BIA Refund Policy

This Refund Policy applies to your purchase of the Broker Institute of Australia Program from BIA. The Course is a digital information product and access is provisioned immediately on enrolment.

This policy sets out when refunds are available. It reflects, and does not seek to exclude, your rights under the Australian Consumer Law, being Schedule 2 of the Competition and Consumer Act 2010 (Cth).

Under the Australian Consumer Law, services supplied by BIA come with consumer guarantees that cannot be excluded, restricted or modified. These guarantees include that services will be supplied with due care and skill, be reasonably fit for any purpose made known to us, and be supplied within a reasonable time.

If we fail to comply with a consumer guarantee, your rights depend on whether the failure is a major failure. If the failure is a major failure, you may choose to cancel the Agreement and obtain a refund of amounts paid that relate to the part of the services not yet supplied, or keep the Agreement and recover compensation for any reduction in value. If the failure is not a major failure, you may require us to remedy the failure within a reasonable time.

There is no statutory cooling-off period for online purchases of digital information products in Australia, and we do not offer one as a matter of contract.

Once you have completed checkout and access has been provisioned, you do not have a right to a refund because you change your mind, change your career direction, do not have time to complete the Course, do not access or use the Course, do not achieve a particular outcome, are dissatisfied with the style or format, find similar information elsewhere, or experience a change in personal, financial, health, family or business circumstances after enrolment.

None of these items is, on its own, a basis for a refund.

Examples of what may amount to a major failure include where we are unable to provide access to the Course at all, the Course is materially different from what was described on our website at the time of purchase, the Course Content is so seriously deficient that a reasonable consumer would not have purchased it had they known, or we cannot remedy a non-major failure within a reasonable time after you notify us.

Minor technical interruptions, updates or substitutions of comparable content, stylistic dissatisfaction, or minor errors that we promptly correct will not ordinarily amount to a major failure.

If you consider that you have a right to a refund under the Australian Consumer Law, email info@brokerinstituteofaustralia.com.au with the subject line Refund Request - [Your Full Name] and include your order number, checkout email address, payment date and amount, a clear description of the failure you rely on, and any supporting evidence.

We will acknowledge your request within two (2) Business Days and provide a written outcome within ten (10) Business Days. Where the matter is genuinely complex, we will write to you with a revised timeframe and the reason.

Where a refund is approved, it will be processed to the original payment method only, net of the value of any part of the services already supplied that was unaffected by the failure, paid within fourteen (14) Business Days of approval, and accompanied by a credit tax invoice where required.

Bank or card issuer processing times may add a further three to five (3-5) Business Days before funds appear in your account.

Subject only to your non-excludable rights under the Australian Consumer Law, the following amounts are non-refundable: administration fees, late fees, third-party costs you incurred in connection with the Course, amounts paid for live or scheduled events you did not attend where the event proceeded as scheduled, optional add-ons or upgrades where used or consumed, and amounts paid in connection with separate products or third-party referrals.

Where a refund is approved, the related part of the Agreement is treated as terminated. Your Course access, community access and related services may be revoked, remaining scheduled instalments may be cancelled, any completion claim or certificate may be revoked, and you must delete or destroy downloaded Course Content.

If you initiate a chargeback or payment dispute without first contacting us under this policy, we may defend the chargeback and treat that conduct as a breach of the Agreement. If you receive a refund, you may not re-enrol using a different identity, payment method or email address. Bad-faith refund requests may be rejected or escalated.

If you are not satisfied with our refund decision, you may escalate the matter through the BIA Complaints Handling Policy. You retain your right to pursue any external remedy available to you, including through a relevant State or Territory consumer protection body, the ACCC, or the courts.