1. Introduction
At Investments USA ("we," "our," or "us"), we are committed to ensuring your satisfaction with our services and products. This Refund Policy outlines the terms and conditions for refunds on purchases made through our website at investmentsusa.com (the "Site").
Please read this Refund Policy carefully before making any purchases. By making a purchase on our Site, you acknowledge that you have read, understood, and agree to be bound by the terms of this Refund Policy.
2. Products and Services Covered
This Refund Policy applies to the following products and services:
- Premium content subscriptions
- Investment research reports
- Online courses and educational materials
- Investment webinars and workshops
- Personal investment consultation services
- Other digital products and services offered on our Site
3. Refund Eligibility
3.1 Premium Subscriptions
For monthly subscription plans:
- You may cancel your subscription at any time
- Refunds are available within the first 14 days of your initial subscription ("Satisfaction Guarantee Period")
- No prorated refunds will be issued for cancellations after the Satisfaction Guarantee Period
- Cancellation will take effect at the end of your current billing cycle
For annual subscription plans:
- Full refunds are available within the first 30 days of your initial subscription
- Prorated refunds may be considered on a case-by-case basis after the 30-day period, subject to management approval
3.2 One-Time Purchases
For investment research reports, courses, and other one-time purchases:
- Full refunds are available within 14 days of purchase if you have not downloaded or accessed more than 25% of the content
- No refunds will be issued after 14 days from the purchase date
- No refunds will be issued if you have downloaded or accessed more than 25% of the content
3.3 Webinars and Online Events
- Full refunds are available up to 7 days before the scheduled event
- 50% refunds are available between 7 days and 48 hours before the scheduled event
- No refunds will be issued within 48 hours of the scheduled event
- If you cannot attend a live webinar, you will receive access to the recording without qualifying for a refund
3.4 Consultation Services
- Full refunds are available if canceled at least 48 hours before the scheduled consultation
- 50% refunds are available if canceled between 24-48 hours before the scheduled consultation
- No refunds will be issued for cancellations within 24 hours of the scheduled consultation
- Rescheduling is available at no charge if requested at least 24 hours in advance
4. Refund Exclusions
Refunds will not be issued in the following circumstances:
- After the refund eligibility periods specified above have expired
- For claims of dissatisfaction with market performance or investment outcomes, as all investment information is provided for educational purposes only
- If you have violated our Terms & Conditions
- For technical issues beyond our control (e.g., issues with your internet connection, device compatibility, etc.)
- For any special promotional items or services marked as "non-refundable" at the time of purchase
- If you have already received a refund for a previous purchase of the same product or service
5. Refund Process
5.1 How to Request a Refund
To request a refund, please follow these steps:
- Send an email to support@investmentsusa.com with the subject line "Refund Request"
- Include your full name, email address associated with the purchase, and order/transaction ID (if available)
- Provide the name of the product or service for which you are requesting a refund
- Explain the reason for your refund request
- Indicate your preferred refund method (original payment method is the default)
Alternatively, you can submit a refund request through our Contact Page by selecting "Refund Request" from the subject dropdown menu.
5.2 Refund Processing Time
We aim to process all refund requests within the following timeframes:
- Initial response to your request: Within 2 business days
- Decision on refund eligibility: Within 5 business days
- Processing of approved refunds: Within 10 business days after approval
Once processed by our team, the actual timing of receiving the refund in your account depends on your payment method and financial institution:
- Credit/debit cards: 5-10 business days
- PayPal: 3-5 business days
- Bank transfers: 5-10 business days
6. Refund Methods
Refunds will typically be issued using the original payment method used for the purchase. However, in certain circumstances, we may issue refunds through alternative methods:
- Credit to your account for future purchases
- Bank transfer (for large amounts or when the original payment method is no longer available)
- Other payment methods as agreed upon by both parties
7. Special Circumstances
7.1 Technical Issues
If you experience technical issues that significantly impact your ability to access or use our products or services, please contact our support team immediately at support@investmentsusa.com. We will work to resolve the issue before considering a refund request.
7.2 Service Interruptions
In the event of prolonged service interruptions due to maintenance, server issues, or other factors within our control, we may extend your subscription period or offer partial refunds at our discretion.
7.3 Product or Service Changes
If we make significant changes to a product or service after your purchase that materially reduces its value or functionality, you may be eligible for a partial or full refund even after the standard refund period has expired.
8. Repeated Refund Requests
We reserve the right to deny refund requests from customers who have a history of excessive refund requests or who we determine are abusing our refund policy. This includes, but is not limited to:
- Requesting refunds for more than two purchases within a six-month period
- Patterns of purchasing, accessing content, and then requesting refunds
- Any behavior that suggests bad faith or an attempt to circumvent payment for services rendered
9. Changes to This Policy
We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to the Site. Your continued use of our Site and services following the posting of changes constitutes your acceptance of such changes.
Any changes to our Refund Policy will not apply retroactively to purchases made before the change was published.
10. Contact Information
If you have any questions about this Refund Policy or would like to request a refund, please contact us at:
Our customer support team is available Monday through Friday, 9:00 AM to 5:00 PM GMT.