Refund and Cancellation Policy

General Provisions

This Refund and Cancellation Policy (the "Policy") governs the terms of service cancellation and refund requests for online courses, educational programs, and digital materials (collectively, the "Services") provided by “Universal School of Negotiation” (Konstantin Selianin, Osek Patur, Licensed Dealer registration number 347495384) (“we”, “us”, or “our”) via our website https://usnexpert.com to our users and students (“you” or “your”).
By purchasing our Services, you explicitly agree to the terms outlined in this Policy.

Cancellation Terms

• Student Cancellation: You may request to cancel your enrollment in an online course at any time by contacting us via email at usn.haifa@gmail.com
• Access Upon Cancellation: If you cancel your course and are not eligible for a refund under Section 3, you will retain access to the purchased educational materials for the duration specified in your course plan.
• Company Cancellation: If we cancel or indefinitely postpone a scheduled live course or webinar, you will be entitled to a 100% refund of the amount paid.

Refund Eligibility & 7-Day Window

We offer a strict 7-day refund guarantee from the exact date of purchase, subject to the following technical and consumption conditions:

• Pre-Recorded/On-Demand Courses: You are eligible for a full refund within seven (7) days of purchase only if you have accessed, viewed, or streamed less than 10% (or 1 module) of the total course content, and have not downloaded any attached materials (PDFs, templates, etc.).
• Live Webinars & Cohorts: If the course involves live sessions, a refund request must be submitted at least twenty-four (24) hours before the first live session begins.
• Forfeiture of Refund: If you have consumed more than 10% of the content, finished the first module, or downloaded the course materials within the 7-day window, the Service is legally deemed fully rendered, and no refund will be issued.
• Expired Window: No refund requests will be accepted or processed after seven (7) days from the date of purchase for any reason.

International Consumer Protections & Local Laws

We respect local consumer protection laws across our global student base. The following specific clauses apply based on your tax residency or location:

• European Union (EU) & United Kingdom (UK): Under the EU/UK consumer laws, you have a statutory 14-day Right of Withdrawal. However, for digital content and online services, you expressly consent and acknowledge that by logging into the platform, playing the first video, or downloading materials, you request immediate performance of the contract and thereby waive your statutory 14-day right to a refund.
• Israel: In accordance with the Israeli Consumer Protection Law, cancellations for distance selling of educational services are permitted within 14 days of purchase, provided the service has not started. However, since digital goods/services are immediately downloadable or streamable, the start of content consumption constitutes a waiver of this right. Any legally mandated refund may be subject to a cancellation fee of 5% or ILS 100 (whichever is lower).
• United States, Canada, Australia & Global: All sales are final outside of our 7-day refund window. Services are provided on an "As Is" and "As Available" basis without any implied warranties of merchantability or fitness for a particular educational outcome.

Non-Refundable Items & Fees

The following items and fees are strictly non-refundable:

• Bank transfer, credit card processing fees, or third-party payment gateway charges (e.g., Stripe, PayPal, local acquirers) incurred during the initial transaction.
• Subscription fees for recurring educational access once the billing cycle has started.
• Discounted packages, promotional sales, or courses purchased using custom promotional codes, unless required by local law.

How to Request a Refund

To formally request a refund, you must follow this procedure:

1. Send an email to usn.haifa@gmail.com
2. Use the subject line: "Refund Request – [Your Full Name] – [Course Name]".
3. Include your purchase receipt, transaction ID, and the email address associated with your student account.
4. Briefly state the reason for your request (used for internal quality control).

Processing and Credit Issuance

We respect local consumer protection laws across our global student base. The following specific clauses apply based on your tax residency or location:

• Review Period: We will review your consumption metrics and eligibility within five (5) to seven (7) business days of receiving your email request.
• Approval/Denial: You will receive a written notification stating whether your request was approved or denied based on Section 3 criteria.
• Payout: Approved refunds will be issued back exclusively to the original payment method. Please allow seven (7) to fourteen (14) business days for the funds to appear on your bank statement, depending on your financial institution.

Contact Details

For any questions regarding this Policy, please reach out to us:

• Company Name: Universal School of Negotiation
  Konstantin Selianin, Osek Patur, Licensed Dealer registration number 347495384
• Email: usn.haifa@gmail.com
• Physical/Mailing Address: 32a, Jean Jaures, Haifa, Israel