Refund Policy

We would rather be upfront about refunds than bury the rules. This policy explains exactly when a membership can be refunded and how to ask.

1. The short version

• If we decline your application and you somehow already paid, you get 100% back.
• If you change your mind within 7 days of your access being activated and you have completed no more than 20% of any course, you get a full refund.
• After that, memberships are generally non-refundable, because access to the full library has already been granted.
• Duplicate or incorrect payments are always refunded.

2. Payment happens after acceptance

Nothing is payable when you apply. We only issue payment instructions if your application is accepted, which prevents most refund situations from arising in the first place.

3. If your application is declined

You will not be asked to pay. If you paid before receiving a decision — for example by transferring early — we refund the full amount, with no deduction, once we have confirmed the payment reached us.

4. Cooling-off period

You may request a full refund within 7 calendar days of the date we activate your academy access, provided you have completed no more than 20% of the lessons in any course.

We use that completion threshold because the value here is the content itself: once a substantial portion has been consumed, it cannot be returned. Your progress is recorded automatically in the platform, so this is measured objectively rather than by argument.

5. After the cooling-off period

Once 7 days have passed, or once you have completed more than 20% of a course, memberships are non-refundable — including the unused remainder of a quarterly, annual or two-year period.

We know that reads firmly, so here is the reasoning: you are paying for access to a complete library plus live mentorship, and that access is granted in full from day one rather than drip-fed.

6. Partially used memberships

We do not pro-rate refunds for the unused portion of a longer membership period. If you are unsure about committing for a year or two years, start with the monthly or quarterly option.

7. Duplicate, incorrect or overpayments

If you pay twice, pay the wrong amount, or pay for the wrong period, tell us and we will put it right — either by refunding the difference or by crediting it against your membership, whichever you prefer. This is not discretionary; it is simply money that was not owed to us.

8. Situations where a refund will not be given

• Trading losses of any kind. The Academy sells education, not trading outcomes, and makes no promise of profit.
• Not using your membership, or being too busy to study.
• Requests made after the 7-day cooling-off period, except where the law requires otherwise.
• Accounts terminated for serious breach of our Terms — for example sharing your login, or redistributing course material.
• Disagreement with the teaching approach after substantially completing the material.

9. How to request a refund

Email info@polelotradingacademy.ac.bw with the subject line "Refund request", and include:

1. The name and email on your membership.
2. The payment date, amount and reference.
3. The membership period you purchased.
4. A short explanation — it genuinely helps us improve.

Please send it from the email address on your account so we can verify who you are.

10. How refunds are processed

• We acknowledge every request within 3 business days.
• We confirm the decision within 10 business days.
• Approved refunds are paid within 14 business days of approval.
• Refunds go back to the same bank account the payment came from, in Botswana Pula. We cannot pay a refund to a third party.
• Any bank charges on the original transfer are not recoverable from us.

Academy access ends on the day a refund is approved.

11. If we cancel or discontinue

If we discontinue the Academy, or cannot provide the service you paid for, we refund the unused portion of your membership on a pro-rata basis. That is our responsibility, not yours.

12. Your legal rights

Nothing in this policy removes rights you have under Botswana consumer-protection law. Where this policy and the law disagree, the law wins.

13. Contact

Questions about this policy before you pay — which is the best time to ask — go to info@polelotradingacademy.ac.bw.