Refund Policy

1. Scope

This Refund Policy governs refund eligibility for all Products offered under the "Get Green Card On Your Own" brand by Immigreat AI LLC through Greencaard.com and our course player at courses.greencaard.com.

All other terms relating to platform usage, privacy, cookies, and intellectual property are addressed in separate policy documents available on this site. In the event of any conflict between this Refund Policy and our Terms and Conditions, this Refund Policy shall prevail on matters of refund eligibility, refund amounts, and refund procedure.

Nothing in this Refund Policy limits or excludes any right you may have under the consumer protection law of your country of residence that cannot be waived by agreement.

3. Refund Terms

The same terms apply to every Course and Bundle we sell, whatever its price, length, or access period. Toolkits are not refundable once purchased; Section 3.4 explains why.

3.1 How we measure 20%

Every course page states the total video duration of that course. Your refund eligibility depends on how much of that video content you have watched.

You remain eligible for as long as you have watched less than a fifth of the course. For example: in a course containing 100 minutes of video, you remain eligible until you have watched 20 minutes.

It makes no difference which lessons you watch, or in what order. Content you watch more than once is counted only once, and the speed at which you watch makes no difference to the figure.

Your viewing percentage is displayed in the video player while you watch, and again in "My Enrollments" alongside your progress through the course. We record video playback for each account and use that record to determine refund eligibility; the figure we rely on is the same one shown to you.

Keeping track of that figure is left to you. It is on screen while you watch, but we do not pause playback, display a warning, or notify you when you reach or pass 20%. Passing it does not restrict your access to the course in any way — the only consequence is that the purchase is no longer refundable.

3.2 Access periods and repeat purchases

Each course is sold with a specified access period, chosen at the time of purchase. The refund window and the 20% progress limit attach to the purchase itself and do not vary with the length of the access period you selected.

Where you make more than one purchase, each carries its own refund window and its own progress limit. The limit on how many times a given course may be refunded, however, applies across all of your purchases of that course. Repurchasing a course you have previously refunded does not restore the limit.

3.3 Bundles

A bundle is refunded as a single purchase. Individual courses within a bundle cannot be refunded separately, and the progress limit is assessed against the bundle as a whole.

3.4 Toolkits (template packs)

A Toolkit is a pack of downloadable templates and documents. Its files are available for you to download as soon as your purchase completes, so the terms in Sections 2 and 3 do not apply to it:

• A paid Toolkit is not refundable once purchased. There is no refund option for a Toolkit in your account.
• Your access continues for the full access period you bought, and the copies you download during it remain licensed to you under our Terms and Conditions.
• A Toolkit obtained at no cost involves no payment, so there is nothing to refund (Section 11).

This does not affect a duplicate purchase of the same Toolkit, which we refund in full under Section 12.1; an extension of your access under Section 7.1 where a verified fault on our platform stops you reaching the files; or any right you have under the consumer protection law of your country of residence (Section 1).

4. Refund Eligibility

4.1 You are eligible for a refund if:

• Your request is submitted within 30 calendar days of the original purchase date; and
• You have watched less than 20% of the total video duration of the course or bundle being refunded; and
• You have not already refunded that same course twice.

4.2 You are not eligible for a refund if:

• You have watched 20% or more of the course's total video duration;
• Your request is made more than 30 calendar days after the date of purchase;
• You have already refunded that same course twice;
• A refund for that course is already in progress, or has already been completed, on the order in question;
• The course was obtained at no cost — for example a course we offer free of charge, a complimentary access grant, a promotional giveaway, or a contest prize;
• The Product is a Toolkit (Section 3.4);
• A discount or coupon brought the price you paid to zero, so there is no payment to return;
• The course was purchased under a promotion whose terms expressly stated that the purchase was non-refundable, and this was disclosed to you before you completed the purchase;
• Your access period has already expired; or
• Your account has been suspended or terminated for a violation of our Terms and Conditions.

4.3 Exceptional circumstances

We may issue a refund outside the terms set out above in two situations only:

• Your own serious illness, where it prevents you from continuing the course; or
• The death or serious illness of a member of your immediate family, meaning your spouse or partner, child, parent, or sibling.

