RETURN & REFUND POLICY
Last Updated: April 14, 2025

This Return & Refund Policy applies to purchases made on Speak and Learn (“Company,” “we,” “our,” or “us”) via [https://speak-and-learn.com] (“Website”). By purchasing from our Website, you acknowledge and agree to the terms outlined below.

1. NO REFUNDS – ALL SALES ARE FINAL
All purchases made on this Website are non-refundable and non-exchangeable, without exception. By completing a purchase, you acknowledge and accept that you are not entitled to any refund, return, or credit under any circumstances.
We do not process refunds for:
Digital products (including but not limited to downloadable content, courses, learning materials)
Failure to access, use, or complete the purchased product
Subjective dissatisfaction, change of mind, or personal reasons
Discounted, promotional, or bundled offers
Legal Notice (EU Compliance):
In accordance with Article 16(m) of the EU Consumer Rights Directive (2011/83/EU), you acknowledge and waive your statutory right of withdrawal once digital content has been accessed or downloaded.
A mandatory consent checkbox confirming this waiver is presented and required before completing a purchase.
By purchasing, you waive your right to any refund claims and agree that all sales are final and non-reversible.
2. DISPUTES & CHARGEBACKS
Attempting to initiate a chargeback or dispute a transaction with your payment provider will result in:
Immediate termination of access to all purchased content
Formal dispute process where this policy and your agreement will be submitted as evidence
A permanent ban from future purchases on our Website
Fraudulent chargeback attempts will be pursued through legal action to recover funds, including administrative and legal costs.
3. POLICY UPDATES
We reserve the right to update or modify this policy at any time. Changes will take effect immediately upon posting on this page. Continued use of our services constitutes acceptance of any revised terms.
4. CONTACT INFORMATION
📧 Email: help@speak-and-learn.com

By making a purchase, you confirm that you have read, understood, and accepted this Return & Refund Policy.