Interim version: this is our current wording in plain language, and we may update it. The version shown at the time of payment applies to you; the last update date is at the bottom of the page.
Before you pay
We show the fees and what they cover before you pay, each on its own, and we state the refund policy of each service before payment.
Refunds
You can ask for a refund before the service opens.
After the service opens the fee is refunded only when there is a technical fault on our side that we could not solve.
If money was deducted and the service did not open, write to us with your order details and we will review it.
Professional and educational record
The professional and educational record is not deleted because of a refund; its status is updated and the change log is kept.
How to ask
Send your request with the order number to the email below and we will reply.
For questions about your own case write to info@elmaaref.com
Last updated: 2 November 2026. · All policies