REFUND POLICY
FMS University operates as a premier provider of digital educational content, proprietary trading software (Expert Advisors), and analytical intellectual property. Due to the inherent nature of digital products—which are delivered instantly and cannot be “returned” in the traditional sense—FMS University maintains a strict 100% No-Refund Policy.
By purchasing any course, book, subscription, or software from this platform, you explicitly acknowledge that you have read, understood, and agreed to be bound by this policy. All sales are final.
2. THE NATURE OF DIGITAL INTELLECTUAL PROPERTY
Our curriculum, which includes specialized modules on SMC (Smart Money Concepts), ICT (Inner Circle Trader) methodologies, and CRT Trading concepts, constitutes proprietary intellectual property.
Immediate Value Delivery: Unlike physical goods, digital information is consumed the moment it is accessed. Once a student gains access to our video library, private analysis, or PDF manuals, the full value of the product has been transferred.
Irrevocable Access: Because digital files and “knowledge” cannot be revoked or returned once seen or downloaded, FMS University does not offer “trial periods” or “money-back guarantees.”
3. EXPERT ADVISORS (EA) AND SOFTWARE TOOLS
Our Expert Advisors are specialized algorithmic tools.
License Activation: Upon purchase, a unique license or digital file is generated for the user. Once this file has been downloaded or the license activated, the product is considered “used.”
Performance Variability: Trading results vary based on broker spreads, slippage, and individual risk settings. FMS University does not offer refunds based on the trading performance of our EAs, as market conditions and user implementation are beyond our control.
4. UNAUTHORIZED THIRD-PARTY PURCHASES
FMS University is aware of fraudulent “leaks” and unauthorized resellers on platforms such as Telegram, Discord, and various “cheap course” websites.
No Liability: FMS University is NOT responsible for any funds lost to scammers or third-party resellers.
No Support for Pirated Content: We do not provide updates, mentorship, or refunds to individuals who have obtained our content through illegal channels.
Official Verification: Refunds or support requests will only be considered for transactions that can be verified via a valid Order ID directly from our official website database.
5. CHARGEBACK AND DISPUTE POLICY
FMS University takes a zero-tolerance approach to “Friendly Fraud” (the act of purchasing a product, consuming it, and then filing a dispute with a bank or credit card company).
Evidence Submission: In the event of a chargeback or payment dispute, FMS University will submit this signed policy, the user’s IP login logs, download timestamps, and proof of course progress to the relevant financial institution to contest the claim.
Permanent Ban: Any user who initiates a chargeback or dispute will be immediately and permanently banned from FMS University, including all future updates, community access, and software licenses.
6. EXCEPTIONS AND TECHNICAL ERRORS
While we do not offer refunds, we are committed to the satisfaction of our students. The only circumstances under which a technical resolution will be provided are:
Duplicate Purchase: If a user accidentally purchases the same course or EA twice due to a system glitch, we will provide a credit for another product or a correction of the duplicate charge.
Technical Failure: If a digital file is corrupted or a video is unplayable, our support team will provide an alternative link or fix the technical error within 72 hours. Technical difficulty does not constitute a valid reason for a refund.
7. STUDENT ACKNOWLEDGMENT
By clicking “Purchase,” “Buy Now,” or “Subscribe,” you certify that:
You have sufficient funds for the purchase.
You understand that trading Forex involves a high risk of loss.
You accept that FMS University does not guarantee profits.
You waive your right to a refund for any reason once access to the digital content has been granted.