Refund Policy

1. Introduction

This Refund Policy ("Policy") describes the conditions and procedures for refunds related to services offered by FinancePro Brazil through the website financepro.com.br ("Site").

It is important to clarify that FinancePro Brazil is a platform for analysis and recommendation of finance courses and not a direct course provider. Therefore, this policy applies to specific services offered by us and not to third-party courses that we recommend.

2. Services Offered by FinancePro Brazil

Our services include:

• Free content on our blog and website about financial education
• Recommendations and analyses of finance courses available in the market
• Newsletter with tips and news about finances and courses
• Occasionally, paid materials such as e-books, guides, or other exclusive digital content
• Consulting services for finance course selection (when available)

3. Refund Policy for Digital Products

3.1. E-books, guides, and digital materials

For e-books, guides, or other digital materials sold directly by FinancePro Brazil, we offer a guarantee period of 7 (seven) calendar days from the date of purchase. If you are not satisfied with the purchased material, you may request a full refund within this period, without the need for justification.

After the 7-day period, no refunds will be granted for digital products that have already been accessed or downloaded, due to the nature of digital products that cannot be "returned" in the traditional sense.

3.2. Refund request process

To request a refund for digital products, you must:

1. Send an email to [email protected] with the subject "Refund Request"
2. Include in the email your full name, purchase date, and proof of payment
3. Briefly explain the reason for the refund request (optional, but helps us improve our products)

We will process your refund request within 5 (five) business days, and the amount will be credited back to the same payment method used for the original purchase. The time for the amount to appear in your account may vary according to the credit card company or financial institution.

4. Policy for Consulting Services

4.1. Cancellations before service delivery

For scheduled consulting services:

• Cancellation more than 48 hours in advance: 100% refund of the amount paid
• Cancellation between 24 and 48 hours in advance: 70% refund of the amount paid
• Cancellation less than 24 hours in advance: 50% refund of the amount paid
• No-show without prior notice: No refund

4.2. Dissatisfaction with the service provided

If you are not satisfied with the consulting service provided, you may request a partial or full refund within 7 (seven) days after the consultation. Each case will be evaluated individually by our team, considering the nature of the service provided and the previously agreed expectations.

We value our customers' satisfaction and strive to resolve any issues in a fair and reasonable manner.

5. Third-Party Recommended Courses

5.1. Responsibility for refunds of third-party courses

5.2. Assistance with third-party refunds

Although we are not responsible for processing refunds for third-party courses, we can provide limited assistance in the following situations:

• Guidance on how to find the course provider's refund policy
• Suggestions on how to contact the provider's customer support
• In exceptional cases, we may act as intermediaries to help with communication with the course provider

To request assistance, please contact our support team via email at [email protected].

6. Exceptions to the Refund Policy

We reserve the right to deny refund requests in the following circumstances:

• When there is evidence of fraud or abuse
• When the request is made after the specified guarantee period
• When the digital product has been significantly accessed, downloaded, or used
• In cases of customized services that have already been delivered according to customer specifications

7. Affiliate Program and Commissions

FinancePro Brazil may receive affiliate commissions when you enroll in courses through links on our Site. In case of a course refund by the provider, the corresponding commission will also be reversed according to the terms of the affiliate program.

This affiliate relationship does not affect our recommendations or analyses, which are always based on objective criteria and the actual quality of the evaluated courses.

8. Changes to the Refund Policy

We may update this Refund Policy periodically. The most recent version will always be available on our Site. We recommend that you review this policy regularly to stay aware of any changes.

Changes will take effect on the date of publication of the new version. For purchases made before a change in the policy, the conditions in effect at the time of purchase will apply.

9. Applicable Legislation

This Refund Policy is subject to Brazilian laws, including the Consumer Protection Code (Law No. 8,078/90), which guarantees consumers the right to regret purchases made outside the commercial establishment within 7 days.

In case of conflict between this policy and applicable legislation, what is most favorable to the consumer will prevail, as determined by current legislation.

10. Contact