Return & Refund Policy

1. DEFINITIONS

In this Policy, unless the context otherwise requires, the following terms shall have the meanings set out below. Capitalised terms not defined herein have the meaning given in the Qualification Terms of Service (Professional Version) or the GTC.

2. WHAT THE FEE COVERS

2.1 The Fee is paid solely in consideration for access to the assessment infrastructure, technology platform, real-time market data feeds from US equity exchanges, analytical tools, evaluation processes and related digital services necessary to participate in the Qualification Program.

2.2 The Fee does not constitute payment for real trading capital, any form of profit share, compensation, guaranteed funding, employment, or any results-based outcome. All activity within the Qualification Program occurs in a simulated environment using notional capital and positions.

See Qualification Terms of Service (Professional Version) Section 3 for full detail on the nature and purpose of the Qualification Program.

3. GENERAL RULE – NO REFUNDS

3.1 Due to the immediate provisioning of digital access, the personalised nature of the assessment, and the consumption of infrastructure resources upon activation, all Fees are non-cancellable and non-refundable once a Qualification Program has been purchased and access has been provisioned, except to the extent strictly required by mandatory applicable consumer protection legislation in the participant’s jurisdiction of residence.

3.2 Where a statutory right to a refund or withdrawal exists (including any applicable Cooling-off Period for distance contracts), hi2morrow will honour such right in accordance with the requirements of the applicable law. In all other cases, no refund, partial refund, credit or return will be provided.

3.3 The strict non-refund policy protects the commercial integrity of the assessment process and prevents abuse of the Qualification Program as a low-cost testing or training facility without genuine commitment to the evaluation criteria.

4. NON-REFUNDABLE EVENTS

Without limiting the generality of Section 3, and except where mandatory law provides otherwise, no refund will be issued in any of the following circumstances:

5. STATUTORY AND MANDATORY CONSUMER RIGHTS

5.1 Nothing in this Policy affects any rights that cannot be excluded or limited under mandatory applicable law, including consumer protection legislation in the participant’s country of residence.

5.2 Where the participant is a consumer and the contract is concluded at a distance, any applicable Cooling-off Period under the EU Consumer Rights Directive (or equivalent legislation) shall apply. The right to withdraw normally expires upon commencement of performance of the digital service (i.e., upon provisioning of access or placement of the first simulated trade), provided hi2morrow has obtained the participant’s prior express consent and acknowledgement that the right will be lost.

5.3 In jurisdictions where mandatory law grants a right to a refund or remedy for defective digital content or services, hi2morrow will provide such remedy in accordance with the requirements of that law. Any such claim must be submitted in writing with full particulars within the time limits prescribed by applicable law.

See also GTC Section 10.6 (cooling-off) and Legal Disclosures Section 8.

6. PAYMENT DISPUTES AND CHARGEBACKS

6.1 If you believe a charge is unauthorised or incorrect, you must first contact support@hi2morrow.com in writing and provide full details so that hi2morrow may investigate and attempt to resolve the matter directly.

6.2 Initiation of a chargeback, payment dispute or reversal through your payment provider or bank, without first attempting direct resolution, may be treated as a material breach. hi2morrow reserves the right, to the extent permitted by law, to:

• suspend or permanently terminate access to the Qualification Program and all related Services;
• forfeit any eligibility, progress or results;
• retain all Fees paid; and
• recover any costs reasonably incurred in responding to the dispute.

6.3 hi2morrow may share relevant account and transaction data with payment processors, banks and fraud prevention agencies in connection with any chargeback investigation.

See GTC Section 9.7 and Qualification Terms of Service (Professional Version) Section 7.4.

7. TECHNICAL ISSUES AND THIRD-PARTY DEPENDENCIES

7.1 hi2morrow relies on third-party technology providers, market data vendors, cloud infrastructure and platform operators to deliver the Services. hi2morrow does not control the performance, availability or accuracy of such third-party systems.

7.2 Interruptions, outages, latency, data inaccuracies or other technical issues caused by third parties, internet service providers, participant equipment, software, network configuration or force majeure events do not give rise to any right to a refund, credit or compensation.

7.3 hi2morrow’s liability for technical failures is limited in accordance with the Limitation of Liability provisions in the Qualification Terms of Service (Professional Version) Section 12 and GTC Section 14.

8. RULES VIOLATIONS, TERMINATION AND DISQUALIFICATION

8.1 Any violation of the Qualification Program rules, risk parameters, prohibited trading practices or other terms set out in the Qualification Terms of Service (Professional Version) Section 5 and Section 8, or in the GTC Section 11, may result in immediate disqualification, termination of access and forfeiture of all Fees paid. No refund or credit will be issued in such circumstances.

8.2 hi2morrow’s determination that a rule violation or prohibited conduct has occurred is final for the purposes of this Policy.

8.3 Upon termination for breach, the provisions relating to intellectual property, confidentiality, limitation of liability, indemnity and governing law shall survive in accordance with the GTC Section 25 and Qualification Terms of Service (Professional Version) Section 10.

9. TAXES, CURRENCY AND PAYMENT PROCESSING

9.1 All Fees are stated inclusive of applicable taxes unless otherwise indicated at checkout. The participant is solely responsible for any additional taxes, duties, levies or charges imposed by their local tax authority or payment provider.

9.2 Payments are processed in the currency displayed at the time of purchase. Currency conversion fees, if any, are borne by the participant.

9.3 hi2morrow reserves the right to change accepted payment methods and to update Fees and parameters in accordance with GTC Section 9.5. Changes do not affect already purchased Qualifications.

10. SURVIVAL OF PROVISIONS

10.1 Termination or expiry of a Qualification Program or of access to the Services shall not affect any rights or obligations that by their nature are intended to survive, including but not limited to provisions concerning intellectual property, confidentiality, data usage, limitation of liability, indemnity, governing law and dispute resolution.

See GTC Section 25.4 and Qualification Terms of Service (Professional Version) Section 10.3.

11. GOVERNING LAW, JURISDICTION AND COMPLAINTS

11.1 This Policy is governed by and construed in accordance with the laws of the Republic of Cyprus, without regard to conflict of laws principles, subject to any mandatory consumer protection rights available in the participant’s country of residence.

11.2 Any dispute arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the courts of the Republic of Cyprus, subject to mandatory consumer protections.

11.3 Complaints regarding billing or refunds should be submitted in the first instance to support@hi2morrow.com. If unresolved, the matter may be escalated in accordance with the complaints procedure in GTC Section 23 and Qualification Terms of Service (Professional Version) Section 13.

12. CONTACT AND NOTICES

12.1 For all billing, refund and Policy queries, contact support@hi2morrow.com.

12.2 Formal notices under this Policy must be sent in writing to legal@hi2morrow.com or such other address as published on the Website.

12.3 All notices from hi2morrow will be sent to the email address registered in the participant’s Client Section.