Refund, Return & Cancellation Policy

Effective Date: 19 September 2026
Last Updated: 19 September 2026
Platform: https://www.skillsnify.com/

1. Purpose

This Policy governs refunds, returns, cancellations, recurring subscriptions, free trials, chargebacks and platform intervention for Courses, Communities and other paid Skillsnify services.

Skillsnify operates a creator marketplace. Creators can choose the commercial refund terms for their own Courses and Communities, subject to applicable law and Skillsnify rules.

Skillsnify therefore operates three layers of protection:

1. the Creator's displayed refund terms;
2. Skillsnify's general 30-day platform return/intervention policy; and
3. mandatory legal rights.

Where these conflict, mandatory law prevails.

2. Definitions

Creator means the person or organisation offering a Course or Community.

Student/User means the person purchasing or accessing a Course or Community.

Course means an educational product, programme, class, lesson, workshop, training or learning experience.

Community means a creator-operated community or membership service.

Refund means the return of money already paid.

Cancellation means stopping a future recurring payment. Cancellation does not automatically refund a previous payment.

Refund Period means the period during which a refund may be requested under the applicable Creator terms.

Platform 30-Day Period means the first 30 days following the relevant purchase during which Skillsnify may investigate and intervene in qualifying circumstances.

Subscription means a recurring paid service.

Trial means a free or paid introductory period before a recurring charge.

3. Creator-Controlled Refund Terms

Creators may choose whether an eligible Course or Community is:

• refundable;
• non-refundable;
• refundable for a defined period; or
• subject to another supported refund arrangement.

Creators may select supported refund periods such as:

• 7 days;
• 14 days;
• 30 days; or
• 90 days.

Skillsnify may add or modify available periods.

The applicable refund terms should be displayed clearly before purchase.

4. The Refund Terms Shown at Purchase

The refund terms displayed to the User at the time of purchase generally govern that transaction.

Creators must not materially change the refund terms after a purchase in a way that removes an already-acquired refund right, unless legally permitted.

Skillsnify may retain transaction records showing the terms presented at purchase.

5. Non-Refundable Offerings

A Course or Community marked non-refundable is generally not refundable merely because the User:

• changed their mind;
• did not use the service;
• did not have time to complete it;
• bought another Course;
• found a cheaper alternative; or
• did not achieve the expected personal or financial result.

However, non-refundable does not mean that:

• mandatory legal rights disappear;
• Skillsnify cannot intervene;
• a Creator may fail to deliver the service;
• materially misleading representations are permitted; or
• a defective, unavailable or materially misrepresented service is automatically exempt from redress.

6. Skillsnify's General 30-Day Platform Return Policy

Skillsnify maintains a general 30-day platform return/intervention policy.

This allows Skillsnify to investigate a qualifying complaint within 30 days of purchase and, where appropriate, provide a remedy even when the Creator's selected refund setting would otherwise make the transaction non-refundable.

This is a platform-level intervention mechanism, not an automatic 30-day money-back guarantee.

Skillsnify may decide that the appropriate remedy is:

• full refund;
• partial refund;
• platform credit;
• replacement access;
• restored access;
• Creator corrective action; or
• another reasonable remedy.

7. Circumstances for Platform Intervention

Skillsnify may intervene where, for example:

• a paid Course was never made available;
• a paid Community was never made available;
• the service is materially different from what was advertised;
• a material representation was misleading;
• a Creator materially failed to deliver the advertised service;
• a paid Community was abandoned or closed prematurely;
• significant technical problems prevent reasonable use;
• a duplicate charge occurred;
• a payment was processed incorrectly;
• a platform error caused an unexpected renewal;
• a Course or Community is removed for serious policy or legal reasons;
• fraud or unauthorised payment is suspected; or
• another circumstance makes consumer remediation reasonably appropriate.

Intervention remains subject to applicable law and the facts of the transaction.

8. Mandatory Consumer Rights

Nothing in this Policy excludes mandatory statutory rights.

