Refund policy

Last updated: March 21, 2026

ART. 1 – SCOPE OF APPLICATION AND DEFINITIONS

This policy exclusively governs the procedures for exercising the right of withdrawal and the refund processes related to the purchase of Digital Products, such as guides, checklists, and templates, E-learning Services provided through the IFG eCommerce Academy, and Professional Services including consulting, audits, and software development, all provided through the website www.ifgecommerce.com. "Consumer Customer" refers to a natural person acting for purposes outside their professional activity pursuant to Legislative Decree 206/2005. "Professional Customer" refers to any natural or legal person purchasing with a VAT number for professional purposes, to whom consumer protection laws do not apply unless otherwise agreed in writing between the parties.

ART. 2 – EXCLUSION OF THE RIGHT OF WITHDRAWAL FOR DIGITAL PRODUCTS

Due to the nature of the goods provided by IFG eCommerce®, which consist of digital content not supplied on a material medium with immediate availability via download or streaming, the Customer is hereby informed that the legal exception provided by Art. 59, letter o) of the Italian Consumer Code applies. The Consumer Customer expressly acknowledges and accepts that the 14-day right of withdrawal is entirely excluded once the execution of the contract has begun. For the purposes of this clause, execution is deemed to have begun at the moment the Customer downloads the file, opens the access link sent via email, or performs the first login to the restricted Academy platform. Upon completion of the order, the Customer provides their express prior consent to the commencement of execution and declares to accept the resulting and final forfeiture of the right of withdrawal.

ART. 3 – WITHDRAWAL AND REFUNDS FOR PROFESSIONAL SERVICES

For the provision of services such as strategic consulting, 1:1 sessions, and software maintenance or development services, the withdrawal policy is regulated as follows. The Consumer Customer may exercise the right of withdrawal within 14 days from the order date exclusively if the performance of the service has not yet begun, in which case they will obtain a full refund of the amount paid. If the performance has begun at the Customer's express request but has not yet been completed, the Customer shall be liable to pay the Owner an amount proportional to the services actually provided up to the moment of communication, calculated pro rata temporis based on the quote or hourly rate. The right of withdrawal is in any case excluded for professional services that have already been fully performed by the Owner, pursuant to Art. 59, letter a) of the Consumer Code.

ART. 4 – LACK OF CONFORMITY AND LEGAL WARRANTY

Pursuant to Legislative Decree 170/2021, the Owner is liable for any lack of conformity of the digital content existing at the time of supply. In the event of receiving a damaged or corrupted file, or a non-functioning access link, the Customer is burdened with reporting the technical issue within 14 days of discovery to the email address info@ifgecommerce.com. The Owner shall promptly and without additional charge restore the conformity of the good by sending a new copy of the file or performing a technical repair of the access link. Should the restoration of conformity prove technically impossible or excessively burdensome for the Owner, the Customer shall be entitled to an appropriate price reduction or termination of the contract with a relative refund of the price paid.

ART. 5 – LIMITATIONS AND EXCLUSIONS FROM REFUNDS

Requests for refunds or compensation based on the following reasons are not permitted under any circumstances. Technical incompatibility resulting from the lack of minimum hardware or software requirements necessary to use the products, provided such deficiencies are not attributable to the Owner, such as the inability to open Excel, PDF, or JSON files on obsolete devices or those lacking the necessary software. External obsolescence caused by structural changes, core updates, or API variations implemented by third parties, such as Shopify or third-party application developers, which render the educational content or templates partially or totally obsolete after the moment of purchase. Failure to achieve economic objectives, return on investment (ROI), or sales volumes, as the services provided constitute obligations of means and strategic training, the success of which depends on market and management variables independent of the Owner's work.

ART. 6 – REFUND REQUEST OPERATIONAL PROCEDURE

Every request for technical assistance or refund must be sent exclusively in writing to the address info@ifgecommerce.com, mandatorily indicating the reference Order Number in the subject line. Notifications for technical defects must be received within the mandatory term of 14 days from the discovery of the defect itself. The Owner undertakes to examine the request within 3 business days of receipt. In the event the refund request is accepted, it will be processed within 10 business days using the same payment method used by the Customer for the original purchase, unless otherwise expressly agreed.

ART. 7 – POLICY ABUSE AND TRADEMARK PROTECTION

The Owner actively monitors access and download logs to prevent fraudulent behavior. Should attempts at abuse be identified, such as the systematic downloading of educational materials followed by unfounded payment disputes or chargeback procedures, the Owner reserves the right to immediately suspend all access to services and to take legal action in the competent venues for the protection of its credit, corporate prestige, and the IFG eCommerce® registered trademark. In the event of a refund approved for any reason, the license of use granted for the materials ceases with immediate effect and the Customer is legally bound to the permanent destruction of every digital copy in their possession, with an absolute prohibition on further use or consultation.

ART. 8 – FINAL PROVISIONS

This returns and refunds policy constitutes an integral and essential part of the Site's General Terms and Conditions of Sale. The invalidity of a single clause does not affect the validity of the remaining provisions. For anything not expressly provided for in this document, the rules of the Italian Civil Code and the special laws in force in the Italian legal system shall apply. Any dispute shall be subject to the jurisdiction of the competent court identified in the General Terms and Conditions.