1. Preface and scope of application.

This policy regulates the provisions of returns, replacements and refunds for Digital Products, sold by Growth Partners Consultancy W.L.L. (hereinafter referred to as ” the Company ” or ” We “) via its online store (referred to as ” Platform “).

This policy applies to all products offered on the Platform, which are limited to:

• Online Courses: pre-recorded Online Courses, available to the buyer through an access account for three (3) months from the date of activation of the access.
• Digital Templates: digital files ready for download, including Template itself, Package Contents Guide and User Guide.

This policy is read with Terms of Use, Privacy and Data Protection Policy, Licensing and Digital Use Policy, and Legal Disclaimer, all of which constitute one integrated agreement between you and Company.

2. Definitions.

The following words and phrases, wherever they appear in this policy, shall have the meanings set forth in their respective definitions, unless the context requires otherwise:

Digital Product.

Definition: All electronic content sold by the company through the Platform, whether it is a recorded course or a downloadable template file.

Access Activation.

Definition: The moment when the buyer has access to the course content, whether by first signing in, playing any of its videos or opening any of its materials.

Downloading.

Definition: Buyer downloads Template file in whole or in part from My Purchases section or through the digital delivery device adopted by Company.

Verified Technical Issue.

Definition: A technical fault attributable to the Company’s systems or Platform that actually prevents the Buyer from accessing or downloading the product, is supported by the evidence required under this Policy, and is not caused by the Buyer’s device, internet connection or settings.

Refund.

Definition: Return the payment or part of it to Buyer through the original means of payment itself.

Replacement.

Definition: Restored availability of the digital file or provision of an alternative version to Buyer in the same format via My Purchases section or an approved digital means of delivery.

Payment Gateway.

Definition: Payment service provider or company-approved technical platform for processing payments.

Chargeback (Chargeback).

Definition: A procedure initiated by the cardholder through the issuing bank to dispute and reverse a payment transaction.

3. General principle.

Given the special nature of digital products, and the fact that they are delivered immediately and consumed as soon as they are accessed or loaded, and cannot be returned, recovered or verified for destruction of the Buyer version, the general rule is:

Buyer acknowledges that he had access to the product description, contents and requirements on the product page prior to purchase, that he had made his own assessment of the product ‘ s suitability for its need, and that the company had provided him with sufficient information to make the purchase decision.

4. Exceptional Cases in which Refund or Replacement is accepted.

With the exception of the general rule above, the Company deals with Buyers ‘ applications in the following cases, in accordance with the conditions, deadlines and documents set out therein:

Case 1

Status: A technical problem established by the Company prevents access to the course, such as failure of the Platform or videos not appearing or corrupted uploaded content.

Applicable product: Online Courses.

Remedy: Repair or reactivate first. If the issue cannot be resolved within ten (10) working days of reporting, a full refund of the value of the course is due.

Reporting period: Seven (7) days from the date of purchase.

Required evidence: Clear screenshot showing error and history, with order number and registered mail.

Case 2

Status: A proven technical problem that prevents the downloading of the Template file, such as disrupting the download function of My Purchases, damage to the file or lack of a component.

Applicable product: Digital Templates.

Remedy: Restore access to the file, repair of problem, or provision of an alternative version to Buyer via My Purchases or an approved digital delivery device. No cash refund is due when the company is able to address the problem; if a issue cannot be resolved within ten (10) working days of reporting, a full refund of the value of Template is due.

Reporting period: 48 hours from the date of purchase.

Required evidence: A screen shot of the error message or an accurate description of the problem, with the order number.

Final non-delivery of the product despite deduction of its value from the means of payment.

Applicable product: All products.

Remedy: Re-deliver the product immediately, or full refund if delivery is not possible.

Reporting period: Seven (7) days from the debit date.

Required evidence: Bank or e-wallet debit notice, with order number.

The same order is charged more than once.

Applicable product: All products.

Remedy: Full refund of excess amounts.

Reporting period: 30 days from the debit date.

Required evidence: Bank statement or notice showing duplication of process.

Making available a product different from the product actually purchased as a result of an error from Company.

Applicable product: All products.

Remedy: Correct the order and provide of the correct product, or full refund if correction is not possible.

Reporting period: Seven (7) days from the date of purchase.

Required evidence: Order number with an error of product available.

Unless otherwise specified, the above time limits shall be calculated from the date and time of completion of the purchase process recorded in the Company system.

