Refund and Cancellation Policy

1. What this covers

This policy applies to every digital education plan bought with a payment card on Trading.am.

This is digital content that opens immediately after payment. Physical returns and delivery-related conditions do not apply here.

2. Try the free lessons first

A substantial part of the site is free. Before paying anything, you can fully judge the teaching style, the level of the material and the quality of the presentation. Please do that first, because there is no refund after payment.

3. We do not give refunds

Once a payment is confirmed, the entire contents of the plan open immediately on your account. From that moment the service is considered delivered, and the payment is not refunded.

In particular, none of the following are grounds for a refund:

• Changing your mind after buying the plan
• Not viewing the material, or not finding the time for it
• The learning not having produced the financial result you hoped for
• Losses you took in the market
• Disagreeing with the level of the content or the style it is presented in

4. Exceptions: when the service was not actually delivered

We refund only where the fault is ours:

• The payment went through but access never opened, and we were unable to restore it
• The same plan was charged more than once
• You were charged for the wrong plan because of a technical error on our side
• The site was unavailable for a prolonged period through our fault and you could not use the content you had bought

5. Cancelling a subscription

You can cancel a monthly subscription at any time, from your account page or by writing to us. Cancelling stops the next payment.

Access for the month already paid for continues until that period ends, but no partial refund is given for a month that has already begun.

6. How to submit a request

If your case matches one of the exceptions above, send us an email including:

• The email address on the account
• The date and amount of the payment
• The name of the plan purchased
• A description of the problem
• The transaction identifier from the bank, if you have it

7. Timing and method

We review a request within 5 working days of receiving it and tell you the outcome in writing.

An approved refund is made only to the same card used for the payment, in the same currency. The money reaches the card within 3–10 banking days depending on your bank. That period is set by the bank, not by us.

8. If you disagree with the decision

If a request is declined and you disagree, write to us first. Most cases are resolved directly by email, and faster than going through a bank.

This policy does not limit the rights given to you by the law of the Republic of Armenia, including the option of contacting your own bank.