1. Operator
The Investing Universe is operated by The Investing Universe Pty Ltd (ACN 700 534 792).
2. Digital Subscriptions
Investing Universe sells access to a digital education service. Subscriptions are billed in advance for the plan period you select. We generally do not offer refunds for change of mind, partial billing periods, or unused time.
3. Cancelling Your Subscription
You may cancel your subscription at any time and will retain access until the end of your current billing period. Cancellation stops the next automatic renewal. No partial refunds are issued for unused time within a paid period.
4. Your Rights Under Australian Consumer Law
Nothing in this Refund Policy excludes, restricts or modifies any consumer guarantees or rights you have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other law that cannot lawfully be excluded. If the service is not supplied with due care and skill, is not fit for its stated purpose, or otherwise fails a consumer guarantee, you may be entitled to a remedy — including a refund, replacement, or repair — as required by law.
5. Billing Issues or Disputes
For any billing issues, refund enquiries, or consumer-guarantee claims please contact us at contact@theinvestinguniverse.com and we will respond promptly.
6. Purchases Through Apple or Google
Subscriptions bought through the Apple App Store or Google Play are billed and refunded under the terms of those stores. Refund requests for App Store or Play Store purchases must be made directly to Apple or Google.