Refund Policy

1. Overview

JS Financials, operated by Jackson Semenas (ABN 57 226 575 365), sells digital educational products and services. Because our products are delivered digitally and access is granted immediately upon purchase, our refund terms differ by product type. This policy applies to all purchases made through jsfinancials.com.au.

2. One-Time Purchase Courses

This section applies to the following products:

• Prediction Markets Trading Course
• Macroeconomics for Financial Markets and Trading Course

2.1 Before Accessing Materials

If you have not accessed, downloaded, or viewed any course materials, you may request a full refund within fourteen (14) days of the date of purchase. To request a refund, email hello@jsfinancials.com.au with your name, the email address used at checkout, and the product purchased.

2.2 After Accessing Materials

Once you have accessed any course materials (including logging into the member portal and viewing or downloading any document), the purchase is considered final and a refund is not available. This is because digital products cannot be returned once delivered.

2.3 Duplicate Purchases

If you have been charged twice for the same product due to a technical error, contact us immediately and we will issue a full refund for the duplicate charge.

3. Subscription Products

This section applies to the following products:

• Daily Macroeconomic Reports (monthly or annual)
• Quantitative Trading Discord (monthly)

3.1 Cancellation

You may cancel your subscription at any time. Cancellation can be done through the member dashboard (for Daily Reports) or by contacting us at hello@jsfinancials.com.au. Upon cancellation, you retain access to the product until the end of your current billing period. No further charges will be applied after cancellation.

3.2 No Partial Refunds

Subscription fees are charged in advance for each billing period. We do not issue partial refunds for unused portions of a billing period. If you cancel on day 5 of a 30-day billing period, you retain access for the remaining 25 days but no refund is issued for that period.

3.3 Annual Subscriptions

Annual subscription payments are non-refundable once the subscription period has commenced. If you wish to cancel an annual subscription, you retain access until the end of the annual period and the subscription will not renew.

3.4 Failed Payments

If a subscription payment fails, we will attempt to collect the payment automatically. You will receive an email notification with a link to pay the outstanding invoice. If payment is not resolved, access to the subscription product may be suspended.

4. 1-on-1 Mentorship Program

4.1 Before Program Commencement

If you have been accepted into the mentorship program but the program has not yet commenced (no calls have taken place and no personalised materials have been delivered), you may request a full refund within fourteen (14) days of payment.

4.2 After Program Commencement

Once the mentorship program has commenced (defined as the first scheduled call taking place or personalised curriculum materials being delivered), the fee is non-refundable. This is because significant resources, time, and personalised content are allocated to each client upon commencement.

4.3 Exceptional Circumstances

We understand that unforeseen circumstances can arise. If you are unable to continue the mentorship program due to exceptional circumstances (serious illness, family emergency, or similar), contact us at hello@jsfinancials.com.au to discuss options. These may include pausing the program, rescheduling, or a partial credit toward future services. Each case is assessed individually.

5. How to Request a Refund

To request a refund, send an email to hello@jsfinancials.com.au with the following information:

• Your full name.
• The email address used at checkout.
• The product or service you are requesting a refund for.
• The date of purchase.
• The reason for your refund request.

We will acknowledge your request within two (2) business days and process eligible refunds within seven (7) business days of approval. Refunds are issued to the original payment method via Stripe.

6. Chargebacks

If you believe a charge is unauthorised or incorrect, please contact us at hello@jsfinancials.com.au before initiating a chargeback with your bank or card issuer. We are committed to resolving disputes directly and promptly. Filing a chargeback without first contacting us may result in the suspension of your account and access to all products and services.

7. Australian Consumer Law

Our products and services come with guarantees that cannot be excluded under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)). Nothing in this Refund Policy excludes, restricts, or modifies any right or remedy, or any guarantee, condition, or warranty, implied or imposed by any legislation that cannot lawfully be excluded or limited.

If our products or services fail to meet a consumer guarantee, you may be entitled to a remedy including a refund, replacement, or compensation, regardless of the terms stated above. For more information about your rights under the Australian Consumer Law, visit the Australian Competition and Consumer Commission (ACCC).

8. Changes to This Policy

We may update this Refund Policy from time to time. When we make changes, we will update the "Last updated" date at the top of this page. Changes do not apply retroactively to purchases made before the updated policy took effect.

9. Contact Us

For any questions about this Refund Policy or to submit a refund request:

• Email: hello@jsfinancials.com.au
• Website: jsfinancials.com.au/contact