Refund Policy

01. Scope of This Policy

This policy applies to courses, programs and digital learning services purchased from Agency Learning Lab (SMC-PRIVATE) Limited through agencylearninglab.com or an authorized payment process.

02. Before Access Is Activated

You may request cancellation and a refund before your payment has been verified and digital course access has been activated.

If we cannot verify your payment, we will not activate access. We may request additional transaction evidence or arrange to return the verified payment through an appropriate available method.

03. After Digital Access Is Activated

Students should review the course description, included content, price, access arrangements and these terms before submitting payment.

04. Refund Exceptions

A refund or payment correction may be considered where:

• The same payment was charged or submitted more than once.
• A confirmed billing or payment-processing error occurred.
• We verified the payment but are unable to provide the purchased course access.
• A refund is required under applicable law.

A technical issue that can reasonably be corrected does not automatically qualify for a refund. Please contact support first so we can investigate and restore access.

05. How to Request a Refund

Send your request to info@agencylearninglab.com or contact our official support number on WhatsApp: +92 320 9040000 .

Your request should include:

• Your full name.
• Your registered email address and WhatsApp number.
• The course or program purchased.
• Payment date, amount and payment method.
• Transaction reference or payment screenshot.
• A clear explanation of the issue.

Never send your banking password, ATM PIN, one-time security code or cryptocurrency private key.

06. Review and Verification

Refund requests are reviewed against payment records, account status and course-access records. We may request reasonable information required to confirm the identity of the payer and verify the transaction.

We aim to acknowledge a complete refund request within two working days. The time required to complete an approved return may depend on the original payment method, bank, wallet or payment service.

07. Method of Refund

An approved refund will normally be returned to the original payer through the same payment method where reasonably possible.

If the original method cannot receive the return, an alternative method may be agreed after appropriate identity and transaction verification.

We are not responsible for processing delays imposed by banks, mobile wallets, blockchain networks or independent payment providers after an approved refund has been issued.

08. Payment Methods

Depending on the enrollment page, payment may be accepted through bank transfer, Easypaisa, JazzCash or USDT through Binance.

Agency Learning Lab does not provide virtual currency trading or exchange services. USDT is accepted only as an available method of paying for an educational program.

09. Relationship With Other Terms

This Refund Policy should be read together with our Terms and Conditions and Privacy Policy .

The same refund wording is displayed during enrollment before payment submission.