Effective Date: 01/01/2026

At Cardiot Academy, we strive to provide educational services of the highest quality. Before making any payment, we request all students and guardians to carefully review the course details, fees, and terms.

No Refund Policy

Once any payment is made towards:

• Course admission fee
• Online or offline classes
• Registration fee
• Any other service

No refund will be provided under any circumstances, including but not limited to:

• Course withdrawal
• Change of mind
• Non-attendance
• Failure to complete the course
• Technical issues

Payment Confirmation

When a payment is processed successfully, the transaction is considered final, and the Zero Refund Policy applies.

Disputes & Chargebacks

If you believe a transaction was incorrect, please contact us immediately at cardiotoffice@cardiotacademy.com before initiating a dispute with your bank.