Refund Policy

Ask within 14 days of paying and we will refund you in full — whether you used the product heavily, barely, or not at all. We do not pro-rate it, and we do not ask why.

The reason it is unconditional is simple: our users are students and their parents, often paying with money that is not easily spared. A refund policy with conditions attached is a policy designed not to pay out.

Email hello@handbook.ng from the address on your account, with the word refund in the subject. That is the whole process.

We will confirm within two working days and submit the refund to Paystack at the same time. Paystack typically returns the money to a Nigerian card in 5–10 working days; the exact timing is your bank's, not ours. International cards can take longer.

Your access continues until the refund is processed, then ends.

Outside the window we do not refund as a matter of course, because plans are sold as a fixed term and nothing renews automatically — there is no surprise charge to reverse.

But we will refund the unused part of your term, at any point, if:

We broke something significant and could not fix it in reasonable time. We closed your account for a reason other than a breach of the Terms. We changed the terms materially and you did not accept the change.

And if something genuinely unexpected happened — a bereavement, a serious illness, an exam that was cancelled — email us and explain. These are handled by a person, not a policy.

If you were charged twice for the same thing, or charged an amount that does not match the plan you chose, that is our error and it is refunded in full regardless of how long ago it happened. Tell us and we will fix it — you do not need to be inside any window.

Please email us before disputing a charge with your bank. A chargeback takes weeks, freezes your account while it runs, and costs us a fee even when we agree with you. Emailing us is faster for you in almost every case.

We will never contest a chargeback for a payment we would have refunded anyway.

Donations made through our donate page are gifts, not purchases, and are not refundable — though if you donated by mistake, email us and we will sort it out.