Refund & Cancellation Policy

1. Cancelling your monthly subscription

You can cancel your monthly subscription at any time. Cancellation stops all future renewals. [TO BE CONFIRMED: whether cancellation takes effect at the end of the current paid month or immediately, and how to cancel (account settings and/or email)].

Amounts already paid for the current month are not refunded on cancellation, unless a mandatory legal right or Section 5 or 7 applies. [TO BE CONFIRMED]

2. Credit purchases and unused credits

Credits are purchased separately from the subscription. Refunds of unused credits: [TO BE CONFIRMED — whether unused credits can be refunded, within which period and how]. Credit expiry: [TO BE CONFIRMED — no expiry rule has been decided].

3. Credits already consumed

Credits already used through AI Coach usage are generally non-refundable, subject to your mandatory legal rights and Section 5.

4. Use of paid features

Where you actually use paid coaching features, this use may be taken into account when assessing a refund, as far as the law allows. Logging in to the dashboard or browsing it alone does not remove any statutory refund or withdrawal right.

5. Payment errors and technical problems

Duplicate payments and unauthorized transactions will be refunded after verification. Missing credits will be credited or refunded after verification. If a technical failure on our side prevents you from using paid services or consumes credits without delivering the service, we will restore the credits or refund the amount.

Please report such issues to admin@theapexelite.com with your account email, the date and the amount. [TO BE CONFIRMED: reporting period and processing time]

6. Affiliate commissions

Earning, being credited or being paid an affiliate commission does not by itself prevent you from requesting a refund of your own purchase.

To prevent improper double benefits, commissions that relate directly to a transaction that is refunded, cancelled or charged back may be reversed or offset — only as set out in the published affiliate terms and applicable law. [TO BE CONFIRMED: link to the affiliate terms and the exact reversal rules]

7. Statutory withdrawal and consumer rights

If you are a consumer, you may have a legal right to withdraw from a purchase of digital services within a set period (for example in the UK and EU, usually 14 days), and other mandatory rights depending on where you live, including India. These rights apply in addition to this policy.

[TO BE CONFIRMED BY LEGAL REVIEW: withdrawal information and model withdrawal form for UK/EU, consent wording if you ask for immediate start of the service, and applicable rules for India and other markets]

8. How refunds are paid

Approved refunds are paid back to the original payment method. [TO BE CONFIRMED: payment provider and processing time]

9. Contact

APEX Elite Global Ltd., 71–75 Shelton Street, Covent Garden, London WC2H 9JQ, United Kingdom. Email: admin@theapexelite.com.