Introduction
At Elite Investment Advisory, we are committed to providing high-quality financial advisory services and ensuring client satisfaction. We understand that circumstances may arise where a refund may be requested. This Refund Policy outlines the conditions under which refunds may be issued for our services.
By engaging our services, you acknowledge that you have read, understood, and agree to be bound by this Refund Policy.
Refund Policy for Advisory Services
Asset Management Services
For asset management services that involve an ongoing asset-based fee structure:
- Fees are typically charged quarterly in advance based on the value of assets under management at the beginning of each quarter.
- If you terminate our asset management services during a quarter, you will receive a prorated refund of any unearned fees for the remainder of the quarter, calculated from the effective date of termination.
- The refund will be processed within 30 business days of the termination notice and will be issued using the same payment method used for the original transaction, unless otherwise specified.
Financial Planning Services
For financial planning services that involve a fixed fee or hourly rate:
- Cancellation before service delivery: If you cancel before we have started substantial work on your financial plan, we will refund 90% of the fee paid, with 10% retained to cover administrative costs.
- Cancellation during service delivery: If you cancel after we have begun substantial work but before delivery of the complete financial plan, a partial refund may be issued at our discretion, based on the percentage of work completed.
- After service delivery: Once a financial plan has been delivered in full, no refund will be issued.
Refund Policy for Educational Products and Events
Digital Products
For downloadable digital products, courses, or educational materials:
- Due to the immediate access and downloadable nature of these products, all sales are final, and no refunds will be issued unless the product is defective or not as described.
- If you believe a digital product is defective or not as described, you must notify us within 7 days of purchase, providing details of the issue.
Seminars and Workshops
For in-person or virtual seminars, workshops, and events:
- Cancellation 14 or more days before the event: Full refund minus a 10% administrative fee.
- Cancellation 7-13 days before the event: 50% refund.
- Cancellation less than 7 days before the event: No refund, but you may transfer your registration to another person or apply your payment to a future event within 6 months.
- If we cancel an event, you will receive a full refund or the option to transfer to a future event.
Conditions for Refund
To be eligible for a refund, the following conditions must be met:
- The refund request must be submitted within the timeframes specified in this policy.
- For service-related refunds, a formal termination notice must be provided in writing.
- The reason for the refund request must be clearly stated.
- All relevant documentation, including receipts or confirmation emails, must be provided upon request.
Refund Process
How to Request a Refund
To request a refund, please follow these steps:
- Contact our client services team at [email protected] or call +449241309764.
- Provide your full name, contact information, and details of the service or product for which you are requesting a refund.
- Clearly state the reason for your refund request.
- Include any relevant documentation, such as receipts, invoices, or confirmation emails.
Refund Processing Time
Once your refund request has been approved:
- For credit card payments: Refunds will typically be processed within 5-10 business days, though it may take your credit card company an additional 2-10 business days to post the credit to your account.
- For bank transfers: Refunds will typically be processed within 10-15 business days.
- For other payment methods: Processing times will vary based on the payment method used.
Exceptions to the Refund Policy
The following circumstances are not eligible for refunds:
- Market losses resulting from investment decisions, market fluctuations, or economic conditions.
- Dissatisfaction with investment performance when our services have been provided as described and in accordance with the agreed-upon investment strategy.
- Services that have been fully delivered as described and agreed upon.
- Digital products that have been accessed, downloaded, or consumed, unless they are defective or not as described.
Special Circumstances
We understand that extraordinary circumstances may arise that are not covered by this policy. In such cases, refund requests will be evaluated on a case-by-case basis. Factors that may be considered include:
- Length of client relationship
- Nature of the circumstances (e.g., medical emergencies, natural disasters)
- Documentation of the special circumstances
- Previous refund history
Decisions regarding special circumstances are at the sole discretion of Elite Investment Advisory management.
Changes to This Policy
We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services following the posting of changes constitutes your acceptance of such changes.
Contact Us
If you have any questions about our Refund Policy, please contact us at:
