Refund Policy

Last updated: May 15, 2024

1. Introduction

Swiss Business Hub is committed to ensuring the satisfaction of our clients with our consulting services, digital products, and educational resources. This Refund Policy outlines the conditions under which we provide refunds for our services and products.

By purchasing our services or products, you agree to the terms of this Refund Policy. We reserve the right to modify this policy at any time, with changes taking effect upon posting to our website.

2. Types of Services and Products

Our refund policy varies depending on the type of service or product:

2.1 Consulting Services

This includes business consultations, market entry strategy sessions, tax advisory, and other personalized professional services.

2.2 Digital Products

This includes downloadable guides, reports, templates, and other digital resources available for purchase on our website.

2.3 Educational Programs

This includes webinars, online courses, workshops, and other educational offerings.

2.4 Subscription Services

This includes ongoing memberships, newsletter subscriptions, and recurring access to our resources or services.

3. Conditions for Refunds

3.1 Consulting Services

For consulting services, the following refund conditions apply:

  • Cancellation before service delivery: If you cancel your scheduled consultation or service at least 48 hours before the appointment time, you are eligible for a full refund.
  • Cancellation within 48 hours: If you cancel within 48 hours of your scheduled appointment, a 50% cancellation fee will apply.
  • No-shows: If you fail to attend a scheduled consultation without prior notice, no refund will be provided.
  • Service quality issues: If you are dissatisfied with the quality of our consulting services, you must notify us in writing within 7 days of service delivery. Refund requests will be evaluated on a case-by-case basis.

3.2 Digital Products

For digital products, the following refund conditions apply:

  • Defective products: If the digital product is defective, corrupted, or cannot be accessed due to technical issues on our end, you are eligible for a full refund or replacement.
  • Satisfaction guarantee: We offer a 14-day satisfaction guarantee for most digital products. If you are dissatisfied with your purchase, you may request a refund within 14 days of purchase, provided you include a detailed explanation of why the product did not meet your expectations.
  • Downloaded or accessed content: Once a digital product has been downloaded or substantial portions have been accessed, refund eligibility may be limited.

3.3 Educational Programs

For educational programs, the following refund conditions apply:

  • Webinars and live events: For pre-recorded webinars, a 7-day satisfaction guarantee applies. For live events, cancellations made at least 48 hours in advance are eligible for a full refund. Cancellations within 48 hours may receive a credit for future events.
  • Online courses: For online courses, a 14-day satisfaction guarantee applies from the date of purchase, provided you have not completed more than 25% of the course content.
  • In-person workshops: Cancellations made at least 7 days in advance are eligible for a full refund. Cancellations between 2-7 days before the event may receive a 50% refund. Cancellations less than 48 hours before the event are not eligible for a refund but may transfer registration to another person.

3.4 Subscription Services

For subscription services, the following refund conditions apply:

  • Monthly subscriptions: We do not provide prorated refunds for partially used monthly subscription periods. You may cancel your subscription at any time, and you will maintain access until the end of your current billing period.
  • Annual subscriptions: For annual subscriptions, you may request a prorated refund for the unused portion of your subscription within the first 30 days. After 30 days, no refunds will be provided for cancellations.
  • Free trial conversion: If you purchased a subscription immediately following a free trial, you may request a refund within 7 days of the first charge, provided you include a reason for your dissatisfaction.

4. Refund Process

4.1 How to Request a Refund

To request a refund, please follow these steps:

  1. Contact our customer service team at [email protected] with the subject line "Refund Request"
  2. Include the following information in your email:
    • Your full name
    • Order number or invoice number
    • Date of purchase
    • Service or product purchased
    • Reason for the refund request
    • Any relevant supporting documentation
  3. Our team will review your request and respond within 3 business days

4.2 Processing Time

Once a refund is approved, the following processing times apply:

  • Credit card payments: Refunds to credit cards are typically processed within 5-10 business days, depending on your credit card issuer's policies.
  • Bank transfers: Refunds via bank transfer may take 7-14 business days to process.
  • Other payment methods: Processing times for other payment methods will be communicated to you upon refund approval.

4.3 Refund Method

Refunds will be issued using the same payment method used for the original purchase. If this is not possible, we will work with you to determine an alternative refund method.

5. Exceptions and Special Circumstances

5.1 Non-Refundable Items

The following items and services are generally non-refundable:

  • Custom or bespoke consulting services that have been fully delivered
  • Digital products that have been fully downloaded, accessed, or consumed
  • Services where specific resources have been allocated exclusively for your use
  • Group program spots that were held specifically for you, preventing others from enrolling
  • Any products or services clearly marked as "non-refundable" at the time of purchase

5.2 Force Majeure

In cases of events beyond our reasonable control (including but not limited to natural disasters, power outages, pandemic restrictions, or other emergencies), we may need to reschedule services rather than provide refunds. We will work with affected clients to find suitable alternatives.

5.3 Special Promotions and Discounts

Services or products purchased during special promotions, at discounted rates, or using coupon codes may have modified or limited refund policies. Any exceptions will be clearly stated at the time of purchase.

6. Dispute Resolution

If you are dissatisfied with the outcome of your refund request, you may escalate your concern by:

  1. Requesting a review by our management team at [email protected]
  2. Providing any additional information or documentation that may support your request

We are committed to resolving all disputes in a fair and transparent manner. If we cannot reach a mutually satisfactory resolution, the dispute will be governed by the terms in our general Terms and Conditions.

7. Changes to Refund Policy

We may update this Refund Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated policy will be effective immediately upon posting to our website, with the "Last Updated" date modified accordingly.

For purchases made prior to a policy update, the refund policy in effect at the time of purchase will apply.

8. Contact Information

If you have questions about this Refund Policy or need assistance with a refund request, please contact us at:

Swiss Business Hub
Locarnoplatz 5a
3183 Sitten
Switzerland

Email: [email protected]
Phone: +416137692142

Our customer service team is available Monday through Friday, 9:00 AM to 6:00 PM CET, excluding Swiss public holidays.