Refund & Cancellation Policy

Every enrolment carries a statutory cooling-off window, recorded on your enrolment record and shown on your Tuition page. If you cancel within that window, your enrolment is cancelled in full and every payment that has cleared is refunded in full, with no fee or deduction.

You can cancel within the cooling-off window yourself from the Tuition page, or by emailing us. No reason is required.

After the cooling-off window closes, you may cancel at any time. Instalments already paid cover the access you have already received and are not refunded. Future scheduled instalments are cancelled from the date we process your request.

Where you have completed only part of a stage, we may issue a partial credit at our discretion. Credits are applied to future tuition and are not paid out in cash.

Tuition is charged as access-by-instalment. Each cleared instalment releases the next stage of the program. Cancelling ends future instalments and closes access at the stage already released; it does not create a debt for stages never released.

If an instalment fails, access is retained through the grace period recorded on your enrolment. If the instalment is still unsettled after that grace period, access is suspended rather than cancelled, and is reinstated once the balance is settled.

If we cancel or discontinue a program you are enrolled in, you receive a full refund of all tuition paid for the undelivered portion, or the option to transfer to another pathway at no additional cost.

If we terminate an enrolment for a breach of our terms, tuition already paid is not refunded, and no further instalments are charged.

Digital library purchases, downloadable resources and issued certificates are non-refundable once accessed or issued, except where the item is faulty or was described incorrectly.

Subscription plans may be cancelled at any time and end at the close of the current billing period. Part-periods are not refunded.

Approved refunds are returned to the original payment method. Processing usually takes 5–10 business days after approval, depending on your bank or card issuer. You will receive a numbered credit note for every refund.

Nothing in this policy limits rights you have under consumer law in your country, including the Australian Consumer Law. Where local law provides a stronger remedy than this policy, that law applies.

Email support@xcapegroup.com with your full name, the email on your enrolment and the reason for the request. We acknowledge every request within 2 business days and decide within 10 business days.