Refund Policy

1. Digital Products Exemption

All Skillora products and services are delivered digitally and made available immediately upon payment. As digital content that is accessed immediately, refund rights are waived upon purchase. You expressly consent to immediate access and acknowledge the forfeiture of any cancellation or refund right at the time of purchase.

2. One-Time Payment Model

All Skillora plans are purchased as one-time payments. You are charged once at the time of purchase and receive immediate, full access to your chosen plan. There are no recurring charges, no auto-renewals, and no hidden fees.

Once payment is processed, it is considered final.

3. No Refunds on Completed Purchases

Since all plans are one-time purchases with immediate digital delivery:

• No refunds will be issued for any completed purchase — regardless of usage or satisfaction.
• No partial refunds will be issued for unused features or early termination of use.
• No exchanges between plans are available after purchase.

By completing your purchase, you acknowledge and accept these terms.

4. Chargebacks & Disputes

If you initiate a chargeback or payment dispute through your bank or credit card provider without first contacting us, we reserve the right to:

• Immediately suspend or permanently terminate your account and all associated data.
• Contest the chargeback with all relevant documentation and transaction records.
• Recover any fees, costs, or penalties associated with the dispute.
• Report the incident to fraud prevention services.

We strongly encourage you to contact us at Contact@skill-ora.org before initiating any dispute with your financial institution. We are committed to resolving issues promptly.

5. Exceptions (At Our Sole Discretion)

In rare cases, and at the sole discretion of Skillora, a refund or account credit may be considered only if:

• You were charged due to a verified technical error on our payment system.
• You were charged multiple times for the same transaction due to a system malfunction.

To request a review, email Contact@skill-ora.org within 7 days of the charge with your full name, email address, and transaction details. Requests submitted after 7 days will not be considered.

6. Contact Us

For any billing questions or concerns, contact us:

• Email: Contact@skill-ora.org
• Phone: +1 (302) 560-2321
• Address: 11856 Glen Cir, Bridgeville, DE 19933-4499, United States