Refund policy

1. Programme fees

• You withdraw before onboarding starts (20 December 2026 for the January 2027 cohorts): 100% of what you paid.
• You withdraw after onboarding starts but before the first session: 75% of what you paid. [Why 25% is kept after onboarding starts: to be confirmed by our lawyer.]
• You withdraw after the first session: no refund of fees already paid. No further instalments are due after your withdrawal date.
• We cancel or postpone the programme, or you are not given a place after paying: 100%, or a transfer to the next cohort if you prefer.
• Your place is removed because you gave false information: no refund.

Instalments. For either programme, if you withdraw before an instalment is due, you do not have to pay that instalment, and you owe nothing further. The refund of what you have already paid follows the list above.

When we do not deliver. The "no refund after the first session" rule does not apply if we fail to provide the programme as described, or if you have another refund right under the law. In those cases we will refund you fairly for what you did not receive.

2. Payment errors

• If you are charged twice, charged but see an error, or charged the wrong amount, tell us within [30 days]. We will check with our payment provider and refund the extra or wrong amount in full.
• If you paid and your place was not confirmed because of a technical fault, we will confirm your place or refund you in full.

3. How to ask

1. Email payments@lumiereresources.org with your name, your application reference and your payment reference.
2. We will reply within [3 working days]. The programme manager and the Executive Director approve every refund.
3. Once a refund is approved, we tell you the date of approval and send it to your original payment method within [10 working days] of that date. The date the money reaches you depends on your bank or the payment provider, which may take longer; we will tell you when we have sent it.
4. Refunds are paid in the currency you paid in. [Whether payment provider fees are deducted is to be confirmed.]
5. A refunded place goes back to the waitlist and your access to session links ends after review.

4. Scholarships

Scholarship fee reductions are not paid out in cash. If you withdraw, you receive a refund only of the amount you actually paid.

5. Donations

Donations are not refundable, except where made in error or by mistake of amount, reported within [14 days]. No claim is made that donations are tax-deductible until this is confirmed. Receipts show that Lumiere Resources received the donation on behalf of the programme.

6. Consulting deposits

Lumiere Advisory deposits and fees are set out in the engagement agreement for each client.

7. Chargebacks

You can always dispute a payment with your bank or card provider; nothing in this policy limits that right. We encourage you to contact us first, because we can usually put things right faster, but you do not have to.

8. Your legal rights

This policy does not limit rights you have under Nigerian consumer law, including the Federal Competition and Consumer Protection Act 2018. Lumiere Resources Ltd, which receives your payment, is responsible for refunds.