SPK Trust

Refund & Cancellation Policy

Refund and Cancellation Policy

> SPK Educational Trust relies on this Return and Cancellation Policy to ensure customer satisfaction with every purchase.

SPK Educational Trust's Product Return Policy

> Our return policy for all SPK Educational Trust products and services is as follows:

> SPK Educational Trust will, in its sole and absolute discretion, allow for the return or replacement of any product purchased using our services within 30 days from the date of purchase. For recurring billing products, returns for more than one payment may be provided if requested within the standard 15 day return period.

> Customers requesting a return after 30 days will be required to work directly with the vendor for technical support or customer service. Vendors may request a return, on behalf of a customer, of any purchase up to 30 days after the date of the SPK Educational Trust customer's purchase.

> If a customer requests a return and the return is approved by SPK Educational Trust, the money for the requested transaction is refunded back to the customer, in part or whole. If the return is for a recurring billing product, then the return policy allows for the most recent payment to be refunded. Multiple payment returns can be provided as long as they are within SPK Educational Trust's Return Policy. A return on a recurring billing product will also result in cancellation. Returns will only be credited back to the account used to make the original purchase. If the original account has been closed, the purchase is not eligible for return.

> When a product is returned, the customer generally receives a full refund. Payouts from that sale are debited back out of the corresponding vendor and affiliate accounts. Due to the digital format of SPK Educational Trust products, when a product is returned the customer retains the product and, in many cases, the customer has received a benefit from the product prior to the return. In such cases, SPK Educational Trust reserves the right to issue a refund for less than the full purchase price.

> Our vendors are not permitted to make any guarantee that conflicts with our return policy. If you find a product sold through SPK Educational Trust with any warranty that conflicts with our return policy, please bring it to our attention so that we may take corrective action.

Reasons Why a Purchase May Be Refunded

> SPK Educational Trust has every incentive to keep customers happy by providing quality products and service. To promote customer satisfaction, SPK Educational Trust reserves the right to reverse a sale, including but not limited to the following:

> If the customer provides a valid reason for requesting a return within 30 days of purchase;

> If the vendor of the product requests a return on the customer's behalf within 30 days of purchase if our customer service team confirms there is a valid reason for the return;

> If the customer provides a valid report that the charge was fraudulent or unauthorized;

> For any other reason SPK Educational Trust deems appropriate.

SPK Educational Trust's Cancellation Policy

> A customer may cancel a product with a recurring billing subscription at any time. A cancellation means that no future payments are charged to the customer's account. The cancellation of a recurring billing product does not generate a refund - it will only stop any future payments