1. Overview

This Refund & Cancellation Policy ("Policy") explains the circumstances under which subscription fees paid to Atlas Academy, operated by Atlas Aegis (registered in the Republic of Kenya under registration number BN-KDS37Z9Z), may be refunded or a subscription cancelled. This Policy forms part of, and should be read together with, our Terms and Conditions and Privacy Policy.

By purchasing a subscription or premium access tier on the Platform, you acknowledge and agree to the terms of this Policy.

2. Nature of the Service

Atlas Academy provides digital educational content, including structured courses, strategy roadmaps, DeepDive modules, and community access, delivered instantly upon payment confirmation. Because access to digital content is granted immediately and cannot be "returned" in the way a physical good can, refund eligibility is necessarily limited and is assessed on the basis set out below.

3. General Refund Policy

• Subscription fees are billed in advance for the applicable billing period (e.g. monthly, quarterly, or annually, as selected at checkout).
• Once a billing period has commenced and platform access has been granted, fees for that period are generally non-refundable, except as expressly set out in this Policy or as required by applicable consumer protection law.
• Cancelling a subscription stops future billing but does not, by itself, entitle you to a refund of the current or any prior billing period.

4. Circumstances Eligible for a Refund

We will consider a refund request in the following circumstances:

• Duplicate Payment: You were charged more than once for the same subscription period due to a technical or processing error.
• Unauthorised Transaction: A payment was made without your authorisation and is confirmed as such by our payment processor's fraud/dispute process.
• Failure to Deliver Access: You paid for a premium tier but were not granted the corresponding platform access due to a fault on our part, and the issue was not resolved within a reasonable time after being reported.
• Within 48 Hours of First Purchase: If you request a refund within forty-eight (48) hours of your first-ever premium purchase, and you have not substantially accessed the paid content (e.g. completed modules, downloaded materials, or claimed certificates), we will consider the request on a case-by-case basis.

Refund requests outside these circumstances, including requests based solely on a change of mind, dissatisfaction with trading outcomes, or misunderstanding of the Platform's educational (non-advisory) nature, will generally not be approved. Please refer to our Terms and Conditions regarding the educational purpose of the Platform and the assumption of trading risk.

5. How to Request a Refund or Cancel a Subscription

To cancel a subscription or request a refund, contact us using the details in Section 8. Please include:

• The email address associated with your Atlas Academy account
• The date and approximate amount of the transaction
• A brief description of the reason for your request

We aim to acknowledge all refund and cancellation requests within three (3) business days, and to resolve them within thirty (30) days.

6. Processing of Approved Refunds

• Approved refunds are issued to the original payment method used at checkout, via our payment processing partner(s).
• Processing times depend on the payment method and processor and are typically completed within five (5) to fourteen (14) business days of approval.
• Atlas Academy is not responsible for delays caused by your bank, mobile money provider, or card issuer once a refund has been submitted to the payment processor.
• Any transaction or processing fees charged by third-party payment providers (e.g. M-Pesa, card networks) are non-refundable, as these are retained by the respective provider and not by Atlas Academy.

7. Chargebacks and Disputes

If you initiate a chargeback or payment dispute with your bank or payment provider without first contacting us, we reserve the right to suspend or terminate your account while the matter is investigated. We encourage users to contact us directly first, as most issues can be resolved faster this way than through a formal chargeback process.

8. Contact Us

For refund requests, cancellations, or questions about this Policy, contact:

9. Changes to This Policy

We may update this Policy from time to time. Material changes will be reflected by updating the effective date at the top of this document and, where practicable, communicated via in-app notification. Continued use of the Platform after changes take effect constitutes acceptance of the revised Policy.