Refund Policy & Dispute Resolution

Last Updated: May 4, 2026

At Igbospeak, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you visit our website (www.igbospeak.com), use our Igbo language tutoring services, or interact with us. By accessing or using our platform, you agree to the terms of this policy.

If you do not agree with our practices, please do not use our services. We may update this policy periodically, and we will notify you of significant changes by posting the updated version on our website or emailing you (if we have your contact details). Your continued use of Igbospeak after changes constitutes acceptance of the updated policy.

1. Introduction & Policy Purpose

This Refund Policy and PayPal Dispute Resolution Policy (“Policy”) governs all payments, subscriptions, refunds, cancellations, and dispute handling for services provided by IgboSpeak (“we,” “our,” or “the Platform”).

This Policy is designed to:

Ensure transparency in billing and subscription practices
Clearly define refund eligibility and limitations
Reduce misunderstandings regarding digital product purchases
Provide a structured resolution process before disputes are escalated

By completing any purchase on IgboSpeak, you confirm that you have read, understood, and agreed to this Policy in full prior to payment authorization.

2. Nature of Services (Digital & Non-Reversible Delivery)

IgboSpeak provides intangible, digital, and irrevocable educational services, including but not limited to:

Subscription-based access to online language learning programs
Pre-recorded video lessons and structured course modules
Downloadable or streamable educational materials
Member-only learning resources and tools

All services are delivered electronically via user accounts and do not involve physical shipment.

You acknowledge that:

Access to digital content may be granted immediately after payment
Once access is granted, the service is considered fully or partially consumed

Digital services cannot be “returned” once accessed

3. General No-Refund Policy

All purchases made on IgboSpeak are final and non-refundable once access to the service has been granted.

This strict no-refund policy exists because:

Digital content can be consumed instantly
There is no mechanism to revoke knowledge or content access already delivered
It protects against abuse, duplication, and unauthorized redistribution

By purchasing, you expressly agree that you waive any right to a refund, except in the limited cases outlined below.

4. Limited Refund Eligibility (Exception Cases)

Refunds may be granted solely at our discretion under the following conditions:

4.1 Duplicate or Accidental Charges

If you were charged multiple times for the same subscription due to a system error.

4.2 Incorrect Billing Amount

If the amount charged differs materially from what was displayed at checkout due to a verifiable error.

4.3 Verified Platform Failure

If you are completely unable to access the service due to a confirmed technical issue on our system that:

Is not caused by your device, internet, or settings
Persists after reasonable troubleshooting

Cannot be resolved within a reasonable timeframe

4.4 Unauthorized Payment (Verified)

If a transaction is confirmed by PayPal as unauthorized following investigation.

5. Strict Non-refundable Conditions

Refunds will NOT be granted under any of the following circumstances:

You changed your mind after purchase
You forgot to cancel your subscription before renewal
You did not use or fully utilize the service
You are dissatisfied after accessing or previewing content
You lack the technical ability to use the platform
You failed to review the service details before purchase
You experienced external issues (e.g., poor internet connection)
You partially used your subscription period
You claim non-delivery despite successful account access
You opened a dispute without contacting support first).

6. Subscription Billing & Customer Authorization

IgboSpeak operates on a subscription-based billing system, which may include recurring payments depending on your selected plan.

By completing a purchase, you expressly acknowledge and agree that:

You authorize IgboSpeak and PayPal to charge your selected payment method
Your payment method may be securely stored by PayPal for future billing
Charges may occur automatically without additional manual approval
You are responsible for reviewing billing frequency before purchase
You understand and accept the terms of automatic renewal

This authorization includes the use of PayPal Reference Transactions or billing agreements, enabling seamless recurring payments.

7. Customer Responsibility For Subscription Management

You are solely responsible for:

Monitoring your subscription status
Understanding your billing cycle and renewal dates
Cancelling your subscription before the next billing date if you do not wish to continue

Failure to cancel before renewal constitutes your consent to be charged for the next billing cycle.

8. Cancellation Policy

You may cancel your subscription at any time by contacting:

support@igbospeak.com

Important conditions:

Cancellation applies only to future billing cycles
You will retain access until the current paid period expires
No refunds will be issued for unused time

Requests made after billing has occurred will not reverse the charge

9. Refund Request Procedure

To request a refund (if eligible), you must:

Contact our support team via email at support@igbospeak.com first
Provide:

Full name and account email
Transaction ID
Detailed explanation of the issue

3. Allow reasonable time (typically 2–5 business days) for investigation

Failure to follow this process may result in denial of your claim.

10. Dispute Resolution Policy

We are committed to resolving issues quickly and fairly. However, we require customers to contact us firsthand via email support@igbospeak.com.

In the event of a dispute, we may provide our payment gateway with comprehensive evidence, including:

Proof of successful payment authorization
Timestamped access logs
IP address and device usage records
Course access history
Agreement to Terms & Refund Policy at checkout
Records of customer communication

You acknowledge that:

Digital service access constitutes valid delivery
Evidence of login or usage may be used to contest disputes
Filing false or unjustified disputes may result in account restrictions

11. Chargeback & Dispute Abuse Policy

We actively monitor and respond to chargebacks.

If a dispute or chargeback is determined to be:

Fraudulent
Misleading
Filed without valid justification

We reserve the right to:

Permanently suspend your account
Revoke access to all services
Block future transactions

Provide full evidence to PayPal to contest the claim

We take dispute abuse seriously and protect our business accordingly.

12. Service Delivery Confirmation

By completing your purchase, you acknowledge that:

The service is delivered electronically
Access is granted to your account upon successful payment
Delivery is considered complete once access is provided

This serves as proof of delivery in any dispute or claim.

13. Acknowledgement & Consent

By purchasing from IgboSpeak, you explicitly confirm that:

You understand that the service is digital and non-refundable
You accept the subscription and billing terms
You agree to this Refund Policy prior to payment
You consent to automatic billing where applicable

14. Policy Updates

We reserve the right to update or modify this Policy at any time.

Changes become effective immediately upon publication. Continued use of our services constitutes acceptance of any updates.

12. Contact Us

For all refund requests, billing inquiries, or dispute resolution:

Email: support@igbospeak.com
Website: www.igbospeak.com

We aim to respond promptly and fairly..

Thank you for choosing Igbospeak for your Igbo language learning journey. We value your privacy and are here to support you.