1. Introduction
At Trionvommy, we are committed to ensuring your satisfaction with our financial education products and services. This Refund Policy outlines our procedures and guidelines regarding refunds for purchases made on our website trionvommy.com.
By making a purchase on our website, you agree to the terms of this Refund Policy.
2. Our Satisfaction Guarantee
We stand behind the quality of our financial education resources and offer a 30-day satisfaction guarantee for most of our products. If you are not satisfied with your purchase, you may be eligible for a refund subject to the terms and conditions outlined in this policy.
3. Digital Products
3.1 Eligibility for Refund
For digital products (e-books, downloadable workbooks, online courses, etc.), we offer a 30-day money-back guarantee from the date of purchase if:
- You have not downloaded more than 30% of the digital content;
- For online courses, you have not completed more than 25% of the course material;
- The request is made within 30 days of the purchase date;
- You provide a valid reason for your dissatisfaction with the product.
3.2 Non-Refundable Digital Products
The following digital products are non-refundable:
- Digital products that have been downloaded in their entirety;
- Digital products where access credentials have been shared with others;
- Custom or personalized financial education materials;
- Products marked explicitly as "non-refundable" at the time of purchase.
3.3 Access Termination
Upon processing a refund for a digital product, your access to the product will be terminated immediately. You agree to delete any downloaded copies of the refunded material from all your devices.
4. Physical Products
4.1 Eligibility for Refund
For physical products (printed books, workbooks, etc.), we offer a 30-day money-back guarantee from the date of delivery if:
- The product is returned in its original condition, unused, and with all original packaging;
- The request is made within 30 days of receiving the product;
- You provide a valid reason for your dissatisfaction with the product.
4.2 Return Shipping
For returns of physical products:
- The customer is responsible for return shipping costs unless the return is due to our error (damaged or incorrect items);
- We recommend using a trackable shipping method, as we cannot process refunds for items not received;
- The original shipping charges are non-refundable unless the return is due to our error.
4.3 Damaged or Defective Products
If you receive a damaged or defective product:
- Contact us within 7 days of receiving the product;
- Provide clear photographs showing the damage or defect;
- We will provide a prepaid shipping label for returns due to damage or defects;
- You may choose between a full refund or replacement of the damaged or defective item.
5. Subscription-Based Services
5.1 Cancellation
For subscription-based services:
- You may cancel your subscription at any time through your account settings or by contacting our customer support;
- Cancellation will be effective at the end of your current billing cycle;
- You will continue to have access to the service until the end of your paid billing period.
5.2 Refunds for Subscriptions
Our refund policy for subscription services is as follows:
- Monthly subscriptions: If you cancel within the first 14 days of your first billing cycle, you may request a full refund;
- Annual subscriptions: If you cancel within the first 30 days of your annual subscription, you may request a prorated refund for the unused portion;
- No refunds will be issued for partial months or for subscriptions canceled after the refund period.
6. Refund Process
6.1 How to Request a Refund
To request a refund, please:
- Contact our customer support team at [email protected] or call +233 25 908 7732;
- Provide your order number, date of purchase, and the reason for your refund request;
- For physical products, await instructions on how to return the item;
- Complete any necessary forms provided by our customer support team.
6.2 Refund Processing Time
Once your refund request is approved:
- Digital product refunds will be processed within 5-7 business days;
- Physical product refunds will be processed within 10-14 business days after we receive the returned item;
- The time it takes for the refund to appear in your account depends on your payment method and financial institution (typically 3-10 business days).
6.3 Refund Method
Refunds will be issued using the same payment method used for the original purchase:
- Credit/debit card payments will be refunded to the same card;
- Mobile money payments will be refunded to the same mobile money account;
- If the original payment method is unavailable, we will work with you to determine an alternative refund method.
7. Exceptions and Special Circumstances
7.1 Promotional Items and Discounts
For items purchased with promotional discounts or as part of a bundle:
- Items marked as "final sale" or purchased during special promotions may not be eligible for refunds;
- For bundle purchases, partial refunds will be calculated based on the retail price of the returned item less the proportional bundle discount;
- Free bonus items must be returned along with the main product to qualify for a refund.
7.2 Technical Issues
If you experience technical issues with accessing or using our digital products:
- Contact our technical support team at [email protected] before requesting a refund;
- We will make reasonable efforts to resolve any technical issues you encounter;
- Refunds for technical issues will be evaluated on a case-by-case basis if the issues cannot be resolved within a reasonable timeframe.
7.3 Force Majeure
In cases of events beyond our reasonable control (natural disasters, system failures, etc.) that affect product delivery or access, we will work with affected customers to provide appropriate solutions, which may include extended access periods, alternative product options, or refunds as determined on a case-by-case basis.
8. Right to Refuse Refunds
We reserve the right to refuse refunds in the following cases:
- Requests made outside the specified refund timeframes;
- Products that have been extensively used, damaged after delivery, or not returned in their original condition;
- Digital products that have been fully downloaded, copied, or shared;
- Evidence of fraudulent refund requests or abuse of our refund policy;
- Products explicitly marked as non-refundable at the time of purchase.
9. Exchanges
We offer exchanges for physical products under the following conditions:
- The request is made within 30 days of receiving the product;
- The product is returned in its original condition, unused, and with all original packaging;
- The exchanged product is of equal or lesser value than the original purchase (if greater value, you will need to pay the difference);
- The customer is responsible for return shipping costs for exchanges unless the exchange is due to our error.
10. Consumer Protection Rights
This Refund Policy does not affect your statutory rights as a consumer under applicable Ghanaian consumer protection laws. If there is a conflict between this policy and your statutory rights, your statutory rights will prevail.
11. Changes to This Policy
We reserve the right to modify this Refund Policy at any time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website and services after such modifications constitutes your acceptance of the updated Refund Policy.
12. Contact Us
If you have any questions about this Refund Policy or would like to request a refund, please contact us at:
We are committed to resolving customer concerns fairly and promptly.