5. Cases in which Refund or Replacement is not accepted.

Company shall not accept a refund request or replacement in any of the following cases, and the request shall be considered to have been rejected under this Policy:

• Access Activation to the course or see any part of its content, unless a technical problem is proven according to item IV.
• Load the Template file in whole or in part, unless it is established that the file was damaged or incomplete for a reason attributable to the Company.
• Buyer’s opinion changed after the purchase, or the need for the product was reversed, or the product was accidentally purchased as a result of not reading the description of the product.
• The lack of conformity of the product with the buyer’s personal expectations was not mentioned in the description of the product on the Platform.
• Buyer does not have the necessary hardware, software or Internet speed to operate or upload the product.
• The three-month course has expired without Buyer benefiting or completing it.
• Abuse of access to products through My Purchases section, including abnormal download patterns or attempts to bypass applicable technical controls.
• The failure to review Template by a licensed lawyer prior to its official use, or the inadequacy of Template for a particular legal situation, as Templates are general reference tools as described in Legal Disclaimer.
• Use the product and then claim Refund for lack of content after taking advantage of it.
• Buyer’s violation of Licensing and Digital Use Policy, such as resale, distribution, file sharing or access data.
• Refund requested after the expiry of the time limits stipulated in section IV of this policy.
• Products obtained as part of a free offer, gift or discount code with full value, as they are not recovered unless paid.

6. Refund Request Procedure.

A Buyer wishing to request a refund or replacement must follow these steps:

Step 1.

Action: Send a written request to support@growth-gcc.com within the prescribed time frame of the case, with the request stating the order number, the e-mail registered at the time of purchase, the name of the product, a precise description of the problem and supporting documentation.

Responsible: Buyer.

Duration: Within the prescribed time limit.

Step 2.

Action: Record the application, issue a reference number and notify Buyer of receipt.

Responsible: Company.

Duration: Within one business day of receipt.

Step 3.

Action: Technically and financially examine the application, verify the system records, deliver and access, request any additional information or documents if needed, and then issue the final reply and notify Buyer in writing via e-mail, indicating the reasons for the refusal, if any.

Responsible: Company.

Duration: Within 5 working days of receipt of all required information.

Step 4.

Action: Implement Refund or Replacement in case of approval.

Responsible: Company.

Duration: Under Section 7.

If Company requests any additional information or documentation, the deadline for final reply provided above shall begin from the date of completion of the requested information.

7. Refund implementation.

If the refund request is approved, the following provisions shall apply:

• The Company will begin processing the refund through the Payment Gateway or Approved Payment Service Provider within five (5) working days after notifying the Buyer that the request has been approved.
• The amount shall be refunded to the same original means of payment used in the purchase and shall not be refunded to another means of payment, to a third party account or to cash, in compliance with the Payment Gateway and Card Networks Rules.
• The refunded amount shall in no way exceed the original transaction.
• The refund is issued in Bahraini dinars, the payment settlement currency approved by the Company.
• The appearance of the amount in the Buyer account may take an additional period, determined by the policies of the issuing bank or the e-wallet provider, beyond the control of the Company for which the Company has no responsibility.
• The company does not bear any differences resulting from currency conversion or charges charged by the issuing bank to Buyer, as they are charges for the relationship between Buyer and the bank.
• Buyer ‘ s access to the product is terminated immediately upon approval of the Refund, ending with any licence granted to him, and he is obliged to delete every copy in his possession.
• Refund is actually implemented through the Payment Gateway approved to the Company. Implementation may be delayed or temporarily impossible due to Payment Gateway procedures or card networks that are out of the control of the Company, including review of the process or suspension of settlements.
• The delay arising from the Payment Gateway or issuing bank proceedings shall not be considered to be in breach of the company ‘ s obligations under this policy, as long as the company has issued Refund instructions within the time limit prescribed above.

8. Replacement and redeployment.

If a technical problem has been established that prevents access to an electronic course or the downloading of a Digital Template, the original processing shall be repair, reactivation or restored availability, not cash refund, as follows:

• Digital Products purchased remain available to the buyer via My Purchases Section in its account, with the right of the company to apply reasonable technical controls to prevent improper misuse or illegal downloads.
• If the file is damaged or minus the components, the company sends a fully valid copy including Template, the package contents guide and the user guide.
• Replacement is neither a renewal nor an extension of the licence, and the already granted Licence remains in force at the same limits.
• If the Company is unable to deal with the technical problem of Online Course or Digital Template within 10 (10) working days of reporting, Buyer ‘ s right is transferred to full Refund in accordance with the provisions of section VII.

