Refund Policy

Effective Date: May 21, 2026  ·  Last Updated: May 21, 2026

This Refund Policy ("Policy") applies to all purchases of products and services ("Services") from 13810682 Canada Inc., doing business as "Informed & Invested" and "Modern Value Investor" (referred to as "we," "us," "our," or the "Company") through the websites located at informedandinvested.com, learn.informedandinvested.com, or any related sales channels.

This Policy is incorporated into and forms part of our Terms and Conditions. By making any purchase, you acknowledge that you have read, understood, and agreed to this Policy.

1. General Policy: All Sales Are Final

The Company's Services consist of digital educational content, including but not limited to:

• Online courses and video training
• Live and recorded webinars
• Private community access (Telegram, Discord, or similar platforms)
• Coaching and consultation sessions
• Software access (including the MVI App, when available)
• Written materials, frameworks, and methodologies
• Journal access and analytical content
• Watchlists and educational reference content

These Services involve substantial investment in development, intellectual property, and ongoing delivery. Once access is granted, the educational value has been delivered, and that value cannot be returned or restored to the Company.

2. Why Refunds Are Limited

Refunds are limited because:

• Digital products are delivered immediately, providing instant value upon access
• Intellectual property cannot be "returned" once viewed or downloaded
• Educational outcomes vary by individual effort, application, and circumstances beyond the Company's control
• Community access has been granted, allowing exposure to community members and resources

By purchasing, you acknowledge and accept these limitations.

3. No Refund Will Be Issued For

Without limiting the foregoing, no refund will be issued in the following circumstances:

• You decided after purchase not to use the Services
• You did not complete the course, attend scheduled sessions, or use the materials
• You did not achieve the educational or financial outcomes you expected
• You changed your mind about the purchase
• You did not realize what you were purchasing (full descriptions are provided before purchase)
• You found alternative resources elsewhere
• Your personal circumstances changed (life events, financial situation, time availability, etc.)
• You disagree with the methodology or educational content
• You experienced losses or did not achieve gains in your investing activities

4. Exceptions

4.1 Billing Errors

If you believe a billing error has occurred (such as a duplicate charge, incorrect amount, or unauthorized charge), you must notify us within seven (7) days of the transaction date. Contact our support team at [email protected] with:

• Your full name
• Email address used for the purchase
• Date of the transaction
• Amount charged
• Description of the error
• Proof of payment (receipt or bank statement excerpt)

We will investigate billing errors and, where confirmed, issue corrections within ten (10) business days.

4.2 Pre-Access Cancellation

If you have made a purchase but have not yet been granted access to any course materials, recorded content, community platforms, software, or other deliverable Services, you may request a refund within seven (7) days of purchase. Once any access has been granted, no refund will be issued.

"Access" includes, without limitation:

• Receiving login credentials to any course platform
• Being added to any community (Telegram, Discord, or other)
• Receiving any course email containing links to materials
• Attending any live session (in person or virtual)
• Downloading any document or media file
• Activating any software license
• Being granted access to any journal or watchlist content

4.3 Required by Applicable Law

We will provide refunds where required by applicable consumer protection laws that cannot be contractually waived, including:

• Ontario Consumer Protection Act and other applicable Canadian provincial consumer protection laws, where they grant statutory cancellation rights
• Distance selling regulations in jurisdictions that impose mandatory cooling-off periods that apply notwithstanding contractual terms
• Other consumer protection statutes applicable to your jurisdiction that grant non-waivable refund rights

Where mandatory refund rights exist under applicable law, we will comply with the minimum required refund obligation.

4.4 Service Failure

If we materially fail to deliver the Services as described (for example, if a paid course is permanently discontinued and never delivered), we will issue an appropriate refund or credit at our discretion.

5. Refund Process

To request a refund where eligible under Sections 4.1 through 4.4:

Step 1: Email [email protected] with the subject line "Refund Request"

Step 2: Include:

• Your full legal name
• Email address used for purchase
• Order or transaction number
• Date and amount of purchase
• Specific reason for refund request (with reference to which exception applies)
• Proof of payment

Step 3: We will respond within ten (10) business days with our determination.

Step 4: If approved, refunds will be processed within ten (10) business days of approval to the original payment method. Depending on your payment provider, it may take additional time for the refund to appear in your account.

6. Chargebacks and Disputes

If you initiate a chargeback after receiving access to any Service:

• We will provide your payment processor with documentation of your purchase, your acceptance of these Terms, and your access to Services
• Your access to all Services will be immediately suspended pending resolution
• If the chargeback is reversed or denied, we may permanently terminate your access without refund
• We reserve the right to recover any costs incurred in disputing chargebacks, including processor fees and our internal administrative costs
• We may report fraudulent chargebacks to credit reporting agencies, chargeback databases, and law enforcement

7. Subscription and Recurring Payment Cancellation

If you have purchased a Service with recurring billing (such as a monthly or annual subscription):

• You may cancel future renewals at any time by following the cancellation procedure for that specific Service
• Cancellation stops future charges but does not refund any already-charged amounts
• You retain access to the Service for the remainder of any period you have paid for
• We do not pro-rate or refund partial subscription periods

To cancel a subscription, email [email protected] or use any cancellation mechanism provided within the Service.

8. Promotional Pricing and Bundle Purchases

Refund requests for Services purchased at promotional pricing, bundled with other Services, or as part of a multi-tier program are subject to additional restrictions:

• Refunds will be calculated based on the actual amount paid
• Bundled Services cannot be partially refunded
• Bonuses, free Services, or promotional add-ons have no separate monetary value and cannot be refunded
• If a bundle included free Services that were retained, the value of those Services may be deducted from any refund

9. Free Content

Free content provided by the Company (including but not limited to free training videos, newsletters, lead magnets, and blog posts) is offered "as is" with no refund or compensation available, as no payment was made.

10. Pricing Disclosure

Pricing for Services is:

• Displayed at the point of sale (checkout pages, sales pages)
• Confirmed in writing in the purchase confirmation email
• Communicated directly during sales conversations (by phone, video call, or written correspondence)

By completing a purchase, you acknowledge that you reviewed and accepted the price at the time of purchase. Subsequent changes to pricing for other customers do not entitle you to any refund or credit.

11. Currency and Taxes

All prices are in the currency specified at purchase (typically United States Dollars or Canadian Dollars). Currency conversion charges, foreign transaction fees, and similar charges imposed by your payment provider are your responsibility and are not refundable by the Company.

Refunds will be issued in the same currency as the original payment. The Company is not responsible for currency fluctuations between the date of purchase and the date of refund.

12. Receipt and Documentation

Upon successful payment, you will receive an email confirmation that includes:

• Date and time of transaction
• Amount charged
• Description of Services purchased
• Payment method used
• Access instructions

Please retain this confirmation. You will need it for any refund request or future reference.

13. Modifications to This Policy

The Company reserves the right to modify this Refund Policy at any time. Changes will be effective upon posting to the Site, with the updated "Last Updated" date. For purchases made before any modification, the Policy in effect at the time of purchase will apply unless the new Policy is more favorable to you.

14. Governing Law and Dispute Resolution

This Policy is governed by the laws of the Province of Ontario, Canada, and the federal laws of Canada applicable therein. Any disputes arising from this Policy are subject to the dispute resolution provisions of our Terms and Conditions.

15. Contact Information

For all refund requests, billing questions, or related concerns:

Informed & Invested
13810682 Canada Inc.
Email: [email protected]

We aim to respond to all inquiries within five (5) business days.

By making any purchase, you confirm that you have read, understood, and agreed to this Refund Policy.