We want customers to understand what they are purchasing before completing an order. Because many MLO Study Buddy products provide immediate access to digital educational materials, different refund rules may apply depending on the product or service purchased.

Digital Products

Unless otherwise stated at the time of purchase, sales of digital products are final once access to the product or downloadable materials has been provided.

Digital products may include study guides, printable flashcards, audible flashcards, practice tests, courses, worksheets, workbooks, downloadable materials, bundles, and other digital study resources.

Please review product descriptions carefully before purchasing to make sure the product is appropriate for your study needs.

Duplicate or Accidental Purchases

If you believe you were charged more than once for the same purchase or accidentally purchased a product you already own, please contact us promptly. We will review the transaction and correct verified duplicate charges when appropriate.

Technical Access Issues

If you experience difficulty accessing a product you purchased, please contact us so we can assist you. A technical or login issue does not automatically qualify a purchase for a refund when we are able to restore or provide access to the purchased materials.

Tutoring and Paid Sessions

Tutoring appointments and other paid scheduled sessions require advance preparation and reserved instructor time. Cancellation, rescheduling, no-show, and refund eligibility may be subject to the terms presented when the session is booked.

Customers should review the applicable scheduling and cancellation terms before booking a tutoring or paid study session.

Free Products and Resources

Products, classes, study resources, or other materials provided at no cost have no monetary value eligible for refund.

Exam Results

Purchasing or using MLO Study Buddy products or services does not guarantee a passing score on the SAFE MLO Exam or any other examination.

Failing an examination, not completing the study materials, or deciding not to take an examination does not by itself qualify a purchase for a refund.

Exceptional Circumstances

We understand that unusual circumstances can occur. MLO Study Buddy may, at its discretion and where permitted by law, review individual refund requests on a case-by-case basis. Any exception does not create an obligation to provide the same exception for future purchases or customers.

Refund Processing

When a refund is approved, it will generally be issued to the original payment method. Processing times may vary depending on the payment provider or financial institution.

Contact Us

If you believe there is a billing error, duplicate charge, access problem, or other issue with your purchase, please contact MLO Study Buddy through the Contact page on our website.