REFUND POLICY - TERMS AND CONDITIONS

Refund Policy - Terms and Conditions

Review Terms and Conditions.

Terms of Service + Refund Policy + Chargeback & Payment Dispute Agreement

Affinity Professional Training Services, Inc.

Effective Date: November 1st, 2025

Company Name: Affinity Professional Training Services, Inc. (“Affinity,” “we,” “us,” “our”)

Business Mailing Address: 228 Park Ave S PMB 635416, New York, New York 10003-1502, US

Phone: 646-948-4146

Email: [email protected]

Website: Affinityprotraining..com

Training Website landing page: https://affinityprotraining.thinkific.com

By accessing our website, enrolling, checking the agreement box at checkout, submitting payment, or using our online training platform, you (“Customer,” “Student,” “you,” “your”) confirm that you have read, understood, and agreed to these Terms of Service, including our strict no-refund policy, no-cancellation policy, and chargeback waiver.

This is a legally binding agreement.

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1. Services Provided (Digital Training Services – Not a Physical Product)

Affinity provides online training and education services, which may include but are not limited to:

Online training videos / streaming lessons

PDF course materials / downloadable resources

Practice quizzes, exams, and question banks

Certificate-of-completion programs (where applicable)

Support related to training access and course navigation

You acknowledge and agree that you are purchasing training services and access to digital educational content, not a physical product.

Because of the nature of digital services, once access is delivered and/or available, the services are considered provided and usable.

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2. No Cancellation Policy (Final Sale / Commitment to Complete Training)

All enrollments are final. Once payment is submitted and enrollment is confirmed:

[✅] There are NO cancellations

[✅] There are NO pauses, reversals, or “stop payment” requests accepted

[✅] There is NO option to cancel due to change of mind, personal schedule, or non-use

By enrolling, you confirm your intention to participate and complete the online training/certification you selected.

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3. Strict No Refund Policy (No Exceptions)

Affinity maintains a strict NO REFUND / NO CREDIT policy.

Once payment is processed, ALL SALES ARE FINAL, including but not limited to situations involving:

Change of mind

Not enough time to complete the training

Not using the course after purchase

Belief that the course was “not needed anymore”

“I didn’t mean to buy it” / accidental purchase

“I forgot” / “I didn’t check my email”

Disagreement with our policies after checkout

Employer, agency, school, or third-party requirements changing

Failure to complete the course by your own choice

Any personal hardship or inconvenience

No refunds, credits, partial refunds, or charge reversals will be provided.

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4. Access Delivery & Proof of Service Rendered

You agree that Affinity fulfills its obligations by providing:

Course access through our online platform, and/or

Training link delivery via email, and/or

Ongoing availability of training materials inside your account

Important: The training is considered delivered once access is issued or available—whether or not you choose to log in or complete the coursework.

We maintain internal records that may include:

Date/time of purchase and authorization confirmation

IP logs (when available)

Course progress activity

Training link delivery and email communication logs

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5. Digital Services Are “As Described” and Non-Defective

You acknowledge that our services are not a “defective product” because:

The training content is delivered as digital services

The materials include the course resources described at checkout

You receive access to videos/PDFs/exams in the course portal

Your service is considered complete once access is provided

Disputes based on “product not acceptable,” “not as described,” or “defective” are not valid when access and materials are delivered and available.

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6. Customer Responsibility (Email, Access, and Completion)

You are responsible for:

Providing an accurate email address at checkout

Checking your inbox, spam/junk folder, and promotions tabs

Ensuring you can access the internet and a compatible device

Logging in and completing the course requirements

Following course instructions to earn any certificate offered

Failure to complete training due to personal choice, time constraints, device limitations, or failure to check email does not qualify for cancellation or refund.

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7. Payment Authorization & Billing Agreement

By clicking “I Agree,” checking the box at checkout, completing enrollment, and/or submitting payment, you authorize Affinity Professional Training Services, Inc. to charge your selected payment method for the full amount due, including any applicable fees or payment plan terms (if offered).

You agree that:

Your purchase is authorized by you

You are the rightful cardholder or authorized user

You approve this transaction knowingly

You will not dispute charges that were properly authorized

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8. Chargeback & Payment Dispute Waiver (Visa, Mastercard, Amex, Discover + BNPL)

YOU AGREE THAT YOU ARE WAIVING AND RELEASING ALL RIGHTS TO FILE A CHARGEBACK OR PAYMENT DISPUTE for this purchase once your payment is submitted and your enrollment is confirmed.

This waiver applies to disputes filed with, including but not limited to:

Visa

Mastercard

American Express

Discover

Afterpay

Klarna

Zip

Any other Buy Now Pay Later (BNPL) provider

Any bank, financial institution, or payment service provider

Stripe or any merchant processor used by Affinity

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9. Dispute Reasons Not Accepted (Common Chargeback Codes Covered)

By enrolling, you agree you will NOT file disputes for reasons including, but not limited to:

Fraud / unauthorized transaction (when you purchased and/or received access)

Canceled recurring transaction (we do not offer cancellation)

Canceled merchandise/services

Refund not processed (no refunds exist under this policy)

Credit not processed

Services not rendered (access is provided)

Merchandise/services not as described

General dissatisfaction or “product unacceptable”

Duplicate charge (unless proven system error)

No longer needed

Did not recognize (you agree purchase was authorized)

Affinity will respond to disputes using transaction logs, platform logs, signed enrollment acknowledgments (if applicable), checkout records, and delivery/access evidence.

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10. Communications & Support

If you experience access issues, you must contact Affinity support before filing any dispute.

[📩] Support Email: [email protected]

Support inquiries must include:

Full name used at checkout

Email used at checkout

Date of purchase

Course purchased

Screenshot of the issue (if applicable)

We will assist you with access issues, but support is not a substitute for refunds.

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11. Right to Refuse Service / Terminate Access for Abuse or Fraudulent Disputes

If you file a chargeback, payment dispute, or false claim contradicting these terms, Affinity may:

Immediately suspend or terminate your access

Block further enrollment

Report suspected fraud to payment processors and banks

Pursue lawful recovery of funds, fees, and administrative costs

Submit evidence proving the transaction was authorized and delivered

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12. Legal Enforcement / Collection of Administrative Fees

You agree that any dispute filed in violation of this agreement may result in:

Collection action for unpaid balances

Recovery of dispute fees charged to the merchant

Recovery of administrative time spent responding to your dispute

Legal claims where permitted by law

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13. Agreement Confirmation (Electronic Consent)

You agree that checking the box at checkout constitutes your:

Electronic signature

Informed consent

Agreement to all terms, including the refund policy and chargeback waiver

You acknowledge that you had the opportunity to review these terms before submitting payment.

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14. Governing Law / Venue

These terms shall be governed by the laws of the State of New York. Any legal action or claim shall be brought in the appropriate courts located in New York, New York, unless otherwise required by law.

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15. Final Acknowledgment

By purchasing and enrolling, you confirm:

[✅] You understand the training is a digital service

[✅] You understand there is no cancellation

[✅] You understand there is no refund

[✅] You understand that filing a chargeback violates this agreement

[✅] You received or will receive access to training content and materials

[✅] You agree this policy is clearly disclosed before purchase