Refund Policy

Effective Date: [Insert Date]Last Updated: [Insert Date]

Nova Education Germany GmbH (“we,” “our,” or “us”) is committed to providing clear and transparent refund processes in compliance with German Civil Code (BGB), General Data Protection Regulation (GDPR), and other applicable EU and German e-commerce regulations.

By purchasing any product or service through www.novaeducation.de, you agree to this Refund Policy.

1. Scope of this Policy

This policy applies to:

  1. Digital Products and Services: Webinars, online courses, e-books, consultations, and digital resources.
  2. Physical Products: Books, printed educational materials, and resources delivered physically.
  3. Program Fees: Fees paid for application processing, admissions consulting, or educational programs.
  4. Installment Payments: Payments made via split or deferred schedules.
  5. Third-Party Payments: Payments processed through Stripe, PayPal, or bank transfers.

2. Refund Eligibility

2.1 Digital Products and Services

Refund requests for digital products are subject to the following conditions:

  • Right of Withdrawal: Under § 356 BGB, customers may request refunds within 14 days of purchase if:
    • The product has not been downloaded, accessed, or used.
    • The service (e.g., consultation or webinar) has not commenced.
  • Exceptions: Refunds are not provided if:
    • The product has been downloaded or accessed.
    • You waived your right of withdrawal by agreeing to immediate access during purchase.

2.2 Physical Products

Refunds for physical products will be granted if:

  • Items are returned within 14 days of receipt in original, unused condition and packaging.
  • Proof of purchase is provided.
  • Defective or Incorrect Products:
    • Full refunds or replacements will be offered for products that arrive damaged or incorrectly shipped.
    • Return shipping costs are covered by us in such cases.

2.3 Program Fees

Refunds for program fees are based on the following schedule:

  • 7 Days Before Program Start: Full refund.
  • Within 7 Days of Start Date: Partial refund (75% of the fee; 25% administrative charge).
  • After Program Start: Refunds are not available.

If Nova Education cancels the program, all participants are eligible for a full refund.

2.4 Installment Payments

Refunds for installment payments are handled as follows:

  • Refunds are calculated based on the portion of the product or service not yet delivered.
  • Any canceled installment agreements will incur a 10% administrative fee.
  • Refunds are only processed after all outstanding balances are settled.

2.5 Third-Party Payment Systems

Refunds for payments made via third-party systems (e.g., Stripe, PayPal, or Bank Transfer):

  • Refunds are subject to the policies of the respective payment provider.
  • Any transaction or service fees charged by the third-party platform may be deducted from the refund.
  • All refunds comply with GDPR requirements regarding secure payment data handling.

3. Refund Request Process

3.1 How to Submit a Refund Request

To request a refund, you must:

  1. Email: Send your request to [email protected] with the subject line: “Refund Request.”
  2. Include the Following Details:
    • Full name
    • Order ID or transaction reference number
    • Date of purchase
    • Product/service name
    • Reason for the refund request.
  3. Supporting Documentation: Attach relevant documents, such as payment receipts or photos (for physical items).

3.2 Refund Processing Timeline

  • Review Process: Refund requests will be reviewed within 10 business days.
  • Approval/Denial: You will be notified via email regarding the status of your request.
  • Refund Execution: Approved refunds will be processed as follows:
    • Bank Transfers: 5–7 business days
    • Credit/Debit Cards: 7–14 business days
    • Stripe/PayPal: 5 business days

3.3 Delayed Refunds

If you have not received your refund:

  1. Check your bank, card provider, or third-party payment account.
  2. Contact the payment provider for confirmation.
  3. Email us at [email protected] for further assistance.

4. Exceptions to Refund Policy

Refunds will not be granted in the following cases:

  • Personalized or Customized Services: Tailor-made programs or individual consultations.
  • Partially Delivered Services: Services or programs that have already commenced.
  • Late Refund Requests: Requests submitted after the specified eligibility periods.

5. Cancellations by Nova Education

If Nova Education cancels a service, product, or program:

  • A full refund will be issued within 10 business days.
  • Participants may opt to transfer to an alternative service, if available.

6. Legal Compliance

This Refund Policy adheres to the following regulations:

  1. German Civil Code (BGB): §§ 355–356 on consumer withdrawal rights.
  2. General Data Protection Regulation (GDPR): Secure handling of payment data.
  3. Telemediengesetz (TMG): Legal framework for online services.
  4. EU Consumer Rights Directive: Regulations protecting consumers in e-commerce.

7. Contact Information

For refund-related questions, contact us:

Notes for Users:

  • Stripe and PayPal: Refund processing times are subject to their internal policies.
  • Currency Conversion: Refunds are issued in the original payment currency. Any conversion fees are borne by the user.