Refund and Cancellation Policy

1. Refund policy

These terms are in addition to your rights under the Australian Consumer Law, which we cannot exclude. If a product has a major problem, you are entitled to a remedy (including a refund) regardless of the time limits below. The following voluntary terms cover change-of-mind requests:

• All-Access subscriptions. If you are not satisfied, you may request a full refund within 14 days of your initial purchase or renewal. Refund requests after 14 days are assessed at our discretion.
• Single-certification one-time purchases. Within 14 days of purchase, we will refund a single-cert purchase if you have attempted no more than 20% of that certification's questions. Beyond 14 days, or once you have attempted more than 20% of the questions, refunds are assessed at our discretion. This change-of-mind policy is separate from your Australian Consumer Law rights, which always apply.
• Renewals. If you are charged for an automatic renewal and have not used the Service since the renewal date, contact us within 7 days and we will refund the renewal charge.

2. How to request a refund

Email support@examworthy.com with the subject line "Refund request". Include:

• The email address on your Examworthy account.
• The product you purchased and the purchase date.
• A brief reason for the request (optional but helpful).

We aim to respond within 2 business days (AWST). Approved refunds are processed back to your original payment method via Stripe and typically appear within 5-10 business days depending on your bank.

3. Cancelling a subscription

You can cancel your subscription at any time from your account settings. No notice period is required and there are no cancellation fees. When you cancel:

• Your subscription will not renew at the end of the current billing period.
• You retain full access to the Service until the end of the period you have paid for.
• We do not prorate or refund the unused portion of a billing period unless you are entitled to a refund under this policy or the ACL.

4. Australian Consumer Law

Our "non-refundable" terms above do not override your rights under the Australian Consumer Law (ACL). Where a product or service has a major failure - for example, it is substantially unfit for purpose or differs significantly from what was described - you are entitled to a remedy under the ACL regardless of any "non-refundable" wording in this policy. Nothing in this policy is intended to exclude, restrict, or modify consumer guarantees that cannot lawfully be excluded.

If you believe you have a claim under the ACL, contact us at support@examworthy.com.

5. Contact

For any refund or cancellation questions, contact support@examworthy.com. We are based in Perth, Western Australia (AWST, UTC+8).