modules
• Significant reduction in course content
• Changes that make the course substantially different from what was advertised at purchase

7. Non-Refundable Situations

8. Chargebacks and Payment Disputes

8.1 Contact Us First

Before initiating a chargeback or payment dispute with your financial institution, we strongly encourage you to contact us directly. Most issues can be resolved quickly and amicably through our refund process or customer support.

8.2 Chargeback Consequences

If you initiate a chargeback or payment dispute:

• Your account and access to all courses will be immediately suspended
• We will provide documentation of our refund policy and your agreement to terms at purchase
• If the chargeback is found to be invalid, your account may be permanently banned
• You may be responsible for chargeback fees and collection costs

8.3 Fraudulent Chargebacks

Filing a fraudulent chargeback (claiming non-receipt of services after accessing course content) is a serious matter that may result in:

• Permanent ban from our services
• Legal action to recover losses
• Reporting to relevant authorities

9. Gift Purchases

9.1 Refund Eligibility

For courses purchased as gifts:

• The gift recipient (not the purchaser) must request the refund
• The 30-day period begins when the gift recipient activates the course
• Refunds are issued to the original payment method used by the purchaser
• Both the purchaser and recipient will be notified of the refund

9.2 Unredeemed Gifts

If a gift code has not been redeemed:

• The purchaser may request a refund within 30 days of purchase
• The gift code will be deactivated upon refund approval
• Once redeemed, only the recipient can request a refund

10. Course Satisfaction Guarantee Details

10.1 Our Commitment

We are confident in the quality and value of our courses. Our 30-day money-back guarantee demonstrates this commitment. We want you to:

• Feel confident when enrolling in our courses
• Have adequate time to evaluate course content
• Experience worry-free learning
• Receive value for your investment in financial education

10.2 What We Ask

In return, we ask that you:

• Give the course a fair evaluation
• Contact our support team if you encounter issues or have concerns
• Use the refund policy responsibly and in good faith
• Provide honest feedback to help us improve our courses
• Respect our intellectual property and do not reproduce or distribute content

11. Alternative Resolutions

If you are dissatisfied with a course but not seeking a refund, we offer alternative resolutions:

11.1 Course Exchange

Within the 30-day period, you may exchange a course for another of equal or lesser value. Price differences will be refunded; additional payment may be required for more expensive courses.

11.2 Technical Support

If you're experiencing technical difficulties, our support team is available to help resolve issues that may be affecting your experience.

11.3 Extended Access

If time constraints prevented you from completing the course, we may offer extended access rather than a refund.

11.4 Course Credit

In some cases, we may offer course credit toward future purchases as an alternative to a monetary refund.

12. Refund Policy Updates

Meta Data Vision Canada reserves the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website with an updated effective date.

However, any changes to this policy will not affect refund requests for purchases made before the policy change. The refund policy in effect at the time of your purchase will govern your refund eligibility.

13. Contact Information for Refund Requests

14. Governing Law

This Refund Policy is governed by the laws of the Province of New Brunswick and the federal laws of Canada applicable therein. Any disputes arising from refund requests or this policy shall be subject to the exclusive jurisdiction of the courts of New Brunswick, Canada.

15. Agreement to Terms

By purchasing courses from Meta Data Vision Canada, you acknowledge that you have read, understood, and agree to this Refund Policy. This policy is part of our Terms and Conditions and your agreement to purchase courses constitutes acceptance of these terms.

If you do not agree with this Refund Policy, please do not purchase our courses.