Refund Policy

1. General Refund Principles

1.1 What this policy covers

This policy explains when a refund is available for the paid services of All Beginner: Online Mentorship, Private Session and Premium Signals. It also explains how to ask for a refund, how refunds are paid and how long processing takes. The rules for each service are in Sections 2 to 4.

1.2 General rules

Refunds are not automatic. A refund must meet the rules in this policy, and we may ask for reasonable information to verify your payment and your eligibility.

Every refund request has two steps. First, you notify us within the deadline for your service. Second, you submit the Refund Request Form so that we can review and process the refund. Only the notification has a deadline. A notification that is on time does not mean the refund is approved. Section 7 explains both steps.

1.3 Business days and deadlines

A business day is Monday to Friday, excluding official public holidays in Pakistan. Business-day deadlines use Pakistan Standard Time (PKT), and the cutoff time is 6:00 PM PKT. Saturday and Sunday are Support Days, but they are not business days.

We count business days only where a rule says so: payment confirmation (Section 1.4), Private Session cancellations (Section 3), the first-purchase refund window for Premium Signals (Section 4.3), the Premium Signals renewal grace deadline (Section 4.5) and refund processing (Section 9). Online Mentorship does not use business days. It uses actual class days and has its own deadline of 11:59 PM PKT (Section 2.2). Premium Signals subscriptions use calendar months (Section 4.1).

1.4 Confirmation after payment

After we verify your payment, we confirm the Online Mentorship start date and time, the Private Session appointment date and time, or the Premium Signals access arrangement. We do this within a maximum of three business days. This is separate from the refund windows in Sections 2 to 4.

1.5 Support Hours

These are our Support Hours for new and existing customers. All times are in Pakistan Standard Time (PKT).

• Monday to Sunday: 10:00 AM to 6:00 PM
• Official public holidays in Pakistan: Closed

Support Hours apply to general questions, service inquiries, payment questions and normal customer support. They do not control class times. Online Mentorship classes can take place on any day of the week, including Saturday and Sunday, as per the class schedule we agree with you.

Support Hours and refund deadlines are different things. You can send a refund notification outside Support Hours if your service deadline allows it. We review it during the next Support Hours. Even though Support Hours are open seven days a week, Saturday and Sunday are not business days. This matters for the rules that count business days (see Section 1.3) and for refund processing. Online Mentorship is different. It uses actual class days, so Saturday and Sunday count when a class is held (Section 2.2).

2. Online Mentorship Refunds

2.1 Confirmed start date

After your payment is verified, we tell you the date and time your mentorship program starts (see Section 1.4). Your refund options depend on whether you ask before or after this confirmed start.

2.2 When you can request a refund

You may request cancellation and a refund before the confirmed start. After the program has started, you can still request one during its first three actual class days.

A day counts when an Online Mentorship class actually takes place:

• Saturday and Sunday count if a class is held on that day.
• An official public holiday in Pakistan counts if a class is held on that day.
• A day with no class does not count, and a day does not count just because it appears on the calendar.
• If you miss a class, your deadline does not move.

To be on time, you must notify us no later than 11:59 PM PKT on the same calendar date as the third actual class day. A notification received on the next calendar date is late and is not eligible under this refund window. You can send it outside Support Hours, and we use the date and time we received it. You can submit the refund form afterward (Section 7.2). If you are on time, you receive a full refund, even if you attended all three classes. We do not deduct the price of classes you attended. Only the actual outgoing transfer fee may be deducted (Section 8.3).

Example 1: Your program starts on a Friday, and classes are held on Friday, Saturday and Sunday. These are your three actual class days, so you must notify us by 11:59 PM PKT on Sunday. If no class is held on Saturday, Saturday does not count, and the third class day is the next day a class is held.

Example 2: The third actual class day is November 3. You must notify us no later than 11:59 PM PKT on November 3. A notification received on November 4 is too late.

2.3 After the refund window closes

After the deadline on the third actual class day, no customer-requested refund is available. Missing classes or deciding not to continue does not create refund eligibility.

The program cannot be postponed or transferred to a future batch.

3. Private Session Cancellations

3.1 Notification deadline

To be eligible for a refund, you must notify us of the cancellation by 6:00 PM PKT on the previous available business day before the scheduled session. This is the closest earlier day that is not a Saturday, a Sunday or an official public holiday in Pakistan.

If you notify us after this deadline, the payment is not eligible for a refund. We may still acknowledge your message or cancel the appointment so the time slot is free. Cancelling an appointment and qualifying for a refund are two different things.

Example 1: Your session is on Monday. The previous available business day is Friday, if Friday is not a public holiday. You must notify us by 6:00 PM PKT on Friday.

Example 2: Your session is on Wednesday, and Tuesday is a public holiday. The previous available business day is Monday, so your deadline is 6:00 PM PKT on Monday.

3.2 Refund form

After you notify us on time, we send you the refund form. There is no separate deadline for submitting it. If we are slow to send the form, you do not lose your eligibility. We cannot review or process the refund until we receive the completed form.

