Refund Policy

Block Wall Street - Blockchain Education Platform
Website: blockwallstreet.io

Last Updated: December 7, 2024
Version: 2.0 (Illinois Jurisdiction)
Effective Date: December 7, 2024

1. OVERVIEW

This Refund Policy governs refund requests for Block Wall Street’s educational services and products.
This policy is designed to comply with Illinois consumer protection laws, including the Illinois Con‐sumer Fraud and Deceptive Business Practices Act (815 ILCS 505/), while establishing clear guidelines for refund eligibility and processing.
IMPORTANT NOTICE: Refund eligibility varies significantly based on payment method and service type. Please read this policy carefully before making any purchases.

2. PAYMENT METHOD RESTRICTIONS

2.1 NON-REFUNDABLE PAYMENT METHODS
CRYPTOCURRENCY PAYMENTS (FINAL AND NON-REFUNDABLE):
- Bitcoin (BTC) payments: All Bitcoin transactions are FINAL and NON-REFUNDABLE
- Ethereum (ETH) payments: All Ethereum transactions are FINAL and NON-REFUNDABLE
- Other cryptocurrency payments: All cryptocurrency transactions are FINAL and NON-REFUNDABLE

CASHAPP PAYMENTS (FINAL AND NON-REFUNDABLE):
- All CashApp payments are FINAL and NON-REFUNDABLE
- This includes both individual course purchases and subscription payments made via CashApp

2.2 Blockchain Transaction Finality
By choosing to pay with cryptocurrency, you acknowledge and agree that:
- Blockchain transactions are irreversible by their technological nature
- Once a cryptocurrency payment is confirmed on the blockchain, it cannot be reversed
- We have no technical ability to reverse or refund cryptocurrency transactions
- The decentralized nature of blockchain technology makes refunds impossible
- You assume all risks associated with cryptocurrency payment finality

2.3 CashApp Payment Finality

By choosing to pay with CashApp, you acknowledge and agree that:
- CashApp payments are processed as final transactions
- We do not offer refunds for CashApp payments regardless of circumstances
- This policy is clearly disclosed before payment completion
- Alternative payment methods are available if refund eligibility is desired

3. REFUNDABLE PAYMENT METHODS AND SERVICES

3.1 Eligible Payment Methods for Refunds
Refunds may be available ONLY for payments made through:
- Credit cards (Visa, MasterCard, American Express, Discover)
- Debit cards
- PayPal
- Bank transfers
- Other traditional payment processors (excluding CashApp and cryptocurrencies)
3.2 Subscription Plans - Limited Refund Eligibility
7-DAY GRACE PERIOD FOR SUBSCRIPTIONS:
- Refunds for subscription plans are available ONLY within 7 days of initial activation
- This applies to monthly, quarterly, and annual subscription plans
- The 7-day period begins from the date of subscription activation, not purchase
- Partial month refunds are not available after the 7-day grace period
Subscription Refund Conditions:
- Account must not have accessed more than 25% of available content
- No certificates or credentials must have been issued
- Account must be in good standing with no policy violations
- Refund request must be submitted through proper channels
3.3 Individual Course Purchases - NO REFUNDS
NON-REFUNDABLE INDIVIDUAL COURSES:
- All individual course purchases are FINAL and NON-REFUNDABLE
- This applies regardless of payment method (except cryptocurrency and CashApp which are never re‐
fundable)
- Once course access is granted, no refunds will be provided
- This policy applies to all individual course purchases, including:
- Single course enrollments
- Course bundles and packages
- Specialty certification programs
- Workshop and seminar access

4. ILLINOIS CONSUMER PROTECTION COMPLIANCE

4.1 Illinois Consumer Fraud Act Compliance
In accordance with the Illinois Consumer Fraud and Deceptive Business Practices Act (815 ILCS 505/),
we ensure:
- Clear and conspicuous disclosure of refund policies before purchase
- No deceptive or misleading practices regarding refund availability
- Transparent communication about payment method restrictions
- Good faith processing of eligible refund requests
4.2 Consumer Rights Under Illinois Law
Illinois consumers retain all rights under state consumer protection laws, including:
- Right to accurate information about refund policies
- Protection against deceptive business practices
- Right to file complaints with the Illinois Attorney General
- Access to Illinois state court remedies for violations
4.3 Disclosure Requirements
We provide clear disclosure of:
- Payment method restrictions before payment processing
- Refund eligibility criteria for each service type
- Time limits and conditions for refund requests
- Contact information for refund inquiries

5. REFUND REQUEST PROCESS

5.1 How to Request a Refund
To request a refund for eligible services:
Step 1: Verify Eligibility
- Confirm your payment method is eligible for refunds
- Ensure you are within the applicable time limits
- Review the specific terms for your service type
Step 2: Submit Request
- Email: blockwallstreetwork@proton.me
- Subject Line: “Refund Request - [Order Number]”
- Include: Full name, email address, order number, reason for refund
- Attach: Proof of purchase and payment method information
Step 3: Await Processing
- Acknowledgment within 2 business days
- Review and decision within 5-7 business days
- Refund processing within 3-10 business days if approved
5.2 Required Information for Refund Requests
All refund requests must include:
- Full name and account email address
- Order number or transaction ID
- Date of purchase and payment method used
- Detailed reason for refund request
- Confirmation that eligibility requirements are met
5.3 Refund Request Timeline
Subscription Plans: Must be requested within 7 days of activation
Processing Time: 5-7 business days for review
Refund Delivery: 3-10 business days after approval
Communication: Updates provided throughout the process