The FCCPC states that consumers have rights concerning cancellation, returns and refunds in applicable circumstances, and its business guidance encourages clear terms, consumer-friendly return policies, prompt refunds and appropriate redress for poor or undelivered services. citeturn0search12turn0search4turn0search7

The Federal Competition and Consumer Protection Act also prohibits unfair, unreasonable or unjust contractual terms. citeturn0search19

Accordingly, a Creator's no-refund setting cannot lawfully remove a remedy that applicable law requires.

9. One-Time Course Purchases

Refundable Course

A Student may request a refund within the Creator's stated refund period, subject to the disclosed conditions.

Non-Refundable Course

A refund is generally unavailable for a simple change of mind, but the Student may request Skillsnify platform intervention within the applicable 30-day period where a legitimate service, payment, delivery, fraud or consumer-protection issue exists.

Materially Misrepresented Course

Skillsnify may investigate and may provide an appropriate remedy where the Course is materially different from its advertised description.

10. Community Purchases

The same principles apply to Communities.

A Community may be free, one-time paid, trial-based, monthly, subscription-based, refundable or non-refundable.

The Creator must provide accurate payment and refund information.

11. Subscriptions

Courses and Communities may be sold as recurring subscriptions.

A subscription may renew automatically according to its displayed billing interval.

Users are responsible for cancelling before the next renewal if they do not wish to continue.

Cancellation and refund are separate concepts.

12. Non-Refundable Subscriptions

Where a subscription is non-refundable:

• the User may still cancel;
• cancellation stops future renewal charges;
• the current billing period is generally not refunded;
• access may continue through the already-paid period where the service remains available; and
• a refund may nevertheless be available under the Creator's refund terms, Skillsnify's 30-day intervention policy, or mandatory law.

This applies whether or not the subscription began with a free trial.

13. Free Trials

Creators may offer free trials.

Before a trial begins, the platform should clearly disclose:

• trial length;
• whether payment details are required;
• price after the trial;
• billing frequency;
• renewal terms;
• cancellation method; and
• applicable refund terms.

If the User cancels before the trial ends, the subsequent recurring charge should ordinarily not occur, subject to platform billing processes.

If the User does not cancel, the subscription may convert to the disclosed paid plan.

14. Paid Trials and Introductory Offers

A Creator may offer a paid introductory period or introductory price.

The checkout information should identify:

• introductory price;
• duration;
• subsequent price;
• renewal date;
• billing frequency;
• cancellation method; and
• refund terms.

15. Monthly Billing

For monthly subscriptions:

1. the disclosed monthly price is charged according to the billing schedule;
2. Users may cancel future renewals;
3. cancellation generally does not refund the current month;
4. the current charge remains subject to applicable refund terms;
5. Skillsnify's 30-day intervention policy may apply; and
6. mandatory legal rights remain unaffected.

16. Cancellation Procedure

Where cancellation is available in the account:

1. sign in;
2. open the relevant Course or Community subscription;
3. select cancellation;
4. follow the confirmation steps;
5. confirm the cancellation; and
6. retain the confirmation.

If the cancellation function fails, contact Skillsnify support before the next renewal where reasonably possible.

Deleting an account does not necessarily cancel an active subscription.

17. Refund Request Procedure

Submit a refund request through the designated Skillsnify support/refund channel.

Provide:

• name;
• account email;
• Course or Community;
• transaction reference;
• purchase date;
• amount paid;
• reason for the request; and
• supporting evidence where applicable.

Skillsnify may request additional information or verify identity.

18. Refund Review

Skillsnify may review:

• transaction records;
• refund terms shown at purchase;
• purchase and request dates;
• access records;
• Course or Community information;
• payment records;
• technical records;
• relevant discussion records;
• evidence from the Student;
• evidence from the Creator;
• previous communications;
• fraud indicators; and
• applicable law.

Skillsnify may contact the Creator during the review.

19. Refund Decisions

Skillsnify may:

• approve a full refund;
• approve a partial refund;
• deny the request;
• issue platform credit;
• restore or replace access;
• refer the matter to the Creator;
• request additional information; or
• provide another appropriate remedy.

A discretionary Skillsnify decision does not remove any statutory right.

20. Partial Refunds

A partial refund may be appropriate where:

• part of a service was delivered;
• only part of a transaction was affected;
• a Community became unavailable part-way through a billing period;
• a Course was materially incomplete;
• a service failure affected only part of the purchase; or
• another partial remedy is reasonable.

Partial refunds are not automatic.

21. Closed or Abandoned Communities

If a Creator permanently closes or abandons a paid Community before the end of a paid access period, Skillsnify may investigate.

Depending on the circumstances, Skillsnify may provide:

• full refund;
• prorated refund;
• platform credit;
• replacement access; or
• another reasonable remedy.

22. Removed Courses or Communities

If Skillsnify removes a paid Course or Community because of serious policy, legal or safety concerns, Skillsnify may determine whether affected Users should receive:

• full refund;
• partial refund;
• alternative access;
• platform credit; or
• another remedy.

23. Refund Processing Time

Once approved, Skillsnify will normally initiate the refund through the relevant payment processor.

The Creator-selected 7/14/30/90-day period is a refund eligibility window, not a promise that the bank will display the funds within that number of days.

After Skillsnify initiates an approved refund, the time for funds to appear may depend on Flutterwave, the receiving bank, card issuer, payment method, currency, weekends, public holidays and other financial-system factors.

24. Flutterwave

Skillsnify uses Flutterwave for payment processing.

Refunds may therefore be processed through Flutterwave or the applicable payment route.

Skillsnify may coordinate with Flutterwave during:

• refunds;
• chargebacks;
• duplicate-payment investigations;
• fraud investigations; and
• payment disputes.

25. Duplicate Charges

If you believe you were charged twice for the same transaction, contact Skillsnify promptly.

Provide the relevant transaction references and evidence.

Skillsnify may investigate with Flutterwave.

26. Unauthorised Transactions

If a transaction was not authorised by you:

1. contact Skillsnify promptly;
2. secure your account;
3. contact your bank/payment provider where appropriate; and
4. provide requested transaction information.

Skillsnify may investigate and coordinate with Flutterwave and other authorised parties.

Fraudulent claims may result in account restrictions where permitted by law.

27. Chargebacks

Skillsnify investigates chargebacks and may coordinate with payment processors.

Users should contact Skillsnify first where appropriate so the matter can be investigated.

Nothing in this Policy prevents a User from exercising lawful rights through a bank, card issuer, payment provider, regulator or court.

28. Refunds and Course Access

Where a full refund is issued, Skillsnify may revoke access to the refunded Course or Community.

Where a partial refund is issued, access may continue according to the approved remedy.

29. Refunds and Certificates

Where a Course refund is issued, Skillsnify may invalidate, withdraw or restrict verification of a certificate associated with the refunded Course.

30. Refunds and Creator Earnings

A refunded transaction may result in an adjustment to the Creator's earnings, including reversal or deduction from future payouts or pending balances.

31. Refunds and Affiliate Commissions

Where a transaction that generated an affiliate commission is refunded, cancelled or charged back, Skillsnify may reverse or adjust the associated affiliate commission.

32. Promotional Purchases

Transactions involving:

• coupons;
• discounts;
• promotional credits;
• affiliate promotions;
• scholarships; or
• introductory pricing

may have additional conditions.

Where a refund is approved, it will generally reflect the amount actually paid, not an undiscounted list price.

33. Free Courses and Communities

There is normally no monetary refund for a free Course or Community because no purchase price was paid.

Access may nevertheless be removed or restricted for legitimate platform, Creator or legal reasons.

34. AI Credits

AI Credits may have separate purchase conditions.

For a refund request, Skillsnify may consider:

• whether Credits were used;
• whether the transaction was duplicated;
• whether a platform error occurred;
• whether the transaction was unauthorised;
• whether the AI service was unavailable;
• payment-provider requirements; and
• applicable law.

Unused Credits may be treated differently from consumed Credits.

All AI Credits expire. Bought and welcome Credits are held in one balance that expires 30 days after the most recent top-up; Credits included with a subscription reset at the end of each billing period. Credits that have lapsed are not refundable, except where a refund is required by law.

35. Refund Fraud and Abuse

Users must not:

• make false refund claims;
• falsely claim non-delivery;
• fabricate evidence;
• create multiple accounts to exploit refunds;
• repeatedly purchase and refund Courses to obtain free access;
• abuse trials;
• manipulate promotions; or
• make fraudulent chargebacks.

Skillsnify may restrict or terminate accounts involved in serious or repeated abuse, subject to law.

36. Repeated Refund Requests

Skillsnify may review unusual patterns of refund activity to identify fraud, abuse or trial/promotion manipulation.

This does not prevent legitimate refund requests.

37. Currency and Exchange Rates

Where a refund crosses currencies, the amount ultimately received may differ because of exchange rates, bank charges, intermediary fees, payment-provider conversion and other financial charges.

Skillsnify cannot guarantee the exact converted amount received.

38. Taxes

Where applicable, taxes included in an eligible transaction will be handled according to the transaction and applicable law.

Creators and Users remain responsible for their own tax obligations.

39. Creator Responsibilities

Creators must:

1. select accurate refund settings;
2. clearly disclose refund terms;
3. clearly disclose subscription renewal terms;
4. clearly disclose trial conversion terms;
5. honour their stated refund terms;
6. provide Courses and Communities substantially as advertised;
7. cooperate with Skillsnify investigations;
8. avoid misleading refund claims; and
9. comply with applicable consumer-protection law and Skillsnify policies.

40. Student Responsibilities

Students should:

1. review refund terms before purchasing;
2. check whether the offering is refundable;
3. check the refund period;
4. check subscription renewal information;
5. cancel before renewal when they do not want another billing period;
6. retain transaction records;
7. submit accurate refund information;
8. provide evidence when reasonably requested; and
9. avoid fraudulent refund or chargeback claims.

41. Skillsnify Responsibilities

Skillsnify will seek to:

• disclose material refund information;
• provide cancellation mechanisms for recurring services;
• administer Creator refund settings;
• investigate qualifying complaints;
• coordinate with Flutterwave;
• review serious Course and Community issues;
• process approved refunds through the appropriate payment channel;
• maintain transaction records;
• address refund abuse; and
• comply with applicable law.

42. Transparent Checkout Disclosure

For each paid Course or Community, Skillsnify should display before payment, where applicable:

• price;
• currency;
• one-time or recurring status;
• billing frequency;
• trial length;
• renewal price;
• renewal timing;
• refund status;
• refund period;
• cancellation method;
• material refund conditions.

Examples:

The displayed wording must accurately reflect the Creator's actual settings.

43. Complaints and Escalation

If a refund request is denied and the User believes the decision is incorrect, the User may request an internal review through Skillsnify's support or complaints channel.

The User should provide the original request, transaction reference, relevant evidence and requested resolution.

Consumers retain any applicable rights to seek regulatory or judicial remedies. The FCCPC provides a consumer complaint process through its official channels. citeturn0search2turn0search0

44. No Waiver of Legal Rights

Nothing in this Policy:

• removes a mandatory consumer right;
• prevents a lawful complaint;
• prevents regulatory action;
• excludes liability that cannot legally be excluded; or
• makes a Creator's or Skillsnify's contractual terms superior to mandatory law.

45. Governing Law

Subject to mandatory consumer laws applicable to a particular transaction, this Policy is governed by the laws of the Federal Republic of Nigeria.

Mandatory laws of another jurisdiction may apply where required.

46. Changes to This Policy

Skillsnify may update this Policy from time to time.

Material changes may be communicated through email, platform notifications, website notices or other appropriate methods.

Changes generally apply prospectively and do not automatically remove rights already attached to completed transactions.

47. Contact

Skillsnify Technologies
Adonike Compound, Umuogu Okija,
Anambra State, Nigeria

Website: https://www.skillsnify.com/

Phone: +234 902 036 7617

Refund/Support Email: info@skillsnify.com

Legal/Complaints Email: info@skillsnify.com

48. Document Control

Document: Skillsnify Technologies Refund, Return & Cancellation Policy
Version: 1.0
Effective Date: 19 September 2026
Last Updated: 19 September 2026
Primary Jurisdiction: Nigeria, subject to mandatory laws applicable to particular transactions