Refund Policy
1. Overview
Skilvy sells digital access to educational courses. Payments and refunds are handled by our Merchant of Record, Paddle.com Market Ltd. This Policy explains when and how you can get a refund. Paddle's buyer terms also apply.
2. Right to cancel (cooling-off)
Where required by applicable consumer law, you may withdraw from a purchase within 14 days. By starting the digital content during this period you may lose the right of withdrawal for the portion already used — we notify you of this at checkout.
3. First-month money-back guarantee (subscriptions)
Paid subscriptions come with a guarantee: if the Service isn't right for you, you may request a refund within the first month of your first charge, provided the material has not been substantially used. The guarantee covers the first paid period and does not apply to later renewals.
4. Yearly subscriptions
For yearly subscriptions the first-month guarantee also runs from the first charge date. After the guarantee period, a yearly subscription is generally non-refundable for the unused portion unless required by law. You can cancel renewal at any time — access continues to the end of the paid year.
5. One-time course purchases
A refund for a separately purchased course is available within 14 days of purchase if the course has not been substantially completed.
6. What counts as "substantial use"
Substantial use means completing a significant part of a course's lessons, downloading or copying materials, or other signs that the value of the content has largely been received. We assess the threshold reasonably and in good faith based on progress data.
7. How to request a refund
Email support@skilvy.io with your purchase email and order details, or contact Paddle buyer support at paddle.net. We will review the request and let you know our decision.
8. Processing times
Approved refunds are returned to the original payment method. Crediting times depend on the payment provider and bank and usually take a few business days after the refund is confirmed.
9. Exceptions and abuse
Refunds may be declined where there are signs of abuse (for example, repeated buy-then-refund after fully completing the material), breach of the Terms of Service, or cases expressly excluded by applicable law. These limits do not affect your mandatory consumer rights.
10. Consumer rights
This Policy does not limit rights granted to you by the mandatory consumer-protection laws of your jurisdiction.
11. Contact
Refund questions: support@skilvy.io or Paddle support at paddle.net.