Refund & Cancellation Policy

Effective date: 30 October 2026 · Last revised: 21 October 2026

SpeakOS aims to make learning accessible, transparent and worthwhile. This Policy explains when you can request a refund, how cancellations work and what happens if we cannot deliver a paid service. It applies to eligible purchases made through SpeakOS, without limiting mandatory consumer rights under applicable law.

1. Free programmes

Free offerings, including a free introductory Voice Reset programme where available, can be discontinued at any time. No refund is due for a programme for which no amount was paid.

2. Paid programmes

Paid learning programmes may include Communication Reset (7 days), Confidence Accelerator (14 days), Professional Presence (28 days) and Communication Mastery (40 days). The description, price, duration and included features will be displayed before checkout. These standard programmes are one-time purchases, unless an offering is specifically labelled as recurring.

3. Voluntary seven-day satisfaction window

Under this voluntary policy, you may request a refund within seven calendar days of purchase if you have completed no more than 30% of the purchased programme’s paid lessons. Completion is based on the platform’s recorded lesson status, not simply opening the website. The request should identify the original transaction. You do not need to prove a technical defect when requesting a refund that qualifies under this voluntary rule.

This voluntary rule is separate from and does not override refunds or remedies required by law. If legally required cancellation rights are broader, those rights take precedence.

4. Defective, unavailable or incorrectly charged services

Please contact us if:

• Your paid programme was not delivered or made accessible.
• You were charged twice or charged an incorrect amount.
• A material technical defect prevents access and is not resolved within a reasonable period.
• SpeakOS cancels a paid offering without providing an agreed suitable alternative.
• Applicable law otherwise requires a refund, repair, repeat performance or other remedy.

We will investigate and offer the appropriate remedy, regardless of ordinary lesson-completion thresholds when mandatory rights apply.

5. Stopping a programme

You may stop using a course whenever you wish. Stopping lessons does not itself submit a refund request or automatically entitle you to a proportional refund for unused days. Send requests to support@speakos.org within the applicable period. Any non-excludable consumer rights remain available.

6. Recurring subscriptions

Our standard structured programmes are one-time purchases and do not automatically renew. If SpeakOS later offers recurring subscriptions, the price, frequency, renewals, cancellation method and any applicable deadlines will be stated before authorisation. No recurring charge will be added to an earlier one-time purchase without appropriate authorisation.

7. Live classes and paid events

The following voluntary cancellation rules apply:

• Cancellations requested at least 48 hours before a paid event may qualify for a refund.
• Requests within 48 hours may be ineligible for a voluntary refund unless stated otherwise or required by law.
• If SpeakOS cancels an event, attendees may request a refund or choose a suitable alternative.
• If an event is materially rescheduled, a participant unable to attend the new date may request a refund.
• Simply failing to attend does not automatically result in a refund.

If an event has specific booking conditions, they will be disclosed before registration, subject always to mandatory rights.

8. Card and PayPal refunds

Approved refunds will normally be returned to the original card or PayPal payment method where that channel supports the refund. Final settlement time is determined partly by the applicable financial institution or payment provider.

9. Mobile money refunds

Where supported, approved mobile-money refunds will be sent using an available appropriate payment channel. We may request enough information to verify the original transaction and the intended refund destination. We will not request your password or mobile-money PIN.

10. USDT and USDC refunds

For eligible transactions paid in supported digital assets, SpeakOS will confirm the refund asset, network, eligible amount and destination wallet before processing. Where practical and lawful, the refund will be made using the original supported digital asset. Users must provide accurate compatible wallet details. Blockchain payments may be irreversible, but this does not eliminate otherwise applicable legal refund rights. Any permitted network or processing charges will be disclosed and dealt with according to applicable law.

11. Refund review and processing

SpeakOS aims to assess complete requests and initiate eligible refunds within 10 business days. Bank, mobile-money and blockchain settlement may take longer. A shorter mandatory legal deadline will prevail where applicable. If more verification is needed, we will explain what information is required.

12. How to request a refund

Email support@speakos.org with:

• Your registered SpeakOS email address.
• The programme or event purchased.
• Purchase date and transaction reference or proof of payment.
• A brief description of your request.

Do not send passwords, full payment-card numbers, private wallet keys or recovery phrases.

13. Account deletion and refunded access

Account deletion does not automatically create a refund. If you want both account deletion and a refund, contact us before closing the account so we can verify the transaction. Access to a programme may end after its purchase has been refunded. Account data handling is covered by the Privacy Policy.

14. Exceptional circumstances and policy changes

We may consider goodwill credits, transfers or exceptions where reasonable. This does not reduce legal rights. We may update this Policy prospectively but will not retrospectively remove rights attached to completed purchases. The effective date will be updated after material changes.

15. Contact

SpeakOS — Hire Africa Holdings
Email: support@speakos.org
Telephone: +265 881090544
Business locations: Lusaka, Zambia | Lilongwe, Malawi
Website: https://speakos.org

Our goal is simple: make learning accessible, transparent and worth your investment.