Refund & Cancellation Policy
Draft for review · مسودة للمراجعة — Not effective and not accepting payments. لم تدخل حيز التنفيذ ولا تستقبل مدفوعات.
Last updated: [EFFECTIVE DATE]
Proposal for review: this policy is a draft proposed for the owner's approval and is not yet in force.
FM Ascend sells digital access only, so nothing is returned physically. Our policy:
Full refund within 7 days
You can cancel within 7 days of the start of paid access for a full refund if you have used little of the content: fewer than [e.g. 50] questions answered and no more than [e.g. 2] lectures opened.
After 7 days, or after substantial use
The voluntary change-of-mind offer ends. This does not exclude remedies required by Saudi law for non-delivery, defects or other statutory grounds. Outside those grounds your paid access continues until its agreed end.
Always refunded
- Duplicate or mistaken charges.
- You paid but could not get access and we could not fix it within [e.g. 3 days].
- The service is unavailable for a long period through our fault (refund of the unused part).
How to request
Email [email protected] from the email you paid with, including the payment date and amount. Approved refunds go back to the original card through Moyasar, [REFUND INITIATION DEADLINE AFTER APPROVAL]. Bank posting time varies; we provide the refund reference once initiated.
Cancelling renewal
[If plans auto-renew: how to cancel. If not: 'Plans do not renew automatically; there is nothing to cancel.']
Unused access and interruption
If we discontinue purchased access before its end, the unused service is refundable. Proposed calculation: amount paid × undelivered days ÷ purchased days; [APPROVE INTERRUPTION THRESHOLDS / EXTENSION RULE]. A duplicate-payment refund returns the excess only, without cancelling the valid purchase.
Renewals bought early
[CONFIRM IF EARLY RENEWAL IS OFFERED AND WHETHER REFUND WINDOW STARTS AT RENEWED ACCESS START]
Legal rights
No usage threshold here overrides a mandatory consumer right. Closing an account or cancelling renewal does not itself cancel a completed payment; refund eligibility is assessed separately.
Merchant: FM Ascend · Kingdom of Saudi Arabia · [email protected]