Refund and Returns Policy

Effective Date: October 12, 2025
Last Updated: October 12, 2025

1. Introduction

At iSpeak-Up, we are committed to providing high-quality educational services and ensuring customer satisfaction. This Refund and Return Policy outlines the terms and conditions under which you may request a refund for our subscription plans and educational services.

By purchasing any of our services, you acknowledge that you have read, understood, and agreed to this policy.

2. Our Service Plans

iSpeak-Up offers the following subscription plans:

2.1 Basic Plan

Access to foundational courses
Limited course library
Standard support
[Monthly/Annual billing]

2.2 Pro Plan

Access to advanced courses
Extended course library
Priority support
Interactive learning tools
[Monthly/Annual billing]

2.3 Ultimate Plan

Unlimited access to all courses
Premium content and exclusive materials
24/7 priority support
One-on-one coaching sessions
Certificates of completion
Early access to new courses
[Monthly/Annual billing]

3. Refund Eligibility

3.1 Standard Refund Period

14-Day Money-Back Guarantee

You are eligible for a full refund if:

✅ You request a refund within 14 days of your initial purchase
✅ You have completed less than 30% of any enrolled course
✅ You have not downloaded any course materials or certificates
✅ This is your first refund request with iSpeak-Up
✅ You have not violated our Terms and Conditions

3.2 Subscription Plans Refund Policy

Monthly Subscriptions:

Refunds available within 14 days of the first payment
After 14 days, you can cancel but no refund for the current month
Cancellation takes effect at the end of the current billing cycle
No partial month refunds

Annual Subscriptions:

Refunds available within 14 days of purchase
After 14 days, refunds are prorated based on unused months
Minimum 50% of the subscription period must remain unused
Processing fee of 10% may apply for annual plan refunds after 14 days

3.3 Plan Upgrades and Downgrades

Upgrades (Basic → Pro → Ultimate):

Price difference is charged immediately
Full access to new plan features starts immediately
No refunds for upgraded plans within the first 14 days of upgrade

Downgrades (Ultimate → Pro → Basic):

Take effect at the next billing cycle
No refunds for the current billing period
You retain access to current plan until downgrade is effective

4. Non-Refundable Items

The following are NOT eligible for refunds:

❌ Free Trial Conversions

No refunds after free trial period ends (cancellation only)

❌ Course Completion

Courses where you have completed more than 30% of content
Courses where you have received a certificate of completion

❌ Downloaded Materials

Any courses where downloadable resources have been accessed
PDF workbooks, templates, or bonus materials that have been downloaded

❌ One-Time Purchases

Individual course purchases (separate refund policy applies)
Certification exams
Add-on services

❌ Promotional and Discounted Plans

Services purchased at discounted rates
Limited-time promotional offers
Bundle packages with special pricing

❌ Renewed Subscriptions

Automatic subscription renewals after the first billing cycle
Second and subsequent billing periods

❌ Partial Usage

Partial month or period refunds for subscriptions
Time-based refunds for unused days

❌ Violations

Accounts terminated for Terms of Service violations
Abuse of refund policy
Fraudulent purchases

5. How to Request a Refund

Step 1: Contact Our Support Team

Submit a refund request by:

Email: info@ispeakup.com
Subject Line: Refund Request – [Your Order Number]
Support Portal: [Your Support Portal Link]

Step 2: Provide Required Information

Include the following in your refund request:

Full name and email address associated with your account
Order number or transaction ID
Date of purchase
Subscription plan (Basic, Pro, or Ultimate)
Reason for refund request (optional but helpful)
Account username

Step 3: Refund Review Process

Our team will review your request within 2-3 business days. We will:

Verify your purchase and account status
Confirm eligibility based on this policy
Check course completion percentage
Review any previous refund requests

Step 4: Refund Decision

You will receive an email with:

✅ Approval: Refund confirmation and processing timeline
❌ Denial: Explanation of why refund was denied
🔄 Alternative: Possible alternatives (plan change, extension, etc.)

6. Refund Processing

6.1 Processing Time

Once approved, refunds are processed as follows:

Credit/Debit Card: 5-10 business days
PayPal: 3-5 business days
Bank Transfer: 7-14 business days
Other Payment Methods: Up to 14 business days

Note: Processing time depends on your financial institution and may vary.

6.2 Refund Method

Refunds are issued to the original payment method used for purchase:

Credit card refunds → Original credit card
PayPal payments → PayPal account
Bank transfers → Original bank account

We cannot issue refunds to a different payment method or account.

