Refund Policy

The Cyber Ledger ("TCL", "Company", "we", "us", or "our") is committed to delivering high-quality cybersecurity education, professional development programs, and managed security services. In recognition of the predominantly digital and time-sensitive nature of our offerings, refund eligibility is strictly limited and subject to the specific conditions outlined in each applicable section of this Policy.

All refund determinations are made at TCL's sole and reasonable discretion. Submission of a refund request does not guarantee approval. Where a refund is approved, it will be credited exclusively to the original payment method used at the time of purchase.

By completing enrollment in any live cohort program, you expressly acknowledge and accept that your payment is final and non-refundable, and that you have independently verified your availability and commitment prior to enrolling.

Approved subscription refunds will result in immediate deactivation of the subscription and revocation of all associated access and entitlements upon processing.

Professional consulting and managed security service engagements are scoped, priced, and billed on the basis of time, resources, and effort committed by TCL. The following conditions apply:

• No refund shall be issued for any engagement in which work has commenced, regardless of the proportion of work completed at the time of the refund request
• Where a formal written cancellation request is received prior to commencement of any billable work, a partial refund may be considered at TCL's sole discretion, net of any administrative or preparatory costs already incurred
• Engagements governed by a separate Statement of Work ("SOW"), Master Services Agreement ("MSA"), or other executed contract shall be subject to the refund and cancellation terms stipulated in those documents, which shall supersede this Policy where applicable

To be considered for a refund under this Policy, all of the following conditions must be satisfied at the time of the request:

• The refund request must be submitted within the applicable eligible window as specified for the relevant product or service category in this Policy
• The relevant service, content, or deliverable must not have been fully or substantially delivered, accessed, or consumed
• The account associated with the purchase must be in good standing and must not be subject to any active suspension, restriction, or investigation for policy violations
• The request must not be associated with, or arise from, any misuse, abuse, fraudulent activity, or breach of TCL's Terms of Service or Acceptable Use Policy
• The original purchase must have been made directly through TCL's official platform; purchases made through third-party resellers or partners are subject to the refund policies of the respective third party

Notwithstanding any other provision of this Policy, refunds shall not be issued under the following circumstances:

• The requested service, course, lab, or digital content has been fully delivered or accessed
• The refund request relates to a live cohort enrollment, regardless of attendance or circumstances
• The subscription refund request is submitted beyond the 24-hour activation window
• The request arises from a change of mind, shift in personal or professional priorities, or failure to utilise purchased access within any validity period
• The account has been suspended or terminated due to a breach of TCL's Terms of Service or Acceptable Use Policy
• The purchase was made through a third-party platform, reseller, or promotional bundle not administered directly by TCL
• The refund request is accompanied by, or is suspected to be associated with, a chargeback initiated without prior engagement with TCL's support team

TCL reserves the right to revise, amend, or replace this Policy at any time at its sole discretion. The "Last Updated" date at the top of this document will reflect the most recent revision. Where material changes are introduced, TCL will use reasonable efforts to notify registered users via platform notification or registered email.

Your continued use of TCL's platform or services following the publication of any updated Policy constitutes your binding acceptance of the revised terms. If you do not agree to the amended Policy, you must discontinue use of the platform and notify TCL in writing prior to your next billing date or service engagement.

All refund requests, policy enquiries, and formal correspondence relating to this Policy must be directed in writing to:

This Policy is provided for informational and transactional clarity purposes only and does not constitute legal advice. Nothing herein limits any statutory rights you may hold under applicable consumer protection legislation. TCL recommends that users with specific legal concerns seek independent legal counsel.