No other circumstance qualifies under this section. Refunds under this section are arranged by our support team rather than through the refund button in your account. To request one, contact us at support@greencaard.com. We may ask you for reasonable supporting documentation, and we will treat anything you send us confidentially.

A refund made under this section is a goodwill gesture. It is decided case by case, does not set a precedent, and does not create an entitlement in respect of any other request.

5. How to Request a Refund

1. Log in to your account and go to "My Enrollments."
2. Select the course or bundle you wish to refund and choose "Request Refund."
3. Before you submit, you will see whether you are eligible and the exact amount you will receive after the processing fee.
4. Add a brief reason if you wish — this is optional — and confirm.

If you are eligible, your refund is submitted straight away — there is no waiting period and no manual review — and your access to the course ends at that point. You will receive an email confirming the request, and a second email once your payment provider confirms the refund has completed. In the rare event that the refund does not go through, we will email you and you can retry it from your enrollments page.

Funds typically appear on your original payment method within 5–10 business days; that timing is set by your bank or card issuer, not by us.

5.1 If you are shown as not eligible

If you believe the eligibility decision is wrong — for example, because the viewing figure recorded against your account does not look right — contact us at support@greencaard.com. We will review the underlying playback record and respond within 5 business days.

If you have any difficulty with the refund process itself, please contact us before taking any other action, including filing a payment dispute.

6. The Processing Fee

A processing fee of 4% of the price paid is deducted from refunds. The fee is always proportional to the amount refunded; there is no fixed maximum.

This fee covers the payment-processing and currency-conversion charges applied to your original transaction by our payment processor, together with our own handling costs. When a payment is refunded, the original processing charges are retained by the payment processor, the acquiring bank, and the card networks, and are not returned to us.

The fee is shown to you before you confirm a refund request, and stated in this policy. If we change it, we will publish an updated version of this policy first, and the version in effect on the date of your purchase governs that purchase.

6.1 When the fee does not apply

We do not deduct the processing fee where:

• The refund arises from a verified technical failure of our platform (Section 7);
• We have withdrawn or materially changed the course you purchased (Section 8);
• You are exercising a statutory right of withdrawal or cancellation under the consumer law of your country of residence, and that law requires a refund of the full amount paid;
• You are refunding a duplicate purchase (Section 12.1).

Refunds under this section are arranged by our support team rather than through the refund button in your account. Contact support@greencaard.com and we will process them for you.

7. Technical Issues and Platform Access

Our courses are delivered on our own platform. If you are unable to access content you have purchased because of a technical fault on our side, please contact us at support@greencaard.com and we will work to resolve it promptly.

7.1 Extension of access

Where a verified fault on our platform prevents you from accessing course content for a significant period, we will extend your access period at no cost to make good the time lost, on request. If you have been affected, contact support@greencaard.com and we will arrange it.

7.2 Prolonged disruption

Where a verified fault on our platform prevents you from accessing course content for seven or more consecutive days, or for fourteen or more days in aggregate within any period of thirty days, you may instead choose one of the following:

• A pro-rata refund for the unused portion of your remaining access period, with no processing fee deducted; or
• A full refund of the price paid, with no processing fee deducted, where the disruption began within 30 calendar days of your purchase and you had at that time watched less than 20% of the course's total video duration.

Where you choose either refund, your access to the course ends on the date the refund is issued. Refunds under this section are arranged by our support team.

7.3 What this section does not cover

This section applies to faults attributable to our platform. It does not apply to:

• Problems arising from your own device, internet connection, browser, or local network restrictions;
• Scheduled maintenance, where we have given you reasonable notice in advance;
• Interruption caused by events outside our reasonable control, including failure of internet infrastructure, hosting or network providers, or action by a government or regulatory authority — although we will still extend your access period under Section 7.1 in those circumstances, on request.

The remedies set out in this section are your sole and exclusive remedies for any interruption of access to course content.

8. If We Withdraw or Change a Course

We update course content from time to time to reflect developments in immigration law, policy, and practice. Routine updates are a normal part of the service and do not give rise to a refund.

