At the Swiss Tax Institute, we are committed to providing high-quality courses and resources to our users. We understand that circumstances may arise where you are not fully satisfied with your purchase. This Refund Policy outlines the terms and conditions under which refunds may be issued, ensuring transparency and compliance with Swiss legislation.
By purchasing a course, subscription, or any other service on our platform, you agree to the terms of this Refund Policy. If you have any questions or require clarification, please contact us at contact@swisstaxinstitute.ch or can access our contact page here: Contact Us
1. General Refund Policy Overview #
We offer a 14-day refund policy for all courses and materials purchased on our platform. If you are not satisfied with the quality of the course or the materials provided, you may request a refund within 14 calendar days from the date of purchase. Refunds are subject to the terms and conditions outlined below.
This policy is designed to align with the Swiss Code of Obligations (SCO), which governs contractual obligations and consumer rights in Switzerland, ensuring fairness and compliance.
2. Eligibility for Refunds #
2.1. Period
- All refund requests must be submitted within 14 calendar days from the date of purchase.
- The refund period begins on the day following the purchase confirmation.
- Requests received after this period will not be eligible for a refund except in special circumstances at our discretion.
2.2. Course Completion Status
- Refunds are available for courses where less than 20% of the content has been accessed or completed.
- Access percentage is calculated based on the number of modules, lessons, or videos viewed relative to the total content.
- Downloading course materials counts as accessing content.
2.3. Product Usage
- For downloadable digital products, refunds are available only if the product has not been substantially downloaded, used, or copied.
- One-time access codes or activation keys that have been redeemed are not eligible for refunds.
3. Refund Process #
3.1. How to Request a Refund #
- Submit your refund request via our dedicated form available at [Contact Us].
- Alternatively, email your request to [contact@swisstaxinstitute.ch] with your order number and reason for the refund.
- All refund requests must include:
- Your full name
- Order/transaction ID
- Date of purchase
- Course or product name
- Detailed reason for requesting the refund
3.2. Review Process #
- All refund requests will be reviewed within 3 business days.
- We may request additional information to process your refund request.
- You will receive email confirmation once your refund request has been received and again when a decision has been made.
3.3. Refund Method and Timing #
- Approved refunds will be issued using the same payment method used for the original purchase.
- Processing time for refunds:
- Credit/debit card payments: 5-10 business days
- Bank transfers: 5-7 business days
- Other payment methods: up to 14 business days
- By Swiss law, all refunds will be processed within a maximum of 14 days from approval.
4. Exceptions and Special Circumstances #
4.1. Bundle Purchases #
- For course bundles or package deals, partial refunds for individual components are not available.
- The entire bundle is subject to the same refund policy.
4.2. Technical Issues #
- If you experience persistent technical issues that prevent you from accessing or properly using the purchased content, the 14-day limit may be extended until the issue is resolved.
- Technical issues must be reported to our support team at [support@swisstaxinstitute.ch] within 72 hours of discovery.
4.3. Special Offers and Discounted Products #
- Courses or products purchased at a discount of 50% or more may be subject to a modified refund policy, which will be clearly communicated at the time of purchase.
- Promotional items labeled as “non-refundable” at the time of purchase are not eligible for refunds.
4.4. Subscription and Membership-Based Services #
- For subscription and membership services, cancellation will stop future billing but will not generate refunds for the current billing period.
- Annual subscriptions or memberships paid in advance may be eligible for a prorated refund of unused months, less any applicable discounts received for the annual commitment.
5. Legal Basis and Consumer Rights #
5.1. Swiss Consumer Protection Framework #
- This refund policy operates within the framework of the Swiss Code of Obligations (Articles 40a-40f) regarding distance selling contracts.
- As a consumer, you benefit from mandatory consumer protection provisions that cannot be waived by contract.
5.2. Right of Withdrawal Exception for Digital Content #
- Following Swiss law and consistent with EU Directive 2011/83/EU, the right of withdrawal (cooling-off period) does not apply to digital content not supplied on a tangible medium if:
- You have explicitly consented to beginning the performance before the end of the withdrawal period.
- You have acknowledged that you thereby lose your right of withdrawal.
- We have confirmed your consent and acknowledgment.
5.3. Mandatory Warranty Rights #
- This refund policy does not affect your statutory warranty rights for defective products under Swiss law.
- In case of material defects in the digital product, you maintain the right to demand correction, replacement, or price reduction regardless of the refund period.
6. Policy Updates #
This refund policy was last updated on [07.03.2025]. We reserve the right to modify this policy at any time. Any changes will be effective immediately upon posting the updated policy on our website.
