1. Einführung
Bei FinWomen ist uns Ihre Zufriedenheit mit unseren Produkten und Dienstleistungen sehr wichtig. Diese Rückerstattungsrichtlinie beschreibt unsere Bedingungen für Rückerstattungen und Stornierungen bei Käufen über unsere Websitefinwomen.de.
Mit dem Kauf von Produkten oder Dienstleistungen über unsere Website akzeptieren Sie die Bedingungen dieser Rückerstattungsrichtlinie. Bitte lesen Sie sie sorgfältig durch, um Ihre Rechte und Pflichten zu verstehen.
2. Bedingungen für Rückerstattungen
2.1 Digitale Produkte
Für digitale Produkte wie E-Books, Online-Kurse und herunterladbare Materialien:
- Wir bieten eine 14-tägige Geld-zurück-Garantie ab dem Kaufdatum, falls Sie mit dem Produkt nicht zufrieden sind.
- Um eine Rückerstattung zu erhalten, müssen Sie einen triftigen Grund für Ihre Unzufriedenheit angeben und nachweisen, dass Sie das Produkt in angemessener Weise genutzt haben.
- Wenn Sie mehr als 30 % eines Online-Kurses konsumiert haben, behalten wir uns das Recht vor, die Rückerstattung abzulehnen.
- Rückerstattungen sind ausgeschlossen für digitale Produkte, die vollständig heruntergeladen oder genutzt wurden oder deren Download-Links an Dritte weitergegeben wurden.
2.2 Anmeldungen zu Workshops und Veranstaltungen
Für Workshops, Webinare und Präsenzveranstaltungen:
- Eine vollständige Rückerstattung erfolgt, wenn die Stornierung mindestens 14 Tage vor dem Veranstaltungstermin erfolgt.
- Eine Rückerstattung in Höhe von 50 % erfolgt bei Stornierung 7–13 Tage vor dem Termin.
- Keine Rückerstattung bei Stornierung weniger als 7 Tage vor dem Termin.
- In lieu of a refund, you may transfer your registration to another person at no additional cost or defer to a future event (where applicable, subject to availability).
2.3 Consulting Services and Coaching
For one-on-one consulting, coaching sessions, and personalized financial advisory services:
- Full refund if cancellation is made at least 48 hours before the scheduled session.
- No refund for cancellations made less than 48 hours before the scheduled session.
- Sessions may be rescheduled without penalty with at least 24 hours' notice, subject to availability.
- For packages of multiple sessions, unused sessions may be refunded on a pro-rata basis, less a 15% administrative fee.
2.4 Membership Subscriptions
For recurring membership subscriptions:
- You may cancel your subscription at any time through your account settings or by contacting our customer support.
- For monthly subscriptions, no partial refunds are provided for the current billing period after cancellation.
- For annual subscriptions, a pro-rated refund may be available for the unused portion if canceled within 30 days of the most recent billing date, less a 15% administrative fee.
- No refunds will be issued for annual subscriptions after 30 days from the billing date.
3. Refund Process
3.1 How to Request a Refund
To request a refund, please follow these steps:
- Contact our customer support at [email protected] with the subject line "Refund Request"
- Include the following information in your email:
- Your full name and email address used for the purchase
- Order number or transaction ID
- Product or service purchased
- Date of purchase
- Reason for requesting a refund
- For certain products or services, we may request additional information to process your refund
You can also submit a refund request through our Contact Page.
3.2 Refund Processing Time
Once your refund request is approved:
- We will initiate the refund within 5 business days of approval.
- Credit card refunds typically take 5-10 business days to appear on your statement, depending on your card issuer.
- Bank transfers may take 3-7 business days to process.
- PayPal refunds are usually processed within 1-3 business days.
You will receive an email confirmation once your refund has been processed.
3.3 Refund Method
Refunds will be issued using the same payment method used for the original purchase:
- Credit card purchases will be refunded to the same card.
- PayPal purchases will be refunded to your PayPal account.
- Bank transfer payments will be refunded to the originating bank account.
In special circumstances where the original payment method is no longer available, we will work with you to find an alternative refund method.
4. Exceptions and Special Circumstances
4.1 Technical Issues
If you experience technical issues that significantly impair your ability to access or use our products or services, please contact our support team immediately. We will work to resolve the issue and may offer a refund if the problem cannot be adequately resolved.
4.2 Event Cancellations by FinWomen
If FinWomen cancels an event or workshop:
- You will be offered a full refund of your registration fee.
- Alternatively, you may choose to transfer your registration to another date or a comparable event.
- FinWomen is not responsible for any travel, accommodation, or other expenses incurred due to the cancellation.
4.3 Force Majeure
In cases of force majeure or circumstances beyond our reasonable control (including but not limited to natural disasters, governmental actions, or widespread technology failures), our refund policy may be modified. We will make reasonable efforts to provide alternative arrangements before considering refunds.
4.4 Promotional or Discounted Purchases
Products or services purchased at a discounted rate or through promotional offers may have different refund terms, which will be specified at the time of purchase. Generally, heavily discounted or promotional items are not eligible for refunds unless required by law.
5. Statutory Rights
For customers in the European Union, this Refund Policy does not affect your statutory rights, including your right of withdrawal under the EU Consumer Rights Directive and your rights under the applicable consumer protection laws in your country.
Under EU law, consumers have the right to withdraw from certain types of contracts within 14 days without giving any reason. However, this right of withdrawal does not apply to:
- Digital content after you have started to download or stream it
- Services that have been fully performed
- Customized or personalized products
- Sealed audio, video recordings, or computer software that has been unsealed after delivery
For more information about your statutory rights, please contact your local consumer protection authority.
6. Changes to This Refund Policy
We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting on the Website. It is your responsibility to review this Refund Policy periodically for changes. Your continued use of the Website and purchase of products or services following the posting of changes constitutes your acceptance of such changes.
7. 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 CET (Central European Time).
