This Refund Policy sets out what happens to money paid on Khebretk. The short version is that a payment which succeeds is final and Khebretk does not refund it. It applies to every purchase on the marketplace — files, courses, and consulting sessions — and it binds clients and experts alike. By completing a payment you confirm that you have read and accepted it together with our Terms & Conditions.
1. What This Policy Covers
Khebretk collects every payment on the marketplace and delivers what it bought. This Policy covers what happens to that money afterwards: when it stays where it is, when it comes back, and who decides. It applies to files, courses and consulting sessions equally, and to every payment made through the platform whatever the amount, the product, or the expert. Your contract for the product itself is with the expert; Khebretk collects the payment and delivers the access on their behalf.
2. Payments Are Final
A payment that succeeds is final and Khebretk does not refund it. There is no refund window in this Policy — not seven days, not fourteen, not any number, because completed orders are not reversed at all. Digital products are delivered the instant a payment clears: a file becomes downloadable, a course opens in your account, a session is booked into the expert's calendar. You receive what you paid for immediately, and the purchase is complete at that moment. So decide before you pay. Read the listing, check what is included and what is not, and message the expert on WhatsApp if anything is unclear — every listing carries a contact number for exactly that purpose, and a question asked before a payment is free.
3. Downloadable Files
A file is delivered the moment your payment clears and is yours from that point, whether or not you have downloaded it yet. There is no cancellation and no return. A file that is missing, corrupt, locked, in a format the listing did not state, or materially different from what the listing described is a delivery problem rather than a refund question: tell the expert, and tell us at [email protected] if they do not put it right. What you are owed there is a working file.
4. Courses
A course opens in your account as soon as your payment clears, and access does not expire. There is no refund for a course — not if you have watched all of it, some of it, or none of it. If a course is missing content it promised, or has become inaccessible for reasons on the expert's side or ours, tell us and we will get the access working. If an expert unpublishes a course you already bought, your access continues; that is not a refundable event and it is not an event at all from your side.
5. Consulting Sessions
A booked session is a reserved hour in somebody's calendar, paid for in advance. There is no refund for a session, including one you do not attend and one you cancel. If you cannot make the time you booked, tell the expert as early as you can — most will move you to another slot, and that arrangement is between the two of you. If the expert does not appear, cancels, or cannot hold the session, they are expected to reschedule you or to settle it with you directly under Section 6. Sessions are advice and opinion, not a guaranteed outcome.
6. Money Returned by an Expert, by Agreement
Nothing in this Policy stops an expert from giving money back. An expert may agree with a client to return all or part of what they paid, for any reason the two of them think is fair, and many will — a session that went badly, a file that was not what somebody hoped for, a customer they want to keep. That arrangement is made directly between client and expert and settled directly between them, by Vodafone Cash, InstaPay, bank transfer, or however you both prefer. Khebretk does not process it, does not hold it, does not guarantee it, and does not arbitrate it. It does not reverse the original payment either: the sale stands in the expert's ledger, our commission on it is not returned, and the client keeps access to the product unless the expert asks us to withdraw it. If an expert promises you money back, that promise is the expert's.
7. What Khebretk Does Not Do
We do not refund a completed order. We do not reverse a payment because you changed your mind, bought the wrong product where the listing described it accurately, already owned it, did not have the device, software or prior knowledge the listing said you would need, did not care for the expert's opinion or teaching style, ran out of time for a course, or missed a session you booked. We do not hold money in escrow while a disagreement runs, and we do not decide disputes about the value of what an expert delivered — that is between you and the expert, who publishes a contact number for it. Where a delivery genuinely failed, we fix the delivery.
8. A Charge That Never Became an Order
There is one case in which money comes back from us, and it is not a refund of a purchase — it is a charge that never became one. Two things can go wrong at the payment step, and your Payments page names them differently on purpose. The ordinary one is a payment that fails at Paymob, our payment provider: your card is refused, nothing leaves your account, and no order exists. That payment reads "Failed from Paymob provider", there is nothing to return, and you are free to try again. The rare one is the reverse: Paymob takes the money and Khebretk cannot honour what it bought, because the consulting slot was taken while you were still on the payment page, or the expert removed the product mid-checkout. That payment reads "Payment done at Paymob provider but our system declined it". You were charged and received nothing, no expert was credited, and that money is returned to you. Contact support on WhatsApp from your Payments page — the message opens with every reference we need already in it — and we settle it by hand. This is the only circumstance in which Khebretk sends money back.
9. How to Raise a Problem
Message the expert first for anything about the product itself — what it covers, how to use it, a file that will not open, moving a session. Their number is on the listing and on your order, and they are expected to answer the people who paid them. Come to us at [email protected], or on WhatsApp from your Payments page, for anything to do with a charge, account access, or an expert who is not responding. Write from the email address on your Khebretk account and include the order reference and the date of the payment — a request from an address that is not on the account cannot be verified and will be delayed. A screenshot or a screen recording helps for anything technical.
10. How a Returned Charge Is Paid
Where Section 8 applies, the money goes back to the payment method that paid it, through Paymob, within 5 to 14 business days of us confirming the case. Your bank or wallet provider may take a few days more to show it. The amount returned is the amount charged, in Egyptian pounds; exchange-rate movements and any fee your own bank charges are outside our control. Nothing is returned to a different account or a different person than the one that paid.
11. What This Means for the Expert
Khebretk never claws back a completed sale, because Khebretk does not reverse completed sales. Money you choose to return to a client under Section 6 comes out of your own pocket after payout, and changes nothing in your dashboard: the order stays paid, the commission stays taken, and your balance is untouched. A charge under Section 8 never became a sale at all — it was never credited to you, so returning it costs you nothing. What this Policy asks of you instead is accuracy: describe what you are selling honestly, because a client who has paid cannot be made whole by us.
12. Chargebacks
Come to us before raising a chargeback with your bank. A chargeback takes weeks, freezes money while it runs, and costs a fee whatever the outcome — and where the problem is one we can actually fix, such as a delivery that failed or a charge under Section 8, we can settle it far faster. Raising a chargeback to reverse a purchase that was delivered as described may result in suspension of your account and loss of access to everything bought through it, and we may pass on the fees charged to us.
13. Your Statutory Rights
Nothing in this Policy limits rights you have under consumer-protection law that cannot be waived, including under Egypt's Consumer Protection Law. Where the law requires money to be returned beyond what is written here, the law applies. By buying digital content and taking delivery of it immediately, you ask for it to be supplied at once and accept that any statutory withdrawal period ends when supply begins, to the extent your law allows that.
14. Changes to This Policy
We may update this Policy. The version that applies to a purchase is the one published when you paid, and the date at the top of this page is when it last changed. If we make a change that materially affects what happens to your money, we will say so on the site. Continuing to buy or sell on Khebretk after a change means you accept the updated Policy.
Questions about this policy? Email us at [email protected]