Refund & Cancellation Policy

1. Immediate Digital Delivery & Automated Fulfillment

All CAISG educational offerings—including the 10-module masterclass, 142 interactive slides, 14 downloadable governance toolkits (Word, Excel, Markdown, and PDF formats), 9 interactive analytical calculators, and examination access—are digital intellectual goods delivered electronically and immediately upon confirmed payment authorization via Stripe in United States Dollars ($ USD).

Account credentials, LMS access tokens, and downloadable assets are generated and made available immediately upon checkout completion.

2. Strict No-Refund Policy for Digital Intellectual Property

Statutory Right of Withdrawal Waiver: By purchasing and accessing our digital offerings, customers located in the European Union, United Kingdom, and applicable jurisdictions expressly request immediate digital fulfillment and explicitly waive their statutory 14-day right of withdrawal under Directive 2011/83/EU (Article 16(m)) and the UK Consumer Contracts Regulations once digital access has been granted.

3. Enterprise Licensing & Master Services Agreements

Multi-seat enterprise cohort enrollments, custom B2B upskilling agreements, and invoice-based payments (Net 30/60) are governed exclusively by the terms set forth in their executed Master Services Agreement (MSA) or Statement of Work (SOW).

Once seat allocations are provisioned and organization administrator dashboards are activated, all enterprise licenses are strictly non-refundable.

4. Mandatory Pre-Dispute Merchant Support Protocol

You agree to contact CAISG customer support at support@caisg.org with your transaction details prior to initiating any dispute or chargeback with your credit card issuer or banking institution.

Our dedicated billing desk commits to investigating and resolving legitimate transaction questions or billing discrepancies within twenty-four to forty-eight (24-48) business hours.

5. Fraudulent & Unsubstantiated Chargeback Liabilities

Filing an unsubstantiated or fraudulent chargeback (including claims of 'product not received' after accessing digital materials or completing quizzes) constitutes a material breach of contract.

6. Technical Error & Duplicate Billing Remediation

In the rare event of a technical processing error resulting in verified duplicate charges for a single enrollment, CAISG will issue an immediate refund for the duplicate transaction upon verification.

Requests for duplicate billing remediation must be submitted to support@caisg.org within seventy-two (72) hours of the transaction timestamp with corresponding Stripe transaction receipts.

7. Subscription & Recurring Billing Cancellation Terms

For any optional recurring enterprise maintenance or subscription-based offerings, customers may cancel future recurring renewals at any time via the self-service Stripe billing portal in their account settings.

Cancellations take effect at the conclusion of the current paid billing cycle. No prorated refunds will be issued for unused portions of an active billing period.

8. Billing Support Desk & Formal Notices

All billing inquiries, invoice requests, or payment assistance must be submitted in writing to our support desk at support@caisg.org.