1. Nature of Digital Educational Services

All BOS programmes are digital educational services granting immediate access to proprietary intellectual property, curriculum, recordings, and materials.

By completing registration and payment, participants acknowledge that:

• Access to digital content constitutes commencement of service delivery.
• Value is derived immediately upon access, not only upon course completion.

2. No Refund After Access

All sales are final once course access has been granted.

Access includes, but is not limited to:

• Issuance of login credentials
• Access to learning portal or recordings
• Access to live session links
• Download of course materials
• Inclusion in participant community groups

Once any of the above has occurred, fees are non-refundable.

3. Limited Pre-Access Cancellation

Participants may request a refund only if submitted in writing before access is granted.

Where approved:

• A full refund will be issued minus a non-refundable administrative fee of 15% to cover processing and onboarding costs.

4. Cohort-Based & Live Programmes

For cohort-based, live or scheduled programmes:

• Withdrawal less than 14 days before programme commencement is non-refundable.
• BOS may, at its sole discretion, allow a one-time deferral to a future cohort within 12 months.
• Deferrals do not constitute refunds.

Failure to attend live sessions does not entitle the participant to a refund.

5. Payment Plans

Where a participant elects to pay by instalments:

• The full course fee remains payable once access is granted.
• Immediate suspension of access
  • Withholding of certificates
  • Recovery action if necessary
  • Defaulting on instalments may result in:

No partial refunds are granted under payment plans once access has commenced.

6. Course Changes or Cancellation by BOS

BOS reserves the right to:

• Reschedule programmes
• Substitute facilitators of equivalent expertise
• Modify non-material aspects of curriculum

If BOS cancels a programme entirely and does not reschedule within a reasonable timeframe, participants may elect:

• A full refund; or
• Credit toward another BOS programme.

7. Consumer Law Compliance

Nothing in this policy limits statutory rights under the Federal Competition and Consumer Protection Act (FCCPA) 2018.

Where BOS materially fails to deliver a programme as advertised, remedies may include:

• Re-performance of the service; or
• Partial or full refund at BOS’s reasonable determination.

8. Chargebacks & Disputes

Initiating a payment chargeback without first contacting BOS constitutes a breach of this policy.

In such cases, BOS reserves the right to:

• Suspend access immediately
• Revoke certification

• Recover costs associated with the chargeback

9. Refund Request Process

All requests must be submitted in writing to: hello@bosinstitute.com

BOS will respond within 7–14 business days.

Approved refunds will be processed to the original payment method where practicable.