Effective Date: July 2, 2026

At Cogniminds 360, we are committed to providing high-quality, industry-aligned IT training, certification preparation, learning products, and HR services. We want every learner and client to feel confident in their purchase. This Refund Policy explains when refunds are available, how to request one, and how requests are processed.

By enrolling in a course, purchasing a learning product, or engaging our services, you agree to the terms outlined below.

1. Scope of This Policy

This policy applies to all purchases made through cogniminds360.com, including:

• Live Instructor-Led Training (e.g., CISSP, AWS, CompTIA, ISACA, ISC2, Cisco, and other certification cohorts)
• 1-on-1 Online Training
• Self-Paced / On-Demand Courses
• Learning Products (toolkits, templates, workbooks, and downloadable guides)
• Free Security Awareness Sessions and other free workshops (not applicable, as no payment is collected)
• HR Sourcing and HR Consulting Services

Where a specific course, product, or service listing includes different refund terms at the time of purchase, those terms will take precedence over this general policy.

2. Live Instructor-Led Training (Cohort-Based Courses)

Our scheduled cohort courses (e.g., CISSP, CISA, CISM, CompTIA, AWS, Cisco, ISACA tracks) follow the refund terms below.

2.1 Cancellation Before the Course Start Date

• 7 or more calendar days before the scheduled start date: Full refund, minus any payment gateway or transaction processing fees.
• Less than 7 calendar days before the scheduled start date: 50% refund of the course fee.
• Within 48 hours of the scheduled start date: No refund is available; however, you may request a one-time transfer to a future cohort of the same course, subject to availability (see Section 5).

2.2 Cancellation After the Course Has Started

• No refunds will be issued once a course has commenced and the first live session has been delivered, regardless of attendance.
• If you are unable to continue, you may request a transfer to a future cohort in accordance with Section 5, subject to seat availability and any applicable rescheduling fee.

2.3 No-Shows

Learners who fail to attend scheduled live sessions without prior written notice to Cogniminds 360 are not entitled to a refund, credit, or make-up session for the missed session(s).

2.4 Course Cancellation or Rescheduling by Cogniminds 360

If Cogniminds 360 cancels or postpones a cohort prior to its start date due to insufficient enrollment, instructor unavailability, or other operational reasons, you will be offered one of the following, at your choice:

• A full refund of the amount paid, or
• Enrollment in an alternative course of equivalent value, or
• Placement in the next available cohort of the same course, at no additional cost.

3. Self-Paced / On-Demand Courses

Because self-paced courses provide immediate and ongoing access to course content upon purchase:

• Refund requests must be submitted within 7 days of purchase, and only if less than 20% of the course content has been accessed or downloaded.
• Once more than 20% of the content has been accessed, or after 7 days from purchase (whichever comes first), the purchase becomes non-refundable, as the learner has had substantial opportunity to evaluate the material.
• Access credentials, once issued, remain your responsibility; sharing of login access disqualifies a refund request.

4. Learning Products (Toolkits, Templates, Workbooks, Downloadable Guides)

Digital learning products (e.g., the HR Competency Toolkit) are delivered instantly upon purchase.

• Due to the instant, downloadable nature of these products, all sales of digital learning products are final and non-refundable, except in the following cases:
  • You were charged an incorrect amount.
  • The file(s) delivered were corrupted, inaccessible, or materially different from what was advertised.
  • You were charged more than once for the same product (duplicate payment).

In these cases, contact us within 7 days of purchase with your order details, and we will issue a full refund or provide a corrected file, at our discretion.

5. Transfers and Rescheduling

As an alternative to a refund, you may request to transfer your enrollment to a different cohort or course of equal or lesser value:

• Transfer requests must be submitted at least 48 hours before your original course start date.
• One free transfer is permitted per enrollment. Subsequent transfer requests may incur an administrative fee of up to 10% of the course fee.
• Transfers are subject to seat availability in the requested cohort.
• If the new course is of lesser value, the difference will be issued as credit toward a future purchase; it will not be refunded in cash.

