Hayio Academy Refund Policy

This policy explains how cancellation and refund requests are handled for Hayio Academy programmes. It should be read with the Academy Terms and the learner’s enrolment offer.

A learner may request cancellation before onboarding or the first scheduled session.

Hayio will refund the amount paid, less any reasonable administrative or non-recoverable costs that were clearly disclosed in the learner’s enrolment offer before payment.

Where a learner cancels after the programme has started:

• Sessions already delivered are not refundable.
• Missed sessions that count as delivered under the attendance policy are not refundable.
• Resources, licences, examinations, cloud credits, paid laboratories or third-party services already supplied or purchased for the learner may be deducted.
• Any refund will be calculated from the undelivered portion of the programme, less reasonable and clearly disclosed costs.

If Hayio cancels a programme or is unable to provide the agreed service, the learner will receive:

• A suitable replacement or rescheduled service, where accepted by the learner; or
• A refund for the portion of the programme that Hayio did not deliver.

Nothing in this policy removes any right a learner may have where the service was not delivered, was materially different from what was agreed, or was defective.

Payments made to certification bodies, cloud providers, laboratory platforms, software vendors or other third parties are refundable only where the relevant third party provides a refund.

• A learner must provide at least 24 hours’ notice when requesting to reschedule a one-on-one session.
• A session missed without the required notice may be treated as delivered.
• If Hayio or the assigned mentor cancels a session, the session will be rescheduled without additional charge.

Refund requests must be sent to info@hayio.net and include:

• Learner’s full name
• Selected programme
• Payment reference
• Reason for the request

Hayio will acknowledge the request and communicate the outcome and applicable calculation in writing.

Approved refunds will be returned through an appropriate payment method within the period communicated in the written approval.

This policy does not exclude or limit rights that cannot legally be excluded under applicable Nigerian consumer-protection law.