Refund Policy

Last Updated: May 15, 2023

At ibes network, we strive to provide high-quality AI-powered fintech market analysis and services that meet our customers' expectations. This Refund Policy outlines the terms and conditions regarding refunds for our subscription services, digital products, and other offerings.

By purchasing or using any of our services, you agree to the terms of this Refund Policy. Please read this policy carefully before making any purchases.

1. Subscription Services

1.1 Premium Subscription Plans

We offer various subscription plans for our premium market analysis and intelligence services. The following refund terms apply to these subscriptions:

• Monthly Subscriptions: For monthly subscription plans, we offer a 7-day money-back guarantee from the date of initial purchase. If you're not satisfied with our services within this period, you can request a full refund. After the 7-day period, no refunds will be issued for the current billing cycle.
• Annual Subscriptions: For annual subscription plans, we offer a 14-day money-back guarantee from the date of initial purchase. If you're not satisfied with our services within this period, you can request a full refund. After the 14-day period, we may provide prorated refunds at our discretion, based on the unused portion of your subscription.
• Enterprise Plans: Refund terms for enterprise subscription plans are defined in the individual service agreements. Please refer to your specific contract for details.

1.2 Subscription Cancellation

You may cancel your subscription at any time by logging into your account settings or contacting our customer support. Upon cancellation:

• You will retain access to the subscription services until the end of your current billing period
• Your subscription will not automatically renew after the current billing period ends
• No refunds will be provided for the unused portion of your current billing period unless specified in section 1.1

To cancel your subscription, please email us at [email protected] or access the subscription management section in your account dashboard.

2. One-Time Purchases

2.1 Digital Reports and Special Analyses

For one-time purchases of digital reports, market analyses, and other downloadable content:

• Due to the nature of digital products, all sales are final once you have accessed or downloaded the content
• If you have not yet accessed or downloaded the content, you may request a refund within 3 days of purchase
• If the digital product is found to contain significant errors or is materially different from its description, you may be eligible for a refund within 14 days of purchase

2.2 Webinars and Online Events

For purchases related to webinars, online workshops, and similar events:

• Registrations are fully refundable up to 7 days before the scheduled event
• Cancellations made within 7 days of the event may receive a partial refund of 50% of the purchase price
• No refunds will be provided for no-shows or cancellations on the day of the event
• If an event is rescheduled or canceled by ibes network, you will be offered either a full refund or the option to transfer your registration to the rescheduled event

2.3 Consulting Services

For personalized consulting services or custom research projects:

• Refund policies are outlined in the individual service agreements provided before the commencement of services
• Generally, deposits for consulting services are non-refundable once work has commenced
• For multi-stage projects, refunds may be available for incomplete portions of the work, subject to deductions for work already performed

3. Refund Process

3.1 How to Request a Refund

To request a refund, please contact our customer support team through one of the following methods:

• Email: [email protected]
• Contact form on our website
• Phone: +218241847780 (Monday to Friday, 9:00 AM - 6:00 PM CET)

When requesting a refund, please include:

• Your full name and email address associated with your account
• Order number or transaction ID
• Date of purchase
• Reason for requesting a refund
• Any relevant information or screenshots that may help us process your request

3.2 Refund Processing Time

Once your refund request is approved:

• Credit card refunds typically process within 5-10 business days, depending on your credit card issuer
• Bank transfers may take 7-14 business days to appear in your account
• Other payment methods will be refunded according to their standard processing times

You will receive a confirmation email once your refund has been processed from our end.

4. Exceptions and Special Circumstances

4.1 Technical Issues

If you experience technical difficulties that significantly impair your ability to access or use our services, please contact our support team before requesting a refund. We are committed to resolving technical issues promptly and may extend your subscription period to compensate for any service unavailability.

4.2 Promotional Offers and Discounted Purchases

Services or products purchased with promotional discounts, special offers, or using gift cards may be subject to different refund terms. These specific terms will be communicated during the purchase process.

4.3 Account Termination

If your account is terminated due to violations of our Terms and Conditions or for fraudulent activity, you will not be eligible for a refund.

4.4 Force Majeure

In cases of events beyond our reasonable control (including but not limited to natural disasters, power outages, or pandemic restrictions), refund terms may be adjusted accordingly.

5. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Changes will take effect immediately upon posting to the website. Your continued use of our services following the posting of changes constitutes your acceptance of such changes.

The version of the Refund Policy in effect at the time of your purchase will apply to that transaction.

6. Contact Us

If you have any questions about this Refund Policy or would like to request a refund, please contact us:

• By email: [email protected]
• By phone: +218241847780
• By mail: Gamlegropa 4309, 8726 Stathelle, Norway