Refund Policy

Effective Date: January 1, 2025

Value Capital ("we," "us," or "our") is committed to ensuring customer satisfaction. This Refund Policy outlines the conditions and procedures for requesting refunds for any paid services or products offered through our website https://valuecapital.online/ (the "Site").

1. General Policy

We currently provide primarily educational content, white papers, and financial insights through our Site at no charge. However, should we offer any paid services, products, or premium content in the future, the following refund policy shall apply.

2. Eligibility for Refunds

2.1 Paid Services and Products

Refund eligibility depends on the type of service or product purchased:

Digital Products: White papers, reports, or educational materials purchased individually may be eligible for refund within 14 days of purchase if you have not accessed or downloaded the content
Subscription Services: If we offer subscription-based services, refunds may be available within 30 days of initial subscription purchase, provided the service has not been substantially used
Consultation Services: Refunds for consultation or advisory services must be requested at least 48 hours before the scheduled appointment

2.2 Non-Refundable Items

The following are generally not eligible for refunds:

Digital content that has been accessed, downloaded, or viewed
Services that have been fully delivered or completed
Consultation sessions that have already occurred
Subscription renewals after the initial refund period
Promotional or discounted purchases (unless otherwise stated)
Third-party services or products accessed through our Site

3. Refund Request Process

To request a refund, please follow these steps:

Contact Us: Send an email to [email protected] within the eligible refund period
Include Information: Provide your full name, email address, order/transaction number, date of purchase, and reason for refund request
Review Period: We will review your request within 5-7 business days
Decision Notification: You will receive an email notification regarding the approval or denial of your refund request
Processing: If approved, refunds will be processed within 10-14 business days to your original payment method

4. Refund Conditions

4.1 Time Limits

Refund requests must be submitted within the specified timeframe for each product or service type. Late requests will not be considered except in exceptional circumstances at our sole discretion.

4.2 Proof of Purchase

You must provide valid proof of purchase, including transaction ID, receipt, or confirmation email. We cannot process refund requests without verification of payment.

4.3 Account Status

Your account must be in good standing without violations of our Terms and Conditions. Refunds may be denied if there is evidence of policy abuse or fraudulent activity.

5. Refund Methods and Timing

5.1 Processing Time

Once a refund is approved:

Credit card refunds: 5-10 business days
Bank transfer refunds: 7-14 business days
PayPal refunds: 3-5 business days

Please note that the actual time for funds to appear in your account may vary depending on your financial institution.

5.2 Refund Method

Refunds will be issued to the original payment method used for the purchase. We cannot issue refunds to different accounts or payment methods.

5.3 Currency and Fees

Refunds will be issued in the same currency as the original transaction. Any transaction fees, currency conversion fees, or payment processing fees are non-refundable.

6. Partial Refunds

In certain circumstances, we may approve partial refunds:

For subscription services where only a portion of the billing period has elapsed
For bundled products or services where only some items have been accessed
As a goodwill gesture in cases of service disruption or technical issues

Partial refund amounts will be calculated on a pro-rata basis or at our discretion based on the circumstances.

7. Cancellation Policy

7.1 Subscription Cancellations

If we offer subscription services:

You may cancel your subscription at any time through your account settings
Cancellation will take effect at the end of the current billing period
No refunds will be provided for the remainder of the current billing period unless within the initial refund window
You will retain access to subscription benefits until the end of the paid period

7.2 Appointment Cancellations

For consultation or advisory appointments:

Cancellations made 48+ hours in advance: Full refund
Cancellations made 24-48 hours in advance: 50% refund
Cancellations made less than 24 hours in advance: No refund
No-shows: No refund

8. Exceptions and Special Circumstances

8.1 Technical Issues

If you experience technical problems preventing access to purchased content or services, please contact us immediately. We will work to resolve the issue or provide a refund if resolution is not possible.

8.2 Unauthorized Transactions

If you believe a charge was made without your authorization, contact us immediately at [email protected]. We will investigate and work with you to resolve the matter.

8.3 Exceptional Circumstances

We may consider refund requests outside the standard policy in cases of:

Medical emergencies
Death of the purchaser
Natural disasters or force majeure events
Significant service failures on our part

Documentation may be required, and approval is at our sole discretion.

9. Disputes and Chargebacks

We encourage you to contact us directly to resolve any payment disputes before initiating a chargeback with your financial institution. Initiating a chargeback without first attempting to resolve the issue with us may result in:

Suspension or termination of your account
Denial of future services
Legal action to recover costs associated with fraudulent chargebacks

IMPORTANT: If you have already received a refund and subsequently initiate a chargeback, this constitutes fraud and may result in legal action.

10. Changes to Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to the Site with an updated "Effective Date." Your continued use of our services after changes are posted constitutes acceptance of the modified policy.

For purchases made before policy changes, the policy in effect at the time of purchase will apply.

11. Contact Information

For refund requests, questions, or concerns about this Refund Policy, please contact us:

Value Capital
6 Kyleigh Amble
Port Amayahaven, NT 4822
France

Phone: +354677014562
Email: [email protected]

Registration Number: 71775906

Customer Service Hours:
Monday - Friday: 9:00 AM - 6:00 PM (CET)
Saturday - Sunday: Closed

12. Disclaimer

This Refund Policy applies only to products and services directly provided by Value Capital through https://valuecapital.online/. Third-party products, services, or platforms accessed through our Site are subject to their own refund policies.

Value Capital is not responsible for refunds related to:

Investment losses or financial decisions made based on information from our Site
Third-party services or products
User error or misunderstanding of purchased services

13. Governing Law

This Refund Policy is governed by the laws of France. Any disputes arising from refund requests or this policy shall be subject to the exclusive jurisdiction of the courts of France.

14. Acknowledgment

By making a purchase through our Site, you acknowledge that you have read, understood, and agree to be bound by this Refund Policy.