IGBS–SBDG Refund, Cancellation & Transfer Policy

This Refund, Cancellation & Transfer Policy applies to all training courses, workshops, professional programs, and related educational services provided by IGBS–SBDG for Training & Consultation, unless specific terms are stated for a particular program.

1. Cancellation and Refund Before the Course Start Date

Participants are entitled to a 100% refund of the training fee if a written cancellation request is submitted seven (7) calendar days or more before the official course start date.

2. Cancellation Within 48 Hours or After Course Commencement

No cash refund will be provided where:

• The cancellation request is submitted within 48 hours of the official course start date.
• The participant has attended any part of the training program.
• The participant has accessed online learning materials, recorded sessions, digital resources, platforms, course files, or other protected training content.

3. Transfer to Another IGBS–SBDG Program

Where a participant is not eligible for a cash refund, IGBS–SBDG may allow the participant to transfer the eligible paid training amount to another IGBS–SBDG course or program.

The transferred credit must normally be used within six (6) to twelve (12) months from the date of the original payment, subject to course availability, applicable fees, and approval by IGBS–SBDG.

Any difference in the price of the replacement course must be paid by the participant.

4. Cancellation or Material Rescheduling by IGBS–SBDG

If IGBS–SBDG cancels a program or makes a material change to the scheduled date, timing, delivery format, or other essential conditions of the program, affected participants may choose between:

• A 100% refund of the eligible training fees paid, or
• A 100% credit of the eligible amount toward another IGBS–SBDG program.

This provision does not apply to minor scheduling adjustments that do not materially affect the participant's ability to attend the program.

5. Non-Refundable Fees

The following fees are non-refundable once they have been paid, committed, processed, or transferred to an external organization or service provider:

• Registration fees
• Examination fees
• Certification fees
• International accreditation fees
• Membership fees
• Third-party provider fees
• Courier or certificate delivery charges
• External platform or licensing fees
• Any other charges paid by IGBS–SBDG to an external body on behalf of the participant

Any refund due to the participant will therefore be calculated after deducting applicable non-refundable third-party charges.

6. Refund Requests

All refund requests must be submitted in writing through an official IGBS–SBDG communication channel and must include:

• Participant's full name
• Course or program name
• Registration details
• Payment receipt or proof of payment
• Reason for requesting cancellation
• Relevant payment information where required

The date on which IGBS–SBDG receives the written request will be considered the official cancellation date.

7. Refund Processing

Approved refunds will normally be processed within 10–14 business days from the date of final approval.

Where reasonably possible, the refund will be made through the original payment method used by the participant.

Bank charges, payment gateway fees, currency conversion charges, or other transaction costs may be deducted where applicable and legally permitted.

8. Promotional and Discounted Programs

Training programs purchased under special promotions, scholarships, bundles, corporate agreements, installment arrangements, or discounted offers may be subject to additional or different refund conditions communicated at the time of registration.

9. Participant Substitution

Subject to prior written approval by IGBS–SBDG, a registered participant may nominate another eligible participant to attend the same program instead of requesting cancellation, provided that the request is made before the course starts and no non-transferable third-party registration or certification has already been completed.

10. Acceptance of the Policy

By registering for and/or making payment for an IGBS–SBDG program, the participant acknowledges that they have read, understood, and agreed to this Refund, Cancellation & Transfer Policy.

IGBS–SBDG reserves the right to update this policy from time to time. The policy applicable to a participant will normally be the version in effect on the date of registration and payment.