Refund Policy

Last updated: 9/22/2026

We want you to be confident in your purchase. This policy sets out when a refund is available and how to request one. It applies to all purchases made through this site.

Pre-recorded courses

Full refund within 7 days of purchase, provided you have completed no more than 20% of the lessons and have not downloaded the course materials in bulk.
After 7 days, or beyond 20% completion, the purchase is non-refundable because the content has been substantially delivered.

Live online cohorts

Full refund if you cancel 14 or more days before the cohort start date.
50% refund if you cancel between 13 and 7 days before the start date.
No refund within 7 days of the start date, but you may transfer once to the next quarterly cohort free of charge.

In-person cohorts (Dubai)

The $500 seat deposit is refundable up to 30 days before the cohort start date, then non-refundable as the seat is held for you.
Balance paid: full refund if you cancel 30 or more days before the start; 50% between 29 and 14 days; no refund within 14 days.
One free transfer to a later cohort is allowed if requested at least 14 days before the start.
If we cancel or reschedule a cohort, you receive a full refund or a free transfer — your choice.

All-Access Membership

Full refund within 14 days of purchase if you have completed no more than 10% of any course.
After 14 days the annual term is non-refundable. You may cancel renewal at any time; access continues to the end of the paid year.

Not refundable

Certificates already issued, and printed or shipped materials already dispatched.
Purchases where course access has been shared, resold or redistributed in breach of our Terms.

How to request a refund

Email spujahgrow@gmail.com with your name, the email used at purchase, the course or membership, and the reason. We acknowledge within 3 working days and decide within 10 working days. Approved refunds are returned to the original payment method, usually within 5–10 working days depending on your bank.

Payments and currency

Payments are processed securely by our payment provider on behalf of Spujah. Refunds are made in the original currency; exchange-rate differences and bank charges are outside our control.

Your statutory rights

Nothing in this policy limits any statutory consumer rights you have in your own country. If you believe a refund was wrongly refused, use our Complaints Handling Policy.