Last updated: 5 May 2026

This policy explains when Talent Cognis issues refunds and when it does not.
It applies to every purchase made through talcog.com. Please read it before you
buy — by completing a purchase you confirm you have read and accepted it.

1. Everything we sell is a digital product

Talent Cognis sells digital products: interview preparation booklets,
downloadable guides, study material and, where offered, access to online
memberships and tools. Nothing we sell is shipped physically.

Access is granted immediately on payment. There is no delivery period, no
dispatch, and nothing to return.

2. Digital products are non-refundable

Once a digital product has been purchased, the sale is final and no
refund will be issued.

This is not an arbitrary restriction. Our booklets, guides and study materials
are proprietary content, written and maintained by Talent Cognis. The moment a
purchase completes, the material becomes accessible, readable and downloadable in
full. Unlike a physical item, it cannot be returned, withdrawn, or un-read. A
refund after access would mean the content has been supplied for nothing.

Accordingly, refunds are not available on the grounds that:

• you changed your mind after purchasing;
• you bought the wrong product by mistake;
• you did not read the product description before buying;
• you found the same or similar material elsewhere, free or paid;
• you did not use, open or download the product;
• the material did not produce a particular outcome — an interview, an offer,
  a job, or a pass in an assessment.

We describe every product clearly before purchase. If anything about a product
is unclear, contact us before you buy and we will answer.

3. Where we do issue a refund

There are a small number of situations where the fault is ours or the payment
system’s, and in those cases we will put it right:

3.1 Duplicate payment

If you were charged more than once for the same product in the same
transaction attempt, we will refund the duplicate charge in full.

3.2 Payment taken but access not granted

If your payment succeeded but the product was never made available to you, and
we are unable to grant access after you contact us, we will refund the purchase
in full.

3.3 Charged for something you did not buy

If a payment appears on your statement for a product you did not purchase,
report it to us and we will investigate and refund where the charge is not
attributable to you.

To claim under any of the above, contact us within 7
days of the charge at
contact@talcog.com with the order number,
the registered email address, and the date and amount of the payment.

4. Packages and access periods

Some products — job alert packages, candidate and employer plans — give
access for a fixed period rather than a permanent download. Where that
applies:

• Access runs for the period stated on the product, typically 30 days from
  purchase.
• Nothing renews automatically. There is no recurring billing and no
  subscription to cancel; a package simply ends when its period is up.
• A package that has been activated is not refundable, whether or not it was
  used, and part-used periods are not refunded pro rata.
• If a package was never activated because of a fault on our side, section 3
  applies.

5. How a refund is processed

Approved refunds are returned to the original payment method only. We cannot
refund to a different card, account or wallet.

Once we approve and submit a refund, it is processed through our payment
gateway. The time it takes to appear on your statement is determined by your bank
or card issuer and is outside our control — typically 5 to 10 working days.

6. Chargebacks

If you believe a charge is wrong, please contact us first. We will look at it
and, where clause 3 applies, refund it — usually faster than a bank dispute
would.

Raising a chargeback on a digital product that was delivered and accessed, in
circumstances where this policy provides no refund, may result in your account
and access being suspended.

7. Contact

For anything relating to a payment, an order, or this policy, write to
contact@talcog.com. Include your order
number and the email address used at purchase so we can find the transaction
quickly.

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