6. Certification Exam Fees and Third-Party Costs

Where a course fee includes or references third-party certification exam vouchers (e.g., ISC2, ISACA, CompTIA, AWS, Cisco), please note:

• Exam voucher costs are non-refundable once the voucher has been issued or redeemed, as these are governed by the respective certifying body’s own policies.
• Cogniminds 360 is not responsible for, and cannot refund, exam fees paid directly to a certification body outside of our platform.

7. Payment Errors and Duplicate Charges

If you believe you were:

• Charged an incorrect amount,
• Charged more than once for the same course or product, or
• Charged after successfully cancelling an enrollment,

please notify us in writing within 14 days of the transaction date. Once verified, we will refund the incorrect or duplicate amount in full within 30 days of verification.

8. HR Sourcing and HR Consulting Services

Refunds for HR Services (talent search & sourcing, screening & assessment, HR consulting, workforce planning) are handled on a case-by-case basis in accordance with the specific service agreement or statement of work signed with the client, since these are customized, milestone-based engagements. Generally:

• Retainer or advisory fees for work already performed (including research, sourcing, screening, or consulting hours delivered) are non-refundable.
• Any unearned/unused portion of a prepaid retainer, where the engagement is terminated before work begins, may be refunded at Cogniminds 360’s discretion, less any administrative costs already incurred.
• Specific refund terms, if any, will be set out in your signed service agreement, which will take precedence over this general policy.

9. Non-Refundable Circumstances

Refunds will not be provided in the following situations:

• Failure to attend live sessions without prior notice (no-shows).
• Failure to pass quizzes, assessments, or certification exams.
• Failure to complete identity verification or eligibility requirements for a certifying body.
• Dissatisfaction based on personal scheduling conflicts communicated after the transfer/cancellation window has passed.
• Requests submitted after the applicable deadlines outlined in this policy.
• Circumstances arising from force majeure events (e.g., natural disasters, government restrictions) that prevent course delivery; in such cases, Cogniminds 360 will offer rescheduling or credit rather than a cash refund, unless otherwise required by law.

10. How to Request a Refund

To request a refund, transfer, or report a billing issue:

1. Email info@cogniminds360.com with the subject line: “Refund Request – [Course/Product Name]”.
2. Include your full name, order/transaction ID, date of purchase, course or product name, and the reason for your request.
3. Attach proof of payment (receipt or invoice) where available.

You may also call us at +971 56 623 1167 for assistance, though all refund requests must be confirmed in writing by email for processing.

11. Processing Time

• We aim to acknowledge all refund requests within 2 business days of receipt.
• Approved refunds are processed within 10–15 business days and issued to the original payment method used at checkout.
• Depending on your bank or card issuer, it may take additional time for the refunded amount to reflect in your account or statement.
• Cogniminds 360 is not responsible for delays caused by your bank, card issuer, or payment gateway.

12. Method of Refund

All approved refunds will be credited back via the original payment method (credit/debit card, bank transfer, or the payment gateway used at checkout). We do not issue refunds in cash or to a different account/card than the one used for the original purchase.

13. Chargebacks and Disputes

We ask that you contact us directly at info@cogniminds360.com before filing a chargeback or payment dispute with your bank or card provider, so we can try to resolve the issue promptly. Learners who initiate a chargeback without first contacting us may have their course access suspended while the matter is investigated, and Cogniminds 360 reserves the right to contest unwarranted chargebacks.

14. Changes to This Policy

Cogniminds 360 reserves the right to update or modify this Refund Policy at any time. Changes will be posted on this page with a revised “Effective Date.” Continued use of our courses, products, or services after changes are posted constitutes acceptance of the updated policy. Any course-specific terms presented at the time of registration that conflict with this general policy will govern for that specific purchase.

15. Contact Us

If you have any questions about this Refund Policy, please reach out to us:

Cogniminds 360 📧 Email: info@cogniminds360.com 📞 Phone: +971 56 623 1167 🌐 Website: https://cogniminds360.com

This Refund Policy is provided for general informational purposes and does not constitute legal advice. Cogniminds 360 recommends reviewing course-specific terms and conditions presented at the time of registration.