If, during your access period, we withdraw a course entirely or change it so substantially that it no longer covers the subject matter described when you purchased it, we will contact you and offer you the choice of:

• Continued access to the replacement or updated course at no additional cost;
• Access to a comparable course of equivalent value; or
• A pro-rata refund for the unused portion of your access period, with no processing fee deducted.

Refunds under this section are arranged by our support team.

9. Refund Abuse

Our refund terms are built on good faith, and the overwhelming majority of requests are made in good faith. A small number are not.

The following are treated as refund abuse. They will result in a refund request being declined, and may result in suspension of your account:

• Creating multiple accounts in order to obtain repeated refunds for the same or similar courses;
• Sharing, reselling, or redistributing account access or course content during or after a refund request;
• Submitting a refund claim that is knowingly false or misleading;
• Purchasing and refunding courses in a repeated pattern that indicates an intention to consume content without paying for it.

Where we decline a request on these grounds we will tell you why, and you may ask for a review under Section 5.1.

10. Payment Disputes and Chargebacks

10.1 Please talk to us first

If something has gone wrong with a purchase, contact us at support@greencaard.com. Most concerns are resolved quickly, and our refund process — including the review step in Section 5.1 — is usually the fastest route to a resolution.

10.2 If we cannot resolve it

If you have contacted us and we have not been able to resolve your concern, you remain free to pursue any route available to you, including a dispute with your card issuer or payment provider, and any right you have under the consumer law of your country of residence. We ask only that you give us the opportunity to put things right first.

10.3 Disputes filed without contacting us

Where a chargeback is filed without any prior contact with us, we may respond by providing the payment processor with your purchase record, access log, and completion data, and we may suspend access to the disputed course pending the outcome. We will contact you at the same time, so that you have the opportunity to resolve the matter with us directly.

Where we identify a repeated pattern of disputes we consider to be made in bad faith, we may decline to accept further purchases from you.

11. Promotional, Discounted, and Complimentary Access

Courses obtained at no cost are not eligible for a monetary refund, because no payment was made. This includes courses we offer free of charge, complimentary access grants, promotional giveaways, and contest prizes. If you received a course at no cost and are not satisfied with it, we would still like to hear from you — please contact support@greencaard.com.

A course purchased at a discount is refundable on the ordinary terms of this policy, calculated on the amount you actually paid. Where a discount or coupon brought the price to zero, there is no payment to return, so no refund is available — your access continues normally until it expires. Courses we offer free of charge are likewise not refundable, for the same reason.

The only further exception is a promotion whose terms expressly stated that the purchase was non-refundable, where that was disclosed to you before you completed the purchase.

12. Other Refund Situations

12.1 Duplicate purchases

If you accidentally purchase the same course or Toolkit twice, contact us. We will refund the duplicate in full, with no processing fee, regardless of the 30-day window or the progress limit.

12.2 Purchases paid for by someone else

Where a course was paid for by an employer, an institution, or another third party, any refund is issued to the original payment method — and therefore to the payer, not to the account holder.

12.3 Currency and exchange rates

Refunds are issued in US Dollars to your original payment method. If your card is denominated in another currency, the amount you receive may differ from the amount originally debited, because of exchange-rate movement and any conversion fee applied by your card issuer. We are not able to compensate for that difference.

12.4 Closed or expired payment methods

If your original payment method is no longer valid, contact support@greencaard.com and we will arrange an alternative means of repayment.

12.5 Taxes

Prices shown on our site are the final amount you pay. Where sales tax, VAT, or an equivalent tax applies to your location, it is already included in that price rather than added at checkout, and your receipt shows how much of the total was tax.

When a refund is issued, the tax contained in the amount refunded is returned with it. Because tax is included in the displayed price, the processing fee in Section 6 is calculated on the price you paid.

13. Changes to This Policy

We may modify this Refund Policy. Changes will be posted on our website with an updated "Last Updated" date and version number.

The version of this policy in effect on the date of your purchase governs your refund eligibility for that purchase. Dated copies of previous versions are retained and are available on request from support@greencaard.com.

14. Contact Us

If you have questions about this Refund Policy or need help with a refund request, please contact us: