InsightHub

Refund Policy

At InsightHub.ink, we strive to provide high-quality services and ensure customer satisfaction. As a platform dedicated to supporting students, educators, and learners, we understand the importance of fair and transparent refund policies. This Refund Policy outlines the terms and conditions under which refunds may be issued for our services.

1. Refund Eligibility

Refunds may be considered under the following circumstances:

  • Service Not Delivered: If we fail to deliver the purchased service within the specified timeframe
  • Service Defect: If the delivered service does not meet the specifications or quality standards described at the time of purchase
  • Duplicate Payment: If you are charged multiple times for the same service
  • Unauthorized Transaction: If a payment was made without your authorization
  • Technical Issues: If a technical error on our part prevents service delivery

2. Non-Refundable Services

The following services and circumstances are generally not eligible for refunds:

  • Completed Services: Services that have been fully delivered and completed
  • Partially Delivered Services: Services that have been partially delivered (partial refunds may be considered on a case-by-case basis)
  • User Error: Refunds will not be issued for errors made by the customer (e.g., incorrect account information, wrong service selection)
  • Platform Policy Violations: Services that result in account penalties due to violations of platform policies (YouTube, Instagram, TikTok, etc.)
  • Change of Mind: Refunds will not be issued simply because you changed your mind after purchase
  • Third-Party Actions: Refunds will not be issued for actions taken by third parties (e.g., social media platforms removing content)

3. Refund Request Process

3.1 How to Request a Refund

To request a refund, please follow these steps:

  1. Contact our support team at support@insighthub.ink or through our support system
  2. Provide the following information:
    • Order number or transaction ID
    • Date of purchase
    • Service purchased
    • Reason for refund request
    • Supporting documentation (if applicable)
  3. Our support team will review your request and respond within 2-5 business days

3.2 Refund Request Timeframe

Refund requests must be submitted within the following timeframes:

  • Undelivered Services: Within 30 days of purchase if service has not been delivered
  • Defective Services: Within 7 days of service delivery
  • Duplicate Payments: Within 90 days of the duplicate transaction

Requests submitted outside these timeframes may not be eligible for refunds.

4. Refund Processing Timeframes

Once a refund is approved:

  • Processing Time: Refunds are typically processed within 5-10 business days
  • Payment Method: Refunds will be issued to the original payment method used for the purchase
  • Bank Processing: Depending on your bank or payment provider, it may take an additional 3-10 business days for the refund to appear in your account

5. Partial Refunds

In some cases, we may issue partial refunds:

  • If a service has been partially delivered
  • If only a portion of the service is defective
  • If there are extenuating circumstances that warrant a partial refund

Partial refunds are determined on a case-by-case basis and will be proportional to the undelivered or defective portion of the service.

6. Chargeback Policy

If you initiate a chargeback with your bank or payment provider without first contacting us, we reserve the right to:

  • Dispute the chargeback with supporting documentation
  • Suspend or terminate your account
  • Refuse future service

We strongly encourage you to contact us first to resolve any issues before initiating a chargeback. We are committed to resolving disputes fairly and promptly.

7. Refund Methods

Refunds will be processed using the same payment method used for the original purchase:

  • Credit/Debit Cards: Refunds will be credited back to the original card
  • PayPal: Refunds will be returned to your PayPal account
  • Other Payment Methods: Refunds will be processed according to the payment provider's policies

If the original payment method is no longer available, please contact us to arrange an alternative refund method.

8. Currency and Exchange Rates

Refunds will be issued in the same currency as the original purchase. If currency conversion is involved, the refund amount will be based on the exchange rate at the time of the refund, which may differ from the original purchase rate.

9. Service-Specific Refund Terms

9.1 SMM Services

For our social media marketing services:

  • Refunds may be considered if services are not delivered within the specified timeframe
  • Refunds will not be issued if services are delivered but later removed by the platform (this is outside our control)
  • If services are partially delivered, partial refunds may be considered

9.2 FinTrack Services

For FinTrack subscription services:

  • Monthly subscriptions: Refunds may be issued for unused portions if cancelled within 7 days of purchase
  • Annual subscriptions: Refunds may be issued for unused months if cancelled within 30 days of purchase

10. Dispute Resolution

If you are not satisfied with our refund decision, you may:

  • Request a review by our management team
  • Provide additional documentation or evidence to support your case
  • Contact us at legal@insighthub.ink for further assistance

11. Contact Information

For refund requests or questions about this policy, please contact us:

12. Updates to This Policy

We may update this Refund Policy from time to time. We will notify you of any material changes by:

  • Posting the updated policy on this page
  • Updating the "Last updated" date
  • Sending you an email notification (for significant changes)

13. Related Policies

This Refund Policy should be read in conjunction with our:

Last updated: January 15, 2025