6. REFUND PROCESSING AND DELIVERY

6.1 Processing Timeline
Review Period: 5-7 business days
- Verification of eligibility criteria
- Review of account usage and compliance
- Confirmation of payment method and amount
- Final approval or denial decision
Refund Delivery: 3-10 business days after approval
- Credit card refunds: 3-5 business days
- PayPal refunds: 1-3 business days
- Bank transfer refunds: 5-10 business days
- Processing times may vary by financial institution
6.2 Refund Method
Refunds will be processed using the same payment method used for the original purchase:
- Credit card refunds to the original card
- PayPal refunds to the original PayPal account
- Bank transfer refunds to the original bank account
- We cannot process refunds to different payment methods
6.3 Partial Refunds
Partial refunds may be available in limited circumstances:
- Pro-rated subscription refunds within the 7-day grace period
- Account credit for service interruptions or technical issues
- Adjustments for billing errors or overcharges
- Compensation for service failures beyond our control

7. EXCEPTIONS AND SPECIAL CIRCUMSTANCES

7.1 Technical Issues and Service Failures
Refunds or account credits may be provided for:
- Extended service outages affecting course access
- Technical failures preventing course completion
- Billing errors or duplicate charges
- Unauthorized account access or fraud
7.2 Medical or Emergency Circumstances
We may consider refunds outside normal policy for:
- Documented medical emergencies
- Military deployment or relocation
- Family emergencies or hardship situations
- Other extraordinary circumstances at our discretion
7.3 Fraudulent or Unauthorized Transactions
For fraudulent or unauthorized transactions:
- Immediate investigation upon notification
- Cooperation with financial institutions and law enforcement
- Account suspension pending investigation
- Refund or credit upon verification of fraud

8. NON-REFUNDABLE ITEMS AND SERVICES

8.1 Always Non-Refundable
The following are never eligible for refunds regardless of payment method:
- Cryptocurrency payments (Bitcoin, Ethereum, all digital currencies)
- CashApp payments
- Individual course purchases (after access is granted)
- Completed certification programs with issued credentials
- Downloaded digital materials and resources
- Used consultation or coaching services
8.2 Promotional and Discounted Services
Special pricing and promotional offers:
- May have different refund terms clearly disclosed
- Often exclude refund eligibility entirely
- Require acceptance of modified terms before purchase
- Are subject to specific promotional policy terms

9. DISPUTE RESOLUTION

9.1 Internal Dispute Resolution
For refund disputes:
- Contact our customer service team first
- Escalate to management if initial resolution is unsatisfactory
- Provide all relevant documentation and information
- Allow reasonable time for investigation and response
9.2 Illinois State Resources
Illinois consumers may seek assistance from:
- Illinois Attorney General’s Consumer Protection Division
- Chicago Department of Business Affairs & Consumer Protection
- Illinois Department of Financial & Professional Regulation
- Better Business Bureau of Chicago and Northern Illinois
9.3 Legal Remedies
Under Illinois law, consumers may pursue:
- Claims under the Illinois Consumer Fraud Act
- Small claims court proceedings in Cook County
- Class action remedies where applicable
- Other legal remedies available under state law

10. CHARGEBACK AND PAYMENT DISPUTES

10.1 Chargeback Policy
If you initiate a chargeback with your financial institution:
- Your account will be immediately suspended
- We will provide documentation to dispute invalid chargebacks
- Valid refund requests should be processed through our refund policy
- Chargeback fees may be charged to your account
10.2 Payment Processor Disputes
For disputes through payment processors:
- PayPal disputes will be handled through PayPal’s resolution center
- Credit card disputes will be addressed with the card issuer
- We will provide necessary documentation to support our position
- Resolution may take 30-90 days depending on the processor

11. POLICY MODIFICATIONS

11.1 Right to Modify
We reserve the right to modify this Refund Policy:
- To comply with changes in Illinois or federal law
- To reflect changes in our services or payment methods
- To address new circumstances or business requirements
- To improve clarity and customer understanding
11.2 Notice of Changes
Material changes to this policy will be communicated through:
- Email notification to all registered users
- Prominent notice on our website homepage
- Updated “Last Modified” date
- 30-day advance notice for significant changes affecting existing customers
11.3 Grandfathering of Existing Purchases
Policy changes will not affect:
- Purchases made before the effective date of changes
- Existing subscription terms and conditions
- Previously issued refunds or credits
- Pending refund requests submitted before changes

12. CONTACT INFORMATION

12.1 Refund Inquiries
For refund requests and questions:
Refund Department
Block Wall Street
Email: blockwallstreetwork@proton.me
Address:700 East 61st Street, Chicago, IL, USA
Business Hours: Monday-Friday, 9:00 AM - 5:00 PM CST
Response Time: 2 business days for acknowledgment, 5-7 days for resolution
12.2 Customer Service
For general questions about this policy:
- Email: blockwallstreetwork@proton.me
- Live chat available on our website during business hours
12.3 Legal and Compliance
For legal questions or compliance concerns:
- Email: blockwallstreetwork@proton.me
- Address: 700 East 61st Street, Chicago, IL, USA

13. ACKNOWLEDGMENT

By making a purchase from Block Wall Street, you acknowledge that:
- You have read and understood this Refund Policy
- You understand the payment method restrictions and limitations
- You accept the terms and conditions outlined herein
- You understand your rights under Illinois consumer protection law
- You agree to the dispute resolution procedures described
This Refund Policy is governed by Illinois state law and is effective as of the date listed
above.

IMPORTANT REMINDER: Cryptocurrency and CashApp payments are FINAL and NON-RE‐
FUNDABLE. Individual course purchases are NON-REFUNDABLE. Only subscription plans
paid through eligible payment methods may qualify for refunds within 7 days of activation.