Refund Policy

1. Overview

Student Loan Calculator is committed to providing high-quality services and ensuring customer satisfaction. This Refund Policy outlines the terms and conditions for refunds related to our services.

Service Provider Location: Shenzhen, China

2. Free Services

Our basic calculator tools and educational resources are provided free of charge. As these services are free, they are not eligible for refunds.

3. Premium Services and Digital Products

For any premium services or digital products we may offer in the future:

3.1 Eligibility for Refund

You may be eligible for a refund if:

• You request a refund within 30 days of purchase
• The service was not delivered as described
• Technical issues prevented you from accessing the service
• You were charged incorrectly or multiple times for the same service

3.2 Non-Refundable Items

The following are not eligible for refunds:

• Services that have been fully delivered and consumed
• Customized or personalized services after delivery
• Downloadable digital products after download
• Services purchased more than 30 days ago

4. Refund Process

4.1 How to Request a Refund

To request a refund:

1. Contact us at refunds@studentloan-calculator.com
2. Include your order number or transaction ID
3. Provide the reason for your refund request
4. Include any relevant documentation or screenshots

4.2 Review Process

We will review your refund request within 5 business days of receipt. We may contact you for additional information if needed.

4.3 Refund Timeline

If your refund is approved:

• Processing will begin within 2 business days of approval
• Refunds will be issued to the original payment method
• Funds typically appear in your account within 5-10 business days
• Processing times may vary depending on your payment provider

5. Subscription Services

If we offer subscription services in the future:

5.1 Cancellation

• You may cancel your subscription at any time
• Cancellation takes effect at the end of the current billing period
• You will continue to have access until the end of the paid period

5.2 Prorated Refunds

We generally do not provide prorated refunds for partial billing periods. However, exceptions may be made for:

• Service outages lasting more than 48 hours
• Significant changes to service features
• Billing errors

6. Third-Party Payment Processors

We use third-party payment processors (such as Creem.io) to handle transactions. Refunds are subject to the terms and conditions of these payment processors. We are not responsible for delays caused by payment processors.

7. Chargebacks

We encourage customers to contact us directly for refunds before initiating a chargeback with their payment provider. Chargebacks may result in:

• Suspension of account access
• Inability to make future purchases
• Collection proceedings for disputed amounts

8. Exceptions and Special Circumstances

We reserve the right to make exceptions to this policy on a case-by-case basis for:

• Technical failures on our end
• Documented medical emergencies
• Natural disasters or force majeure events
• Other extraordinary circumstances

9. Changes to Refund Policy

We may update this Refund Policy from time to time. Changes will be effective immediately upon posting on this page. Your continued use of our services after changes constitutes acceptance of the revised policy.

10. Consumer Protection Rights

This Refund Policy does not limit any consumer protection rights you may have under applicable law. Some jurisdictions provide additional rights that cannot be waived.

11. Contact Information

For questions about this Refund Policy or to request a refund, please contact us:

12. Acknowledgment

By using our services, you acknowledge that you have read and understood this Refund Policy.