3.3 Missed sessions

If you do not attend the scheduled session, the payment is non-refundable.

4. Premium Signals Subscriptions and Refunds

4.1 How the monthly subscription works

Premium Signals is sold by calendar month. A subscription runs from the first calendar day to the last calendar day of the month you pay for.

You can pay in advance for the following month. A payment made before the new month starts is recorded for that upcoming month, and that month becomes active on its first calendar day. Paying for the current month does not include the next month. Renewal is manual, and nothing is renewed or charged automatically.

4.2 Joining in the middle of a month

If you want to join after the first day of a month, you can choose one of two options. We explain both options and the payment before we accept your payment.

Option 1: Start next month. You pay the full monthly amount. After the payment is received and verified, your subscription is recorded for the next calendar month, and your access begins on its first day.

Option 2: Start this month. You pay the full monthly amount. After the payment is received and verified, you get access for the rest of the current calendar month. Your subscription still ends on the last day of that month.

There is no half-month, pro-rated or discounted price. This applies whether you join in the middle of the month or close to its end. Joining on the first day of a month is the simplest choice, but it is not required.

Example: You want to join on the 12th. With Option 1, you pay the full monthly amount and your access begins on the 1st of next month. With Option 2, you pay the same amount and get access from now until the last day of this month. Choosing Option 2 does not include next month. To continue, you must renew.

4.3 Refunds for first-time customers

A first-time customer is a person who has never subscribed to Premium Signals before. You may request a refund before access is provided. You also have a refund window of five business days after access is provided.

If access is provided on a business day, that day is Business Day 1. If access is provided on a Saturday, Sunday or public holiday, counting starts on the next business day. You must notify us by 6:00 PM PKT on Business Day 5. You can submit the refund form afterward (Section 7.2). After that deadline, no customer-requested refund is available.

Example: Your access starts on a Friday, so Friday is Business Day 1. Monday is Day 2, Tuesday is Day 3, Wednesday is Day 4 and Thursday is Day 5. You must notify us by 6:00 PM PKT on Thursday. If your access had started on a Saturday, Monday would be Day 1 and Friday would be Day 5.

4.4 Refunds for existing customers

An existing customer is anyone who has subscribed to Premium Signals before, even if the earlier subscription has expired. An existing customer does not receive the five-business-day window again.

An existing customer may request a refund for an upcoming month's payment before that month begins, or before access is provided. Once the new month has begun and the subscription is active, no customer-requested refund is available for that month. Where applicable mandatory rights require otherwise, those rights apply.

4.5 Renewal and grace period

Your subscription ends on the last calendar day of the month you paid for. The first calendar day of the following month is the grace day for renewal.

To keep your access without a break, your renewal payment must be received and verified by the deadline below. If you pay by Bank Transfer, please pay early enough for the payment to be verified before the deadline.

• If the first calendar day is a normal business day, the deadline is 6:00 PM PKT on that day.
• If the first calendar day is a Saturday, Sunday or official public holiday in Pakistan, the deadline moves to 6:00 PM PKT on the next available business day.

During this extended grace period, your access stays active.

If your renewal is not received and verified by the deadline, your access is removed from the following calendar day. A screenshot of a payment, or a message saying that you sent a payment, is not a verified payment. We do not give temporary access or extra grace time for an unverified transfer.

If you want to return later, you must make the required payment. We restore access only after the payment has been received and successfully verified. A late verification does not extend your subscription. It still ends on the last calendar day of that month.

Example 1: Your March subscription ends on March 31, and April 1 is the grace day. Here, April 1 is a normal business day. If your payment is received and verified by 6:00 PM PKT on April 1, your access continues without a break until April 30. If not, your access is removed from April 2. If you return on April 10 and your payment is verified, access is restored until April 30, unless you choose to start from the next month.

Example 2: The first day of the month is a Sunday. Your access stays active, and you have until 6:00 PM PKT on Monday, if Monday is not a public holiday. If your payment is not verified by then, your access is removed from Tuesday.

5. When All Beginner Cannot Provide a Service

Sometimes we receive a valid payment but cannot provide the purchased service, or we cannot provide a confirmed Private Session or other paid service for reasons on our side. In that case, you choose the option you prefer from the options that are available:

• Reschedule the service
• Receive a refund
• Agree on another suitable alternative

We will consider your choice and will not pick an option for you. If you choose a refund, you receive the full amount you paid. We pay the actual outgoing transfer fee, and nothing is deducted from you.

This section is separate from cancellations that you request yourself, which follow Sections 2 to 4. It also does not apply where the service was available and ready to be provided but you did not use it.

Example: We have to cancel your confirmed Private Session because we are not available. You can choose a new time or a full refund. If you cancel the same session yourself, the deadline in Section 3 applies.

6. Duplicate or Accidental Payments

If you accidentally pay twice for the same intended purchase, or you make an accidental payment, we first verify the transaction. If the duplicate or accidental payment is confirmed, the amount is returned to you.

The actual outgoing transfer fee that we pay to return that amount may be deducted from it. This is only the real cost of sending the money back. We do not add any other deduction.

