Refund Policy
Last updated: 10 August 2026
This policy explains when we refund an ExamPadi subscription. It forms part of our Terms of Service and applies to payments made to SYSTEMCOG ENTERPRISE for the ExamPadi app.
Try before you pay. Every new account gets a free 3-day trial with full access and no card required. We ask you to use the trial to be sure ExamPadi is right for you before subscribing.
1. When we refund in full
- Duplicate or double charge. You were debited more than once for the same subscription — we refund the extra charge in full.
- Payment taken but access not granted. Your payment succeeded but your account was not activated and we cannot fix it. We will always try to activate your access first; if we cannot, you get a full refund.
- Unauthorised payment. Someone paid on your card without permission and Paystack confirms it.
- Cooling-off period. You subscribed within the last 7 days, and you have practised very little on the paid plan (fewer than 50 questions attempted and no offline pack downloaded since paying). Ask us within those 7 days and we refund in full.
- We close your account without cause. If we end your access and you have not breached our terms, we refund the unused portion of your year.
2. When we do not refund
- You changed your mind after the 7-day cooling-off period, or after substantial use of the app.
- Your exam result was not what you hoped for — ExamPadi is a study aid, not a guarantee of a score.
- You stopped using the app, or forgot your subscription was running.
- Your device is lost, broken, or cannot run the app, or you have no internet to download packs.
- Your account was suspended or closed for breaching our terms (account sharing, scraping, fraud).
- The payment was made with a voucher or promotional code — vouchers have no cash value.
- Free trial periods, which cost nothing and so have nothing to refund.
Short, planned maintenance windows are not grounds for a refund. If ExamPadi is unavailable for an extended period through our fault, contact us — we will extend your subscription by the time lost.
3. How to request a refund
Email support@systemcog.cc or message us on WhatsApp at +234 904 615 6799 with:
- the phone number on your ExamPadi account;
- the date and amount of the payment;
- your Paystack reference or the bank alert / receipt;
- a short note on why you are asking for a refund.
4. How long it takes
| Stage | Timing |
|---|---|
| We acknowledge your request | Within 2 business days |
| We review and decide | Within 7 business days of receiving your details |
| Approved refund sent to Paystack | Within 3 business days of approval |
| Money reaches your bank | Usually 5–10 business days, depending on your bank |
Refunds go back to the account or card used for the original payment. We cannot refund to a different person's account. Where a refund is approved, your paid access ends on the day the refund is issued.
5. Partial refunds
We do not normally pro-rate a yearly plan. Where we agree a partial refund — for example when we close an account without cause — it is calculated as the unused whole months remaining in your subscription year.
6. If you disagree with our decision
Reply to our email and ask for the decision to be reviewed, explaining why. A different member of our team will look at it again and respond within 7 business days. Nothing in this policy takes away the rights you have under Nigerian consumer-protection law.
7. Contact us
SYSTEMCOG ENTERPRISE
No 2 Eva Street, Urora, Benin City, Edo State, Nigeria
Email: support@systemcog.cc
Phone / WhatsApp: +234 904 615 6799