Refund Policy

This Refund Policy explains when and how you can get a refund for a purchase on CTI Academy (https://ctiacademy.io). CTI Academy is operated by CTI Academy Bilgisayar Programlama Faaliyetleri Limited Sirketi ("CTI Academy", "we", "us" or "our"). By making a purchase, you agree to this policy. It does not limit any rights you have under consumer protection law (see section 8).

CTI Academy sells digital subscriptions to an online cybersecurity and threat intelligence training platform. There are no physical goods and nothing is shipped. Access starts as soon as your payment is confirmed. Current plans and prices are listed on our pricing page: • Free: no payment is taken, so there is nothing to refund • Premium, billed monthly or yearly: access to every learning path and the premium features listed on the pricing page • Student, billed monthly or yearly: the same access as Premium at a reduced price, for verified students at partner universities • Enterprise: team plans sold under a separate written agreement

Our order process is conducted by our online reseller Polar Software, Inc. ("Polar"). Polar is the Merchant of Record for all Premium and Student purchases made on our website: it runs the checkout, takes the payment, collects applicable sales tax or VAT, issues your invoice and issues approved refunds. Polar's Buyer Terms also apply to your purchase. Subscriptions bought through our previous payment provider, before we moved our checkout to Polar, do not renew and are not charged again. They stay active until the end of the period already paid for, and refund requests for them are handled by CTI Academy directly under the rules below.

• You can cancel a Premium or Student subscription at any time from the subscription section of your account, or by emailing us • Cancelling stops the next renewal. Your premium access stays active until the end of the period you have already paid for • Nothing is deleted from your account when a subscription ends. Premium features simply lock again, and your progress is kept • Deleting your account (Settings, under Security) also stops the next renewal, but it does not refund the time left by itself. If you are eligible for a refund under this policy, request it before you delete your account. After a deletion we can still find your payment through Polar with the order number on your receipt

Monthly subscriptions (Premium and Student): • A monthly payment is non-refundable once the billing period has started, and we do not refund partial months • To avoid the next charge, cancel before your renewal date Annual subscriptions (Premium and Student): • You can request a full refund within 14 days of purchase • After 14 days, we review requests case by case and may offer a partial refund for the unused months Charges made in error: • If you were charged twice, or charged after you cancelled, we refund the incorrect charge in full Problems on our side: • If a technical problem on our side keeps you from using a paid plan and we cannot fix it within a reasonable time, we refund or credit the affected period Discounts and promotions: • Refunds are based on the amount you actually paid after any discount or coupon Enterprise plans: • Refund and cancellation terms for Enterprise plans are set in the written agreement for that plan

Email [email protected] with the subject line "Refund Request" and include: • The email address of your CTI Academy account • The order number from your receipt, or the date and amount of the charge • A short reason for the request We aim to reply within one business day and to decide on refund requests within 5 business days. You can also contact Polar directly at [email protected] about a purchase made through Polar.

• Approved refunds go back to the original payment method, in the currency of the original charge • Refunds are usually processed within 10 business days of approval. Your bank or card issuer may take a few more days to show the money in your account

Please contact us before opening a chargeback with your bank. Most problems are solved faster by email, and we will work with you to resolve them. This does not limit your right to dispute a charge with your card issuer.

This policy does not affect the rights you have as a consumer under the laws of your country, including consumer protection laws in the European Union, the United Kingdom and Turkey, which cannot be waived by contract. If you believe you are entitled to a refund under those laws, contact us with the details of your claim.

We may update this policy from time to time. The version in effect at the time of your purchase applies to that purchase. The date at the top of this page shows when it was last changed.

If you have a question about this policy or need help with a refund, contact our support team: Email: [email protected] Company: CTI Academy Bilgisayar Programlama Faaliyetleri Limited Sirketi, registered in Turkey Address: Cagis Mah. Cagis 15 Sk. Balikesir Teknokent No:2 Ic Kapi No:11 Bigadic/BALIKESIR, Turkey We answer support email Monday through Friday, 9:00 AM to 6:00 PM (Turkey Time).