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Refund Policy

Last updated: April 2026

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This Refund Policy applies specifically to fees paid to Acwila Ltd for participation in the Financial Intelligence Programme (FIP).

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The Financial Intelligence Programme is the only programme delivered directly by Acwila Ltd. Where Acwila Ltd supports applications to programmes delivered by third-party providers, payments for those programmes are made directly to the relevant provider and are subject to that provider’s refund policies.

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By enrolling on the Financial Intelligence Programme, or by paying a course fee or first instalment under a payment plan, learners agree to the terms outlined in this Refund Policy.

Cooling-Off Period (14 Days)

In accordance with UK consumer law, you have the right to cancel your enrolment within 14 calendar days of payment. During this period:

  1. You may request a full refund.

  2. This applies provided you have not accessed course materials or attended live sessions.

  3. Refund requests must be submitted in writing to info@acwila.com.

 

If course access has been granted and used during the cooling-off period, refunds may be reduced or declined where services have already begun with your consent.

Refunds for Future Terms

Where a learner withdraws from future scheduled courses or terms, the following applies:

  1. A full refund will be issued for courses scheduled in future terms, provided that written notice is received no later than 28 days before the start of the relevant term.

  2. Requests received less than 28 days before the start of a term may not be eligible for a refund.

  3. Refund eligibility applies only to courses that have not yet started.

Refunds will be issued using the original payment method where possible.

No Refunds After a Term Has Started

Once a programme term has started:

  1. No refunds will be issued for courses scheduled within that term.

  2. Attendance at live sessions is not required for the term to be considered active.

  3. Assignment submission is optional and does not affect refund eligibility.

  4. Failure to attend sessions does not constitute withdrawal or cancellation.

However, courses scheduled in future terms may still be refunded where notice requirements are met.

Refunds Within Diploma Pathways

Where learners are enrolled on a Diploma pathway, courses may be priced at a discounted programme rate. If a learner withdraws from a Diploma pathway:

  1. Any completed or started courses will be charged at the full individual course rate as stated under the Professional Development Route.

  2. Future scheduled courses may be refunded where notice requirements are met.

  3. Refund values will be adjusted to reflect the difference between discounted Diploma pricing and standard individual course pricing.

 

This ensures pricing remains consistent with individual course enrolment structures.

Withdrawal After Multiple Terms

Where withdrawal occurs after completion of one or more terms:

  1. No refunds will be issued for completed or started terms.

  2. Refunds may apply only to future courses where notice requirements are met.

 

Refund values will reflect the pricing structure applicable to courses already completed.

Deferral Requests

Learners who are unable to attend a scheduled course term may request to defer their place to a future term, subject to approval and availability.

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Full details regarding deferral eligibility, programme timelines, and completion requirements are outlined in the Financial Intelligence Programme Terms & Conditions.

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Deferral requests do not automatically entitle learners to a refund.

Payment Plans

Where payment plans are used:

  1. Payments remain due according to the agreed schedule.

  2. Withdrawal does not automatically cancel outstanding payment obligations.

  3. Refund eligibility will be assessed in accordance with this policy.

 

Where refunds apply:

  1. Refund values will reflect payments received to date.

  2. Outstanding balances may still be payable depending on services delivered.

Sponsored Learners

Where a learner is sponsored by an employer or third party:

  1. Refunds will be issued to the original payer.

  2. Payment responsibility remains with the sponsoring organisation unless otherwise agreed.

Late Enrolment After Term Start

Where a learner enrols after a term has already started:

  1. The 14-day cooling-off period still applies.

  2. If withdrawal occurs within 14 days of enrolment, a full refund will be issued.

  3. After the cooling-off period ends, standard term rules apply.

Third-Party Programmes

Acwila Ltd may provide eligibility assessments and application support for programmes delivered by third-party providers. Where learners enrol on third-party programmes:

  1. Payments are made directly to the third-party provider.

  2. Refunds are governed by the third-party provider's policies.

  3. Acwila Ltd does not issue refunds for third-party programme fees.

Refund Processing Time

Where refunds are approved:

  1. Refunds will be processed within 28 days of approval.

  2. Refunds will be issued using the original payment method where possible.

  3. Bank transfer refunds may require additional processing time.

How to Request a Refund

Refund requests must be submitted in writing to info@acwila.com. Your request should include:

  1. Full name.

  2. Programme or course name.

  3. Reason for withdrawal.

 

Requests are reviewed in accordance with this policy.

This Refund Policy applies only to payments made directly to Acwila Ltd.

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