9. Disputes and refunds through the bank.

In order to safeguard the rights of the parties and avoid costly procedures, Buyer is obliged to review the company first to support@growth-gcc.com before resorting to any banking challenge procedure. The following provisions apply:

• Company maintains complete records of each purchase, including application data, delivery time, access or downloading record and IP address User, which are used as evidence of delivery to the Payment Gateway and banks.
• In the event of a bank objection to an operation, the company shall submit the certified delivery evidence to Payment Gateway within seven (7) working days of notification of the dispute.
• Company maintains transaction records for at least two years (2) from the date of the operation for reference, reconciliation and dispute settlement.
• If it is established that the bank objection was made for no legitimate reason or after Buyer has taken advantage of the product, the company may suspend Buyer’s account, cancel the Licence granted to it and refrain from dealing with it in the future, while retaining its right to claim any compensation, fees or costs incurred by it.
• The submission of a bank objection shall not preclude the right of a company to invoke the provisions of this policy before competent authorities.

10. Payment and price provisions.

• The available means of payment are shown upon checkout and may vary from time to time, and payments are addressed through Payment Gateway or Approved Payment Service Provider at Company.
• Company does not charge any additional fee on any means of payment, and the value of the product does not vary according to the method used.
• There is no minimum or maximum purchase value.
• The prices offered on the Platform are final in Bahraini dinars, and no fees are added when paid. If any tax or fee is imposed by law in the future, it will be clearly disclosed on the payment page before the purchase is completed.
• The issuing bank or e-wallet provider may apply currency conversion fees or international transaction fees to Buyer outside the control of the Company.
• Company and Payment Gateway reserves the right to reject or suspend any operation suspected of irregularity or fraud.

11. Abuse of policy.

Company reserves the right to refuse any refund request or replacement, and to suspend or cancel Buyer ‘ s account, once it has found a pattern of unlawful use of this policy, including but not limited to: repeated Refund requests after taking advantage of the products, submission of incorrect or modified documents or screenshot, establishment of multiple accounts for taking advantage of offers, circumvention of the Licence restrictions, participation of products with third parties and subsequent application for Refund.

12. Force Majeure.

The Company is not liable for delay or failure to perform its obligations under this Policy due to a Force Majeure event beyond its reasonable control, including hosting or internet outages, widespread payment-network failures, cyberattacks, natural disasters, or official decisions and instructions. The Company will use reasonable efforts to restore the service as soon as practicable and notify affected Buyers.

13. Formal consumer rights.

14. Policy Amendment.

Company reserves the right to modify this policy in whole or in part at any time, with the amended text published on the Platform with an update to the date of the last update of this document. The version in effect at the time of the purchase process applies to that process, and the amendments do not apply retroactively to previous Buyers.

15. Governing Law and Jurisdiction.

This policy, and any relations or disputes that arise therefrom, are governed by the laws of the Kingdom of Bahrain. Friendly efforts are made first to settle any dispute within 30 days of notification to the other party in writing. If a friendly solution cannot be found, the competent courts of the Kingdom of Bahrain shall have exclusive jurisdiction.

16. Communication.

Refund and Replacement requests.

Communication: support@growth-gcc.com.

Public inquiries and complaints.

Communication: support@growth-gcc.com.

Issuing Entity

Communication: Growth Partners Consultancy W.L.L, Commercial Registration No. 197615-1, Kingdom of Bahrain

Final Notes

• The working days referred to in this policy shall be calculated according to the official working days of the Kingdom of Bahrain, and shall not include official holidays and weekends.
• The Arabic text of this policy is the text adopted and, if a translation is issued in any other language, the Arabic text is more likely to be interpreted when there is a difference in interpretation.
• If any of the items of this policy are declared invalid or unenforceable, the remaining items remain valid and enforceable.
• Not to use or delay in the use of any of its rights established in this policy shall not be considered a waiver.
• All notices relating to this policy shall be sent to Buyer ‘ s registered e-mail at the time of purchase, and the transmission shall be valid and productive.
• By purchasing through the Platform, you agree to these policies.