At ExpertCanadaEconomic ("we," "our," or "us"), we are committed to providing high-quality business insights and digital services. This Return and Refund Policy outlines the conditions under which refunds may be granted, how to request a refund, and our processing timelines.

By purchasing any service or digital content from our platform, you acknowledge and agree to the terms outlined below.

1. General Refund Policy
We understand that circumstances may require a refund request. However, refunds are only issued under specific conditions and are subject to review.

1.1 Eligibility for Refunds
Refund requests may be considered if:

The request is made within [X days] of the purchase date.
The service or digital product has not been fully accessed, used, or downloaded beyond the allowed refund period.
There is a technical issue preventing access to the purchased service, and troubleshooting has not resolved the problem.
The service delivered does not match the description provided at the time of purchase.
Refunds will not be granted for:

Change of mind after purchase.
Failure to read the service description before purchasing.
Partial use of services without a valid technical issue.
If you have any concerns regarding refund eligibility, please contact us at info@ecenomic.com.

2. Non-Refundable Services
Some purchases are not eligible for refunds, including:

Fully accessed or downloaded digital content (e-books, PDFs, exclusive reports).
Completed one-on-one consultations or personalized business coaching.
Subscription-based services if the billing cycle has already started.
Discounted or promotional purchases, unless otherwise specified.
If a refund is denied due to ineligibility, we will provide a detailed explanation of the decision.

3. How to Request a Refund
To request a refund, follow these steps:

Email us at info@ecenomic.com with the subject line: "Refund Request – [Order ID]".
Provide the following details:
Full name
Email address associated with the purchase
Order ID
Reason for the refund request
Our team will review your request and respond within [X business days] with a decision.
Refund requests that do not meet the eligibility criteria will be declined.

4. Refund Processing
Approved refunds will be processed within 7-10 business days of approval.
Refunds are issued via the original payment method used for the transaction.
Processing times vary depending on your bank or payment provider.
Any transaction fees charged by payment processors are non-refundable.
If you do not receive your refund within 10 business days, please contact us for further assistance.

5. Subscription and Recurring Payments
For subscription-based services, the following conditions apply:

You may cancel your subscription at any time via account settings or by contacting us.
To avoid being charged for the next billing cycle, cancellations must be made before the renewal date.
Refunds for ongoing subscription periods are not available after a payment has been processed.
For billing issues related to subscriptions, please email info@ecenomic.com.

6. Service Cancellations by ExpertCanadaEconomic
In rare cases, we may need to cancel a service. If this occurs:

Users who have not yet started the service will receive a full refund.
Users who have partially used the service may be eligible for a partial refund or service credit.
If an alternative service is available, we may offer a transfer instead of a refund.
Affected users will be notified via email with available options.

7. Disputes & Chargebacks
If you believe you were incorrectly charged, please contact info@ecenomic.com before initiating a chargeback.

Chargebacks initiated without prior communication may result in account suspension.
We are happy to work with you to resolve any billing concerns in a timely manner.
8. Changes to This Policy
We reserve the right to update this Return and Refund Policy as needed to reflect operational changes or legal requirements. Updates will be posted on this page, and significant changes may be communicated via email.

9. Contact Us
For refund inquiries, please contact us at:

📧 Email: info@ecenomic.com
📍 Address: 3583 Walker St, Vancouver, BC V5N 5A9, Canada