Refund Policy

Last updated: September 2026

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

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.

By enrolling on the Financial Intelligence Programme, learners agree to the terms outlined in this Refund Policy, subject to any statutory rights that apply.

Cooling-Off Period (14 Days)

Where the learner is a consumer, they will normally have the right to cancel their enrolment within 14 calendar days of entering into the contract, subject to the applicable provisions of UK consumer law.

If the learner expressly requests that programme services begin during the 14-day cancellation period and subsequently cancels within that period, Acwila may be entitled to charge an amount proportionate to the services supplied up to the time of cancellation, where permitted by law.

Where digital content is supplied during the 14-day cancellation period, separate statutory requirements apply, including requirements relating to the learner's express consent to early supply and acknowledgement of the effect this may have on their right to cancel.

Cancellation requests should be submitted in writing to info@acwila.com.

Nothing in this Refund Policy affects the learner's statutory rights.

Refunds for Future Terms

The refund provisions apply subject to any statutory rights or remedies available to the learner.

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

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

No refunds will be issued for courses scheduled within that term.
Attendance at live sessions is not required for the term to be considered active.
Assignment submission is optional and does not affect refund eligibility.
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:

Any completed or started courses will be charged at the full individual course rate as stated under the Professional Development Route.
Future scheduled courses may be refunded where notice requirements are met.
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:

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

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

Deferral requests do not automatically entitle learners to a refund.

Payment Plans

Where a payment plan is selected, the learner agrees to pay the full programme price stated at the time of enrolment according to the agreed instalment schedule.

A payment plan enables the programme price to be paid by instalments. It does not create a month-to-month enrolment or provide an option to cancel individual future instalments.

Where a learner withdraws from the programme, any refund or outstanding payment obligation will be determined in accordance with this Refund Policy, the applicable terms of enrolment and the learner's statutory rights where applicable.

Where an instalment becomes overdue, Acwila may suspend access to the programme until the account is brought up to date.

Late Enrolment After Term Start

Where a learner enrols after a term has already started, any applicable statutory cancellation rights continue to apply.

Where the learner requests that programme services or digital content are provided during the 14-day cancellation period, the provisions set out under Cooling-Off Period (14 Days) above will apply.

Following the expiry of any applicable cancellation period, the standard refund provisions set out in this policy will 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:

Payments are made directly to the third-party provider.
Refunds are governed by the third-party provider's policies.
Acwila Ltd does not issue refunds for third-party programme fees.

Refund Processing Time

Where refunds are approved:

Refunds will be processed within 28 days of approval.
Refunds will be issued using the original payment method where possible.
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:

Full name.
Programme or course name.
Reason for withdrawal.

Requests are reviewed in accordance with this policy.

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