Refund Policy

This Refund Policy explains the conditions under which Cowiqyu may issue refunds for purchases made through the platform at cowiqyu.pro. By completing a purchase, you acknowledge that you have read and agree to the terms described below.

Cowiqyu is committed to delivering high-quality online seminars and educational content. We evaluate refund requests on a case-by-case basis in accordance with the criteria outlined in this policy. Refunds are not automatically guaranteed and are subject to the conditions described herein.

You may be eligible to request a refund under the following circumstances:

• You submitted a refund request within 14 calendar days of the original purchase date.
• You have not accessed more than 20% of the seminar or course content associated with the purchase.
• The purchased seminar or session has not yet commenced at the time of the request.
• A technical failure on our platform prevented you from accessing content you paid for, and we were unable to resolve the issue within a reasonable timeframe.
• The delivered content materially differed from what was described at the time of purchase.

Refunds will not be issued in the following cases:

• The refund request is submitted more than 14 calendar days after the purchase date.
• You have accessed, downloaded, or consumed a substantial portion of the content.
• The request is based solely on a change of personal interest or schedule.
• The purchase involved a promotional offer, bundle discount, or free trial conversion, unless otherwise stated at the time of purchase.
• The seminar or session has already been fully delivered and attended.
• Repeated refund requests from the same account that suggest misuse of this policy.

To initiate a refund request, please contact our support team using the details below and include the following information:

• Full name and registered email address associated with your account
• Order or transaction reference number
• Name of the seminar or product purchased
• Date of purchase
• A clear description of the reason for your request

You may reach our support team at:

• [email protected]
• Phone: +48 602 243 861
• Address: Krakowska 60, 43-300 Bielsko-Biała, Poland

Once a refund request is received, we will review it and respond within 5 business days. If the request is approved, the refund will be processed as follows:

Actual processing times may vary depending on your financial institution or payment provider. Cowiqyu is not responsible for delays caused by third-party payment processors.

In certain situations, a partial refund may be offered at our discretion. This may apply when:

• A portion of the content was inaccessible due to a platform error, but other parts were successfully delivered.
• A multi-session seminar was partially completed before a valid issue arose.
• A negotiated resolution is more appropriate than a full refund given the circumstances.

The amount of any partial refund will be communicated to you prior to processing and will require your confirmation.

We encourage you to contact us directly before initiating a chargeback or payment dispute with your bank or card provider. Unauthorized chargebacks may result in the suspension or termination of your account. If a chargeback is filed while a refund request is under review by our team, we reserve the right to suspend the internal review process until the dispute is resolved through the payment provider.

If your access to Cowiqyu content is provided through a recurring subscription, you may cancel at any time. Cancellation will take effect at the end of the current billing period. You will retain access to paid content until that date. Refunds for unused portions of an active subscription period are not provided unless a technical failure on our part prevented access during that period.

Subscriptions renew automatically unless cancelled before the renewal date. We will not issue refunds for charges resulting from a failure to cancel prior to renewal, except where required by applicable law or where a clear billing error occurred.

Cowiqyu recognises that unforeseen personal circumstances may arise. In cases of serious illness, bereavement, or other documented exceptional situations, we may consider requests outside the standard eligibility criteria. Such requests will be reviewed individually and will require supporting documentation. Approval is at the sole discretion of Cowiqyu.

Cowiqyu reserves the right to update or modify this Refund Policy at any time. Changes will be published on this page with a revised date. Continued use of the platform following any update constitutes acceptance of the revised terms. For purchases made prior to a policy update, the version in effect at the time of purchase will apply.

If you have questions about this Refund Policy or wish to discuss a specific situation, please do not hesitate to get in touch with us:

• Email: [email protected]
• Phone: +48 602 243 861
• Postal address: Cowiqyu, Krakowska 60, 43-300 Bielsko-Biała, Poland
• Website: cowiqyu.pro

Our support team is available to assist you and aims to respond to all enquiries within 2 business days.