Simply changing your mind about a purchase is not treated as an accidental payment.

7. How to Request a Refund

7.1 Step 1: Notify us

Notify us by email at support@allbeginner.com or on WhatsApp at +92 329 4163693. Your message must reach us within the deadline for your service in Section 2, 3 or 4.

You can send your notification outside Support Hours if your service deadline allows it. We use the date and time we received it to check whether it was on time. We review it during the next Support Hours.

A notification that arrives on time registers your request as timely. We can then cancel the appointment, program reservation or service access. A notification does not mean the refund is approved.

7.2 Step 2: Submit the Refund Request Form

During Support Hours, we check whether your notification was on time. If it was, we send you the link to the Refund Request Form on WhatsApp or by email. The form is private. It is not published on this website, and we only send the link to customers whose notification was on time. If you have not received the link, please ask us for it.

The form collects the information we need to review and process your refund. It has no separate deadline, and we do not close an eligible request because you submitted the form later. However, we cannot review or process the refund until we receive the completed form and all necessary information, so please submit it as soon as you can.

A WhatsApp message, casual conversation, verbal request, social media message or unrelated support inquiry does not replace the form. Receiving the form does not mean your refund has been approved.

7.3 Information the form may ask for

The Refund Request Form may reasonably ask for:

• Full Name
• Email Address
• Phone Number, if applicable
• Service purchased
• Payment method
• Payment date
• Transaction or payment reference
• Reason for the refund request
• Any other information reasonably necessary to verify the payment

7.4 Notification, review, form and processing

These four things are separate. Please do not mix them up.

• Notification: You tell us you want a refund. It must reach us within the deadline for your service. You can send it outside Support Hours.
• Review: We check your notification and your eligibility during Support Hours. An on-time notification does not mean the refund is approved.
• Form: If you are on time, we send you the private Refund Request Form. The form has no separate deadline.
• Processing: After the refund is approved and we receive the completed form and all required information, processing takes 3 to 5 business days (Section 9).

8. Refund Methods and Transfer Fees

8.1 Bank Transfer Refunds

For an eligible Bank Transfer refund, we may ask you for the bank or payment details needed to send it. These details must match, or reasonably correspond to, the original purchaser or payment. We may verify the original transaction before processing the refund.

8.2 Crypto Refunds

Crypto prices and exchange rates can change. Because of this, the exact amount of crypto we return may differ from the amount originally sent. The refund is based on the eligible purchase amount, not on a guaranteed crypto market value. When we ask for it, you must give an accurate and compatible wallet address.

8.3 Transfer Fees

The only possible deduction from a refund is the actual outgoing transfer fee. This is the bank, payment provider or blockchain network fee charged when we send the refund. If no such fee applies, nothing is deducted. How the fee is treated depends on the situation:

• When All Beginner cannot provide a paid service (Section 5), we pay the fee and you receive the full amount.
• For a duplicate or accidental payment (Section 6), the actual fee may be deducted from the amount returned.
• For an eligible refund that you request under Sections 2 to 4, only the actual fee may be deducted. This includes an Online Mentorship refund within the first three class days, where nothing is deducted for classes you attended.

We do not deduct any fee that was charged when we received your original payment. We also do not add administrative charges, exchange rate deductions or penalties.

9. Refund Processing Time

Approved refunds are normally processed within 3 to 5 business days. For refund processing, business days are Monday to Friday. Saturdays, Sundays and official public holidays in Pakistan are not counted. Saturday and Sunday have Support Hours, but they are not business days.

This time starts only after both of these have happened: your refund has been approved, and we have received the completed Refund Request Form and all other information we need to process it. It does not start when you first notify us or when we send you the form, if approval or required details are still pending.

The 3 to 5 business days cover our own processing. Bank processing time or blockchain confirmation time can take extra time and is outside our control, so the funds may show up later depending on your bank, wallet, blockchain or payment method.

10. Other Refund Conditions

10.1 Other non-refundable situations

Besides the service rules in Sections 2 to 4, the following are generally non-refundable:

• Changing your mind after a service has already begun or been delivered, unless a service rule above allows a refund
• Failing to use or attend an available service where All Beginner was ready to provide it
• Requests that do not meet the refund eligibility requirements stated in this policy

10.2 Fraud or abuse

After a reasonable review, All Beginner may reject refund claims that are fraudulent, manipulated or abusive. A repeated request, or a genuine duplicate payment, is not treated as fraud on its own.

11. Policy Changes and Contact

11.1 Changes to this policy

This Refund Policy may be updated if our services, payment methods, refund processes or legal requirements change. When a material update is made, the “Last updated” date above will be revised.

11.2 Related policies

Please read this Refund Policy together with our Terms of Service, which describe how each service works, and our Privacy Policy, which explains how your information is handled.

11.3 Contact

For general questions about this Refund Policy, you can reach us at:

• Support Email: support@allbeginner.com
• General inquiries: info@allbeginner.com
• WhatsApp / Phone: +92 329 4163693

Or visit our Contact page.