Refund Policy
Effective 16 October 2026 (version 2026-10-16)
This policy explains when Dennis Kimanzi George, trading as Luvaro AI Academy ("Luvaro AI Academy", "we", "us", "our") refunds a payment for an Advanced Module. Modules are digital content that you can open as soon as they are unlocked, so refunds are limited to the cases below. This policy does not take away any right you have under Kenyan consumer law.
1. In short
If we do not unlock a module you paid for within 24 hours, you get a refund or the module.If you paid twice or the wrong amount because of our error, we refund the extra payment.If you change your mind, you can ask within 7 days of the unlock, as long as you have not gone far into the module (see 2D).After you earn a certificate for a module, that module is not refundable.2. When we refund
A. Not unlocked. We confirmed your payment, or you sent a valid payment, and the module did not unlock within 24 hours. We unlock it, or refund you if you prefer.B. Double or wrong payment. You paid for the same module twice, or we asked for a price and you were charged more. We refund the extra amount.C. We cannot give you what you paid for. The module cannot be opened or a major part, such as the videos or assessment, does not work because of a fault on our side and we have not fixed it within 7 days of you telling us.D. Change of mind. You ask within 7 days of the unlock, you have completed less than 20% of the lessons, you have not taken the assessment, and no certificate has been issued for that module.3. When we do not refund
A certificate has been issued or the assessment has been passed for the module.The 7-day period has passed, or you have completed more than 20% of the lessons or have taken the assessment, unless 2A, 2B or 2C applies.Your account was closed because you broke the Terms, for example by sharing the account, copying the content, cheating, or entering a false M-Pesa code.You paid to the wrong number or the wrong person. We will still try to help, but we cannot refund money we did not receive.You did not like the style, or the module did not lead to work. Training does not guarantee work or income.4. How to ask for a refund
Email kimanzidennis939@gmail.com with: your name, the email you registered with, the module, the M-Pesa confirmation code, the phone number you paid from, and the reason. Please ask within the periods above.
5. How we decide and pay
We reply within 3 working days.Approved refunds are sent by M-Pesa to the phone number that made the payment within 7 working days.If the refund is for our mistake (2A, 2B or 2C) we pay the full amount. For a change-of-mind refund (2D), mobile-money charges that cannot be recovered may be deducted.When a refund is paid, the module is locked again and any certificate for it is withdrawn.6. Disputes with your mobile-money provider
Please contact us before you open a dispute with M-Pesa or your bank. Most problems can be solved faster by email.
7. Price changes and offers
If a price falls or a discount starts after you pay, the earlier payment is not refunded for the difference unless we say so in the offer.
8. Contact
Email: kimanzidennis939@gmail.com · Phone: 0796 158 796 · Address: [Add your postal or physical address], Kenya
