This Refund / Cancellation Policy is issued by ZenX Academy as the institutional provider of digital services and content.

Payment processing for purchases made through ZenX Academy is conducted by Paddle or Polar, which may act as independent payment processors or merchants of record under their respective regulatory obligations. Their policies operate alongside this document.

This policy governs refund and cancellation conditions applicable to:

• Digital access services
• Subscriptions
• Institutional content and digital materials
• One-time digital purchases

It applies to users, subscribers, and purchasers interacting with ZenX Academy's systems.

The policy is aligned with EU consumer protection law and applies globally, subject to mandatory local legal requirements.

This document establishes the institutional framework governing refunds, cancellations, and related conditions. It operates as a binding component of ZenX Academy's governance system and must be interpreted consistently with other institutional policies and applicable EU legislation.

Definitions are provided only where necessary for legal clarity:

• Digital Services: Access-based services delivered electronically by ZenX Academy.
• Subscription: Recurring access subject to periodic billing.
• One-Time Purchase: Non-recurring acquisition of digital access or content.
• Payment Processor: Paddle or Polar as independent entities managing payment workflows.

ZenX Academy provides digital access to institutional content, systems, and subscription-based services. Access may begin immediately upon purchase, which can affect statutory withdrawal rights under EU law.

Refunds are handled in accordance with:

• EU consumer protection rules
• Digital services and digital content regulations
• The operational requirements of Paddle and Polar

Refunds are evaluated based on the type of purchase, the status of access, and the legal conditions governing digital content delivery.

Under Directive 2011/83/EU, consumers may have a statutory right to withdraw from certain contracts within 14 days.

However, for digital content or digital services that begin immediately upon purchase after explicit consent to immediate access, the right of withdrawal may not apply.

Withdrawal rights do not apply when:

• The user has been granted immediate digital access following purchase
• The user has explicitly acknowledged loss of withdrawal rights prior to access
• Access-based or consumption-based digital content has already been utilized

These exceptions align with EU digital content provisions.

Refund requests are assessed based on:

• Whether the statutory withdrawal right applies
• Whether access or content has already been provided
• Compliance with Paddle or Polar verification procedures
• Absence of abusive or fraudulent behavior
• Conformity with institutional usage rules

ZenX Academy reserves the right to deny refund requests that do not meet the legal or institutional criteria outlined in this policy.

Refunds, when granted, are processed through Paddle or Polar using their operational workflows and timeframes.

ZenX Academy does not control the duration required by financial intermediaries, banks, or card issuers to complete a refund.

Paddle and Polar may act as:

• Independent payment processors
• Merchants of record

All refund and cancellation transactions processed through them must comply with their respective terms, verification requirements, and regulatory obligations.

ZenX Academy does not override or circumvent processor obligations.

Refunds are issued using the original payment method wherever technically possible.

Currency conversions, exchange rate differences, and international banking fees fall under the responsibilities of the payment processor and financial institutions involved.

ZenX Academy may restrict or deny refunds in cases involving:

• Misuse of refund rights
• Repeated refund requests inconsistent with normal use
• Fraud, chargeback abuse, or policy violations
• Attempts to access digital content after requesting a refund

Such restrictions operate within legal limits and institutional enforcement standards.

This policy forms part of ZenX Academy's institutional governance structure.

Interpretation aligns with:

• EU consumer protection requirements
• Digital content and digital services regulations
• The institutional coherence established by ZenX Academy's Policies Page

In the event of conflict, interpretations consistent with regulatory compliance prevail.

ZenX Academy may amend this policy to reflect legal developments, institutional requirements, or changes in operational processes.

Revised versions take effect upon publication.

All refund and cancellation inquiries must be directed to:

This Refund / Cancellation Policy constitutes a formal institutional legal document governing refund and cancellation conditions for all digital services and transactions conducted through ZenX Academy. It must be interpreted within the institutional framework and applicable EU law.