Refund Policy

1. Overview

This Refund Policy explains the circumstances under which refunds may be issued for any future paid products or services offered by Nordive ("we," "our," or "us").

Company Information:

• Business Name: Nordive
• Registration Number: 86838970
• Address: 77 Kuvalis Turn Lake Corinestad, VIC 2972, Netherlands
• Email: [email protected]
• Phone: +6798440005

2. Current Free Services

As of the effective date of this policy, Nordive offers the following free services:

• Access to all website content and articles
• Educational blog posts about financial discipline
• White papers and informational resources
• Newsletter subscriptions
• Contact and inquiry services

Since these services are provided free of charge, no refunds are applicable.

3. Future Paid Services (If Applicable)

Should we introduce paid products or services in the future, the following refund terms will apply:

3.1 Digital Products and Educational Courses

If we offer paid digital products (e-books, courses, premium content):

• Refund Period: Requests must be made within 14 days of purchase
• Eligibility: Refunds are available if you have accessed less than 20% of the content
• Non-Refundable: Once you have completed or accessed more than 20% of the content, sales are final
• Reason Required: You must provide a brief explanation for the refund request

3.2 Subscription Services

If we offer subscription-based premium content:

• Monthly Subscriptions: Refunds available within 7 days of initial subscription or renewal if services have not been substantially used
• Annual Subscriptions: Refunds available within 30 days of initial purchase if services have not been substantially used
• Pro-Rated Refunds: After the refund period, cancellations will stop future billing but no refund will be provided for the current period
• Cancellation: You may cancel at any time, but cancellation does not automatically entitle you to a refund

3.3 Consulting or Advisory Services

Important: Nordive does not currently offer and does not plan to offer personalized financial advice, investment consulting, or fund management services. We are an educational platform only.

If we were to offer general educational consulting in the future:

• Refund Period: Requests must be made within 48 hours of the scheduled session
• Cancellation: Sessions cancelled at least 24 hours in advance will receive full refund
• No-Show: No refunds for missed sessions without prior notice

4. Refund Exclusions

The following are generally not eligible for refunds:

• Free content, articles, or resources
• Promotional or discounted items marked as "non-refundable"
• Services that have been fully delivered or consumed
• Purchases made more than 30 days ago (unless otherwise specified)
• Costs incurred due to your own technical issues or incompatibility
• Dissatisfaction with educational content after substantial use
• Change of mind after the refund period has expired

5. How to Request a Refund

If paid services are introduced and you believe you are eligible for a refund, please follow these steps:

Step 1: Contact Us

Email us at [email protected] with the following information:

• Your full name and contact information
• Order number or transaction ID
• Date of purchase
• Product or service purchased
• Detailed reason for refund request
• Any supporting documentation (if applicable)

Step 2: Review Process

We will review your request within 5-7 business days and notify you of our decision via email.

Step 3: Refund Processing

If approved, refunds will be processed within 10-14 business days to your original payment method.

6. Refund Methods

Approved refunds will be issued using the following methods:

• Original Payment Method: Refunds will be returned to the original payment method used for purchase
• Credit Card: May take 5-10 business days to appear on your statement
• PayPal: Typically processed within 3-5 business days
• Bank Transfer: May take 7-14 business days depending on your bank

We do not offer refunds in the form of store credit or alternative payment methods unless explicitly agreed upon.

7. Partial Refunds

In certain situations, we may offer partial refunds at our discretion:

• If you have consumed or accessed a portion of the product or service
• If there were technical issues affecting only part of the service
• For subscription services cancelled mid-period (pro-rated)
• In cases where full refund would be inappropriate but partial refund is fair

8. Chargebacks and Disputes

If you initiate a chargeback or payment dispute with your bank or credit card company:

• We encourage you to contact us first to resolve the issue directly
• Chargebacks initiated without attempting resolution with us may result in suspension of services
• We reserve the right to dispute illegitimate chargebacks
• You may be required to provide documentation supporting your claim

Please note that chargeback processes may take longer than our standard refund process and may incur additional fees from your financial institution.

9. Technical Issues

If you experience technical problems with our Site or any future paid services:

• Contact us immediately at [email protected] describing the issue
• We will work to resolve technical problems within a reasonable timeframe
• If we cannot resolve the issue, a refund may be provided at our discretion
• Technical issues caused by your equipment or internet connection are not grounds for refund

10. Satisfaction Guarantee

When we introduce paid offerings, we are committed to your satisfaction. If you are not satisfied with a purchase:

• Contact us within the applicable refund period
• Provide specific feedback about why the product or service did not meet your expectations
• We will work with you to address concerns, which may include refunds, replacements, or modifications

Our goal is to ensure you receive value from our educational resources, even if that means issuing a refund.

11. Important Disclaimer

Nordive is an educational platform focused on financial discipline principles. We do not provide financial advice, investment recommendations, or fund management services.

Any future paid offerings would be educational in nature and would not constitute:

• Professional financial or investment advice
• Guaranteed financial results or outcomes
• Personalized financial planning services

Refunds do not imply that our educational content was inaccurate, only that it may not have met your personal expectations or needs.

12. Modification of Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective when posted on this page with an updated "Last Updated" date.

Significant changes will be communicated via:

• Email notification to registered users
• Prominent notice on our website
• Update notification in user accounts (if applicable)

Your continued use of any paid services after policy changes constitutes acceptance of the modified policy.

13. Consumer Rights

This Refund Policy does not affect your statutory rights as a consumer under applicable laws, including:

• Consumer protection laws in your jurisdiction
• European Union consumer rights directives (if applicable)
• Rights to refunds for defective or misrepresented products
• Rights under distance selling regulations

If local laws provide you with greater refund rights than outlined here, those laws will prevail.

14. Fraudulent Activity

We take fraudulent activity seriously. If we detect fraudulent refund requests, we reserve the right to:

• Deny the refund request
• Suspend or terminate your account
• Report fraudulent activity to appropriate authorities
• Take legal action to recover losses

Examples of fraudulent activity include false claims, abuse of refund policies, or chargeback fraud.

15. Questions and Contact

If you have questions about this Refund Policy or need assistance with a refund request, please contact us:

• Email: [email protected] (primary contact method)
• Phone: +6798440005
• Address: 77 Kuvalis Turn Lake Corinestad, VIC 2972, Netherlands
• Registration Number: 86838970

We typically respond to refund inquiries within 2-3 business days.

16. Governing Law

This Refund Policy is governed by the laws of the Netherlands. Any disputes arising from this policy or refund requests will be subject to the exclusive jurisdiction of the courts in the Netherlands.