5Khoka Refund & Digital Access Policy

1. Digital Products

5Khoka primarily offers digital products and services, including eBooks, digital learning resources, assessments, calculators, downloadable materials, subscriptions, and other online content.

2. Access to Digital Content

Access to purchased digital products is provided after successful payment and completion of the purchase process. Users are responsible for maintaining the confidentiality of their account credentials.

3. Refund Policy

Unless otherwise required by applicable law, or expressly approved by 5Khoka in writing, payments made for digital products, subscriptions, memberships, or digital access are generally non-refundable once access has been granted.

Refunds will not ordinarily be provided for reasons including, but not limited to:

• Change of mind.
• Expectation mismatch.
• Failure to complete or use the content.
• Perceived lack of usefulness.
• Financial outcomes different from personal expectations.
• Lack of device compatibility that was disclosed in advance.
• Failure to read the product description or platform requirements before purchase.

4. Exceptional Circumstances

5Khoka may, at its sole discretion, consider refund requests in exceptional situations such as:

• Duplicate payment.
• Incorrect billing due to a verified technical error attributable to 5Khoka.
• Failure to provide purchased digital access due to a technical issue that cannot reasonably be resolved.

Any approved refund will be processed through the original payment method, where practicable.

5. Cancellation of Access

5Khoka reserves the right to suspend or terminate access without refund if a user:

• Shares login credentials.
• Distributes or reproduces protected content without authorization.
• Misuses the platform.
• Violates the User Agreement, Terms & Conditions, or applicable laws.

6. Policy Updates

5Khoka may revise this Refund & Digital Access Policy from time to time. The latest version published on the official 5Khoka platform shall apply.

7. Contact

For payment, refund, or access-related queries, users may contact 5Khoka through the official support channels available on the platform.