Refund & Cancellation Policy

Programme fee means the amount paid to AFC for the relevant paid programme. First scheduled session means the published start of the first live session, whether or not the customer attends. Business day means Monday to Friday excluding public holidays in Nigeria. Substantial digital access means access to a material portion of paid recordings, restricted course materials or another digital deliverable identified before payment.

This Policy does not treat programme fees as donations. Any genuine donation must be clearly labelled and handled separately at the point of payment.

A customer may use the one-time cohort transfer personally and may not sell or assign it. The transfer expires after the next available equivalent cohort unless AFC confirms another date in writing. If the later cohort has a higher price, AFC will disclose and obtain agreement to any difference before confirming the transfer.

If AFC cancels a programme and the customer does not accept a rescheduled date or equivalent alternative, AFC will provide a full refund of the amount paid to AFC for that programme. AFC will initiate the approved refund within seven business days after the customer confirms the preferred remedy and supplies any information reasonably required to verify the transaction.

If AFC cannot verify or confirm enrolment after receiving payment, AFC will either correct the enrolment promptly or provide a full refund.

A material change includes a substantial reduction in the principal deliverables, a significant date change that prevents the customer from attending, or a change from the advertised delivery format that materially affects participation. A change of facilitator, session order or platform is not normally material if the overall programme value is maintained.

AFC will notify affected customers and provide a stated response period. The customer may accept the revised arrangement, transfer once to another suitable cohort or request a refund proportionate to the undelivered part. Where the material change defeats the principal purpose of the purchase, AFC will offer a full refund.

A confirmed duplicate or incorrect charge will be corrected or refunded in full after transaction verification. AFC will not treat a failed-payment reversal as a discretionary refund. If a failed or pending payment later settles, contact AFC so the transaction can be reconciled.

AFC may request the customer name, email address, payment date, amount, currency, Flutterwave transaction reference and limited evidence of the charge. Customers should not send complete card numbers, card security codes, online banking passwords or one-time passwords.

Send the request to [email protected] with the subject Programme cancellation or Refund request. Include:

• the customer’s full name and email address used at checkout;
• the programme and cohort;
• the transaction reference, payment date, amount and currency;
• the requested remedy and reason; and
• any supporting information reasonably needed to investigate the request.

AFC will acknowledge the request within five business days and aims to decide a complete request within 14 business days. If more information or time is reasonably required, AFC will explain what is needed and provide an updated timeline.

Approved refunds will normally be returned through the original payment method and in the original transaction currency where the payment provider supports it. AFC will initiate an approved refund within seven business days after approval and completion of reasonable verification.

For card payments processed through Flutterwave, the customer’s bank or card issuer may take approximately three to fifteen business days after initiation to post the refund. AFC does not control the issuer’s posting time but will provide available evidence of initiation and assist with reasonable status enquiries.

AFC will not charge an administrative fee for an approved full refund. Exchange-rate movements, intermediary charges or issuer conversion practices outside AFC’s control may cause the amount appearing in another currency to differ from the original converted amount. AFC will not deduct a third-party processing cost unless the deduction is lawful, was clearly disclosed before payment and is stated in the refund decision.

Unless a written offer states a more favourable rule, discounted registrations follow this Policy. A scholarship or sponsored place has no cash value to the participant, but any personal contribution paid by the participant will be handled under this Policy.

Where AFC expressly offers an instalment plan, cancellation does not create a recurring-payment obligation beyond the terms accepted at checkout. Amounts already paid will be treated under the cancellation rules above, and AFC will stop any future instalment instruction that AFC controls once a valid cancellation takes effect.

Customers are encouraged to contact AFC first so that AFC can investigate promptly. This does not restrict any lawful card-scheme, bank or consumer right. Where a chargeback is raised, AFC may provide the payment provider with relevant evidence of enrolment, policy acceptance, attendance, access or delivery.

If you are dissatisfied with AFC’s decision, request an internal review using the contact details below. You may also approach the Federal Competition and Consumer Protection Commission or another competent authority. Privacy-related complaints may be made to the Nigeria Data Protection Commission.

The version accepted at the time of payment will ordinarily govern that transaction. AFC may update this Policy prospectively and will publish the effective date. AFC will not retrospectively reduce an accrued refund right.

Contact details

Customer Support