6.3 Currency and Exchange Rates

Refunds are issued in the original currency of purchase
Currency exchange fluctuations are not our responsibility
Exchange rate differences may apply for international transactions

7. Cancellation Policy

7.1 How to Cancel Your Subscription

You can cancel your subscription at any time:

Method 1: Account Dashboard

Log into your iSpeak-Up account
Go to Settings → Subscriptions
Click “Cancel Subscription”
Follow the prompts to confirm

Method 2: Email Request

Send cancellation request to: info@ispeakup.com
Include your account email and order number

Method 3: Contact Support

Live chat on our website
Email: info@ispeakup.com
Phone: [Your Phone Number]

7.2 What Happens After Cancellation

Your access continues until the end of the current billing period
No further charges will be made
You can still access course materials until expiration
Your account data is retained for 60 days
You can reactivate before the end of the billing period

7.3 Immediate Cancellation

If you want to cancel immediately without waiting for the billing cycle to end:

Contact support for a prorated refund request (subject to refund eligibility)
Your access will be terminated immediately upon approval
Refunds follow the standard refund policy outlined above

8. Special Circumstances

8.1 Technical Issues

If you experience technical problems that prevent you from accessing our services:

Contact support immediately: info@ispeakup.com
We will work to resolve the issue within 48 hours
If unresolved, you may be eligible for:
- Service extension
- Account credit
- Full or partial refund (based on severity and duration)

8.2 Medical or Personal Emergencies

We understand that life circumstances can change. In cases of:

Serious illness or hospitalization
Family emergencies
Natural disasters
Other extenuating circumstances

Please contact us at info@ispeakup.com with:

Brief explanation of circumstances
Supporting documentation (if available)
Request for accommodation

We will review on a case-by-case basis and may offer:

Extended subscription pause (up to 3 months)
Account credit for future use
Special consideration for refund outside normal policy

8.3 Military Deployment

Active military personnel facing deployment may be eligible for:

Full refund regardless of usage
Account freeze until return
Special reactivation pricing

8.4 Duplicate Charges

If you were charged twice or multiple times in error:

Contact us immediately: info@ispeak-up.com
We will investigate and refund duplicate charges within 24-48 hours
No eligibility restrictions apply to billing errors

9. Refund Abuse Policy

9.1 What Constitutes Abuse

We reserve the right to deny refunds or close accounts for:

Multiple refund requests (more than 2 in a 12-month period)
Downloading substantial course materials before requesting refund
Completing courses then requesting refunds
Using false information in refund requests
Sharing account credentials
Violating Terms of Service

9.2 Consequences

Abuse of our refund policy may result in:

Refund request denial
Account suspension or termination
Ban from future purchases
Legal action for fraud (in severe cases)

10. Plan Comparison and Changes

10.1 Trial Periods

All plans include a 7-day free trial (where applicable):

Full access to plan features during trial
Cancel anytime during trial for no charge
Automatic billing starts after trial ends
No refunds for charges after trial period (standard policy applies)

10.2 Switching Plans

During Billing Period:

Upgrades: Charged immediately for price difference
Downgrades: Take effect next billing cycle

Refund Implications:

Plan changes may affect refund eligibility
14-day refund window starts from original purchase, not plan change

11. Exceptions and Modifications

11.1 Right to Modify

We reserve the right to:

Modify this refund policy at any time
Make exceptions on a case-by-case basis
Offer alternative solutions (credits, extensions, plan changes)

11.2 Promotional Periods

During special promotions, different refund terms may apply:

Promotional terms will be clearly stated at purchase
Promotional refund policies supersede standard policy
Limited-time offers may have stricter refund conditions

12. Dispute Resolution

12.1 Refund Disputes

If your refund request is denied and you disagree:

Reply to the denial email with additional information
Request escalation to a supervisor
Provide any supporting documentation

We will conduct a secondary review within 5 business days.

12.2 Chargeback Policy

Please contact us before initiating a chargeback.

Chargebacks without prior contact may result in:

Immediate account suspension
Loss of access to all content
Additional fees to recover chargeback costs
Ban from future purchases

We prefer to resolve disputes directly and fairly.

13. Contact Information

For refund requests, questions, or concerns:

iSpeak-Up Refunds Department

📧 Email: info@ispeakup.com
📧 General Support: info@ispeakup.com
📧 Billing Issues: info@ispeakup.com
📧 Special Circumstances: info@ispeakup.com

📞 Phone: [+306985883764]
⏰ Hours: Monday – Friday, 9 AM – 6 PM [Your Timezone]

📍 Address:
iSpeak-Up
Spirou Lekka 5, Marousi, 15124
Greece

Quick FAQ

Q: Can I get a refund after 14 days?
A: For annual plans, prorated refunds may be available if 50%+ of the term remains unused. Monthly plans are non-refundable after 14 days.

Q: What if I only used the service for 2 days?
A: If within 14 days and <30% course completion, you’re eligible for a full refund.

Q: Can I pause my subscription instead of canceling?
A: Yes, contact support to discuss subscription pause options (up to 3 months in special circumstances).

Q: Do I lose access immediately after cancellation?
A: No, you retain access until the end of your current billing period.

Q: What if I’m not satisfied with the course quality?
A: Contact us within 14 days for a full refund if you meet eligibility criteria.

Q: Can I get a refund if I forgot to cancel before renewal?
A: Contact us immediately. We may offer a refund as a one-time courtesy within 48 hours of renewal.

By purchasing any iSpeak-Up subscription plan, you acknowledge and agree to the terms of this Refund and Return Policy.

Last Updated: October 12, 2025

We value your trust in iSpeak-Up and strive to ensure your satisfaction with our educational services. If you have any questions about this policy, please don’t hesitate to contact our support team.