Eligibility Criteria

Refund eligibility depends on several factors, including when you request the refund and your level of course engagement. We've structured these criteria to balance flexibility with fairness.

Full Refund Eligibility

• Cancellation within 7 calendar days of initial payment (cooling-off period)
• Program cancellation by CloudXPortal due to insufficient enrollment
• Technical issues that prevent course access for more than 72 consecutive hours
• Duplicate payment processing errors confirmed by our billing team

Partial Refund Eligibility

• Withdrawal between 8-21 days after enrollment with less than 25% content accessed
• Medical or family emergencies with supporting documentation (reviewed case-by-case)
• Military deployment orders received after enrollment

Non-Refundable Situations

• Requests made more than 21 days after enrollment date
• Completion or access of more than 25% of course materials
• Program certificates already issued or downloaded
• Violation of our terms of service or academic integrity policies
• Change of personal circumstances without supporting documentation

Refund Request Process

We've designed our refund process to be straightforward. Here's exactly what you need to do and what happens at each stage.

Processing Times and Methods

Refund processing times vary based on your original payment method. Here's what to expect for each option we accept.

All refunds are processed in the original currency of payment. If exchange rates have changed since your enrollment, the refund amount reflects the original transaction value, not current conversion rates.

Partial Refund Calculations

When a partial refund applies, we calculate the amount based on course access and time elapsed since enrollment.

Calculation Method

1. We determine the percentage of course content you've accessed through our learning management system
2. We calculate the number of days elapsed since your enrollment date
3. The refund amount equals the full course fee minus a proportional amount based on access percentage and time
4. An administrative fee of 500 THB applies to all partial refunds to cover processing costs

Course Access Tracking

Course access includes viewing video lectures, downloading materials, completing quizzes, accessing case studies, and participating in discussion forums. Simply logging into the platform without engaging with content doesn't count as course access.

Special Circumstances

We understand that unexpected situations arise. While we maintain clear refund policies, we also evaluate certain circumstances on a case-by-case basis.

Medical Emergencies

If you or an immediate family member experiences a serious medical emergency that prevents you from completing your program, we may extend your access period or offer a partial refund. We require documentation from a licensed healthcare provider.

Technical Issues

If persistent technical problems prevent you from accessing course materials despite our support team's efforts to resolve them, we'll either extend your enrollment period or provide an appropriate refund based on time lost.

Program Changes

If CloudXPortal significantly changes a program's structure, content, or schedule after your enrollment, you have 14 days from notification to request a full refund, regardless of course access.

Billing Errors

If you're charged incorrectly due to a system error—including duplicate charges, wrong amounts, or unauthorized charges—we'll issue a full refund immediately upon verification, typically within 3 business days.

Program Transfer Option

Instead of requesting a refund, you may prefer to transfer your enrollment to a different CloudXPortal program or defer to a future session.

Transfer Guidelines

• One-time transfer allowed within 30 days of original enrollment
• Available to programs of equal or greater value (price difference applies)
• Must be requested before accessing more than 30% of current program content
• No transfer fee for switches to programs within same price range

Deferral Guidelines

• Defer enrollment to next available session of same program
• Must request at least 7 days before official program start date
• Available once per enrollment at no additional charge
• Deferred enrollment valid for next two scheduled sessions only

Both transfers and deferrals often provide better value than refunds, allowing you to continue your financial modeling education when circumstances permit.

Corporate and Group Enrollments

Refund policies for corporate training packages and group enrollments differ slightly from individual student policies.

Group Enrollment Refunds

For groups of 5 or more students enrolled under a single corporate agreement, refund requests must come from the organization's designated training coordinator. Individual students within the group cannot request separate refunds.

Corporate Package Adjustments

Organizations can adjust the number of enrolled students within the first 14 days of the program start date. Reductions result in pro-rated refunds minus a 10% administrative fee. After 14 days, no refunds are available for seat reductions.

Unused Licenses

If your organization purchases access licenses but doesn't assign them to students within 90 days of purchase, those licenses remain valid for 12 months from purchase date but are non-refundable.

For detailed corporate refund terms, please refer to your organizational agreement or contact our corporate training team directly.