Refund policy

The principle

You should not pay for something you did not get. Where we have not delivered, you get your money back. Where you have consumed a substantial part of the programme and changed your mind, you have not.

Everything below is an application of that idea. If your situation is not covered, tell us and we will apply the principle rather than hide behind the absence of a clause.

Cooling-off period

You can cancel within seven days of enrolment for a full refund, provided you have not yet completed the Screen stage. No reason is required and we will not ask for one.

After the Screen stage

Once your baseline score and gap report have been produced, the diagnostic work is done and that portion is non-refundable. The remaining programme fee is refundable on a pro-rata basis against modules not yet released to you.

Coaching sessions already delivered are not refundable. Sessions booked but not yet held are.

What is not refundable

A short list, stated plainly so there is nothing to discover later.

• The Screen stage, once your baseline score and gap report have been produced.
• Coaching and mock interview sessions that have already taken place.
• Modules already released to your account, whether or not you worked through them.
• Certification fees, once a certificate has been issued.
• Payment gateway charges and currency conversion costs, which we do not receive.

If we cannot deliver

If we cancel a cohort, fail to deliver a stage your plan includes, or cannot run your discipline track, you get a full refund of the undelivered portion regardless of where you are in the programme.

This applies whether the cause is ours or a supplier's. You should not absorb the cost of a third-party failure you had no part in choosing.

How a refund is paid

Refunds go back to the original payment method. We cannot redirect a refund to a different card, account or person, because that is how refund fraud works and our payment provider will not permit it.

We approve or decline within five working days of receiving your request. Once approved, the money typically reaches you within five to ten working days, depending on your bank.

Currency and conversion

Refunds are issued in the currency you paid in, for the amount we received. If exchange rates have moved since you paid, the amount that lands in your account may differ from what left it. That difference is your bank's, not ours, and we cannot compensate for it.

Chargebacks

If you believe a charge is wrong, contact us before raising a chargeback. A chargeback freezes the account and the funds while the provider investigates, which slows down the resolution for both of us.

We will always engage with a genuine dispute directly and faster than a bank can.

How to request one

Message us on WhatsApp or email support@transformmi.net. We will confirm within two working days.

Tell us your registered email, roughly when you enrolled and what you are asking for. You do not need to justify a cooling-off cancellation, and you will not be put through a retention conversation you did not ask for.

If you disagree with our decision

Ask for it to be reviewed by someone who was not involved the first time, and we will arrange that. If you are still not satisfied, the dispute route in the terms and conditions applies.