REFUND & CANCELLATION POLICY

Version: 2.0Effective Date: June 2023
1. PurposeThis Refund & Cancellation Policy ("Policy") explains the circumstances under which refunds, cancellations, credits, rescheduling requests, and account terminations are handled for training programs, memberships, coaching sessions, educational resources, and other services provided by QOLD Business & People Development Inc., operating under CIQHR™, LHRC™, and related educational programs ("CIQHR," "we," "our," or "us").This Policy should be read together with our:• Website Terms of Use • Training Terms & Conditions • Privacy Policy • Intellectual Property & Licensing Policy • Cookie Policy • Any additional written agreements applicable to your purchase 
2. General PolicyCIQHR strives to provide clear program information before purchase so that participants can make informed decisions.Because many of our services involve immediate access to digital educational content, course materials, downloadable resources, coaching, and online learning platforms, refund eligibility may be limited once access has been provided, subject to applicable law.
3. Eligibility for Refund RequestsUnless otherwise stated in writing or required by applicable law, participants may request a refund within two (2) calendar days of the original purchase date.To be eligible, the request must:• be submitted in writing; • be received within the applicable refund period; • include sufficient information to identify the purchase. Submission of a request does not automatically result in approval.
4. Refund ReviewEach refund request is reviewed individually.CIQHR may consider factors including:• the date of purchase; • the date access was activated; • whether coaching has been delivered; • whether downloadable resources have been accessed where technically verifiable; • the nature of the request; • applicable consumer protection legislation. 
5. Circumstances That May Affect Refund EligibilitySubject to applicable law, refunds may be reduced, declined, or unavailable where:• the refund request is submitted after the applicable refund period; • the participant has substantially completed the program; • the participant has materially breached applicable agreements; • fraudulent activity is reasonably suspected; • payment has been reversed through an unauthorized chargeback; • the participant obtained access through misuse or unauthorized activity. Nothing in this section limits any rights that cannot legally be excluded.
6. Non-Refundable ItemsUnless otherwise required by applicable law or expressly agreed in writing, the following are generally non-refundable once delivered or made available:• completed coaching sessions; • completed consulting sessions; • customized services; • personalized reports; • administrative fees; • replacement certificates; • optional expedited services; • fees charged by banks or payment providers; • taxes and governmental charges not recoverable by CIQHR. 
7. Promotional PricingTraining purchased under promotional pricing, coupon codes, scholarships, regional campaigns, or special offers remains subject to this Policy unless the specific promotion expressly provides different terms.
8. Payment PlansParticipants using payment plans remain responsible for payments already due before any approved cancellation becomes effective.Where a refund is approved:• any refund will normally reflect amounts actually paid; • future scheduled payments may be cancelled where appropriate; • applicable deductions permitted by law or agreement may apply. 
9. Failure to Complete TrainingParticipants are responsible for completing their training within the applicable access period.Failure to:• begin a course; • complete a course; • attend coaching; • use educational resources; • finish learning activities; does not, by itself, create entitlement to a refund, extension, or credit.
10. Expired AccessWhere course access expires in accordance with the applicable Training Terms, expired access does not create an entitlement to a refund.Participants may contact CIQHR regarding available reactivation options where applicable.
11. Technical DifficultiesIf a participant experiences technical problems preventing reasonable access to the Training Services, CIQHR should be notified as soon as reasonably possible.Where appropriate, CIQHR may:• investigate the issue; • provide technical assistance; • restore access where feasible; • offer reasonable alternatives where appropriate. Technical issues beyond CIQHR's reasonable control, including participant equipment, internet connectivity, browser compatibility, or third-party service interruptions, may affect available remedies.
12. Duplicate PaymentsIf duplicate payments are confirmed, CIQHR will make reasonable efforts to correct the error by issuing an appropriate refund or account adjustment.
13. Cancellation by ParticipantsParticipants may discontinue participation at any time.Cancellation of participation does not automatically entitle the participant to a refund.Refund eligibility remains governed by this Policy and applicable law.
14. Cancellation by CIQHRCIQHR reserves the right to cancel, postpone, discontinue, or modify a Training Service where reasonably necessary, including due to:• operational requirements; • instructor availability; • insufficient enrolment; • security concerns; • force majeure events; • legal or regulatory requirements. Where appropriate, CIQHR may offer one or more of the following:• rescheduling; • transfer to another available program; • account credit; • partial refund; • full refund. The appropriate remedy will depend on the circumstances.
15. ChargebacksParticipants are encouraged to contact CIQHR before initiating a payment dispute or chargeback.Where a chargeback is initiated:• access to Training Services may be suspended while the matter is reviewed; • CIQHR may provide supporting documentation to the payment provider; • participants remain responsible for amounts lawfully owed. Nothing in this section limits any legal rights available to either party.
16. Fraud PreventionCIQHR reserves the right to decline refunds where there is reasonable evidence of:• identity fraud; • payment fraud; • misuse of promotional offers; • unauthorized account sharing; • abuse of refund policies; • other unlawful activity. Any such decision will be made in good faith and in accordance with applicable law.
17. Processing TimeApproved refunds are generally processed within a reasonable period after approval.Actual receipt of funds depends on:• payment providers; • financial institutions; • card issuers; • banking systems. CIQHR is not responsible for delays caused by third-party payment providers.
18. Method of RefundApproved refunds will normally be issued using the original payment method where reasonably practicable.Where this is not possible, CIQHR may use another reasonable method permitted by applicable law.
19. No WaiverApproval of one refund request does not create an obligation to approve future requests.Each request is assessed on its own circumstances.
20. Consumer RightsNothing in this Policy is intended to exclude, restrict, or waive any rights that participants may have under applicable consumer protection legislation.Where mandatory legal rights differ from this Policy, those legal rights will prevail to the extent required by law.
21. Changes to This PolicyCIQHR may update this Policy from time to time to reflect changes in:• applicable laws; • business operations; • educational services; • payment practices. The most current version will be published on our Website together with its effective date.Material changes will apply prospectively unless otherwise required by law.
22. Contact InformationQuestions regarding this Refund & Cancellation Policy may be directed to:QOLD Business & People Development Inc.Operating under:• CIQHR™ • LHRC™ • Lead HR Consultancy™ • Lead HR Coaching™ Website: https://www.ciqhr.com www.ciqhr.caEmail: moc.rhqic%40ofni ac.rhqic%40ofni
23. AcknowledgementBy purchasing, registering for, or participating in any CIQHR Training Service, you acknowledge that you have read, understood, and agree to this Refund & Cancellation Policy.
Digital Content Acknowledgement: By completing your purchase and accessing digital training materials, you acknowledge that certain digital educational resources may become available immediately after payment. Where permitted by applicable law, your access to such digital content may affect your eligibility for a refund under this Policy. Nothing in this acknowledgement limits any mandatory rights you may have under applicable consumer protection laws.