Refund Policy
Last Updated: July 18, 2025
General Policy on Refunds
We maintain a strict no-refund policy for all payments made for our Services.

Unless explicitly stated during the sign-up process or outlined in this Refund Policy, we are not obligated to issue refunds or vouchers for any Services rendered.

We reserve the right to grant refunds at our discretion.

Please be aware that we take violations of our Terms very seriously. Users who breach these Terms or any of our policies are not entitled to refunds, even if their requests fall within the designated refund timeframe. Additionally, we are not responsible for issuing late refunds to users who do not receive a passing confirmation or who are dissatisfied with their final results.
Purchase ThroughThird Party Marketplaces
If you acquire our Services via a third-party marketplace (such as in-app purchases through the Apple App Store, Google Play or other alternative payment platforms), the refund policy of that marketplace will govern your purchase, unless we explicitly state otherwise. In such cases, the third-party marketplace will be solely responsible for processing refunds according to its own policy, and we will not have any refund obligations. We disclaim any liability related to the refund policies of third-party marketplaces or their compliance with those policies..
Rights of European Users
In addition to the refund policies outlined above, if you are entitled to a right of withdrawal under applicable laws in your country, including relevant European Union or the United Kingdom regulations, please note the following:
  • You have the right to withdraw from the Services within a period of 14 days, without needing to provide a reason and without incurring any costs beyond those specified in this clause.

  • The withdrawal period will end 14 days after the date your payment for the Services.

  • However, you will not have the right to withdraw if: a) the Services have been fully performed with your prior express consent, and you acknowledge that you will lose your right of withdrawal once the Services are completed; or b) the Services have commenced with your prior express consent, and you acknowledge that you will lose your right of withdrawal upon starting to use the Services. To exercise your right of withdrawal, you must inform us of your decision through a clear statement (for example, a letter sent by post or an email).

  • You will have exercised your right of withdrawal within the 14-day period if your communication is sent before the period expires. Exercising this right will terminate the obligations of both parties under the contract. If you choose to withdraw, any related contracts will also be automatically terminated.
Swiss Law ConsiderationsIn
Under Swiss law, there is no general statutory right of withdrawal for digital services once they have been fully performed, except where otherwise agreed or mandated by specific regulations. Therefore, outside the scope of applicable consumer protection laws for EEA/UK users, our no-refund policy applies strictly unless otherwise agreed.
Dharma Initiative AG
Baarerstr. 10, 6300 Zug, Switzerland

© 2025 Dharma Initiative AG. All rights reserved. This website and its content including but not limited to text, images, videos, design elements, logos, and trademarks, are protected by copyright and other intellectual property laws. All rights to the general website content are held by Dharma Initiative AG. All rights to the course materials (including written content, video lessons, and downloadable resources) are owned by the respective course author and are distributed under license. Any reproduction, distribution, public display, adaptation, or other use of the website’s content or course materials without prior written permission from the respective rights holder is strictly prohibited and may result in legal action. For copyright inquiries, please contact: evgeniy.nazarov.com@gmail.com.