We want you to understand what you are buying and what happens if something goes wrong. This Policy applies to purchases from Virtually By Mo Academy, a division of Virtually By Mo.
This Policy does not remove any refund, cancellation, repair, replacement or other right that cannot lawfully be excluded under the Federal Competition and Consumer Protection Act 2018 or other applicable law.
1. Digital downloads
Digital guides, templates and other downloadable products are normally supplied immediately after payment. Because access cannot be returned once it has been delivered or downloaded, purchases are generally final after access has been provided.
We will, however, investigate and provide an appropriate remedy where:
- you were charged more than once for the same order;
- you paid but did not receive access and we cannot deliver it within a reasonable time after you notify us;
- the file is materially defective, corrupted or substantially different from the product description and we cannot repair or replace it within a reasonable time;
- we cancel the order or cannot supply the product; or
- a refund or other remedy is required by applicable law.
Please report delivery or file problems within 7 days of purchase so we can investigate quickly. This reporting period does not limit a statutory right that applies for longer.
2. Self-paced courses and recorded training
You may request a change-of-mind refund within 7 calendar days of purchase if you have viewed no more than 20% of the core course content and have not downloaded course bonuses, templates or substantial course materials. After that point, the purchase is generally non-refundable unless the course is defective, materially misdescribed, not supplied, or a refund is otherwise required by law.
If a course includes immediate downloadable products, the reasonable value of any materials already accessed may be deducted from an approved change-of-mind refund where permitted by law and clearly disclosed at purchase.
3. Live or cohort-based programmes
Unless a sales page states a more generous rule:
- A cancellation requested at least 7 calendar days before the advertised start date is eligible for a refund, less any reasonable, disclosed payment-processing or administrative costs that cannot be recovered.
- A cancellation requested fewer than 7 calendar days before the start date may be transferred once to the next available cohort or another person approved by us, subject to availability.
- After the programme has started, fees are generally non-refundable for change of mind, but we will consider a fair remedy if the programme is cancelled, materially changed or not supplied as described.
4. Strategy sessions and private appointments
- Cancellation 48 hours or more before the scheduled start time: eligible for a refund, less any reasonable non-recoverable payment-processing charge, or a free reschedule.
- Rescheduling 24 hours or more before the scheduled start time: one free reschedule is permitted, subject to availability.
- Cancellation or rescheduling fewer than 24 hours before the scheduled start time: the fee is normally non-refundable because the time was reserved and may not be rebooked.
- Late arrival: the session will normally end at the original time. Arriving more than 15 minutes late without notice may be treated as a missed appointment.
- Missed appointment: no refund is normally provided, but genuine emergencies may be considered reasonably on a case-by-case basis.
If we cancel and cannot agree a suitable replacement time, you will receive a full refund for the affected session.
5. Instalment plans
An instalment plan divides the total price; it is not a pay-as-you-go subscription unless expressly stated. If you withdraw after the applicable refund period, remaining instalments may still be due. If a refund is approved, future instalments for the refunded purchase will be cancelled and any amount due back will be calculated under this Policy and applicable law.
6. How to request a refund or cancellation
Email [email protected] with the subject line "Refund Request" and include:
- your full name and the email address used for purchase;
- the product, course or session purchased;
- the purchase date and transaction reference; and
- a short explanation of the issue and, for a technical problem, a screenshot where helpful.
We may request reasonable information needed to verify the purchase and investigate the request.
7. Processing approved refunds
We aim to confirm the outcome of a complete request promptly. An approved refund will normally be initiated within 7 business days and returned through the original payment method where reasonably possible. Your bank or payment provider may take additional time to display the funds. We will not require you to accept store credit where the law entitles you to a monetary refund.
8. Chargebacks
Please contact us first if you believe a charge is incorrect so we can investigate. This does not prevent you from using any lawful dispute right offered by your bank, payment provider or consumer-protection authority.
9. Changes to this Policy
We may update this Policy for future purchases. The version shown at the time of your purchase will generally apply to that purchase unless a later version gives you more favourable rights or the law requires otherwise.
10. Contact
Virtually By Mo Academy
Email: [email protected]
Location: Lagos, Nigeria