Refund Policy

Last updated 14 August 2026

Ayanda sells digital services — module subscriptions, exam practice plans and other features paid for from your Ayanda wallet. This policy explains exactly when you get your money back, how long it takes, and the few cases where a refund is not possible.

1. Try before you pay

Most modules include a free trial (typically 7 days of full access) precisely so you can decide before any money changes hands. We would much rather you use the trial than pay for something that turns out not to suit you.

2. Money added to your wallet

Funding your wallet is not a purchase — it is your money, held for you. An unspent wallet balance can be refunded to the bank account or card it came from on request, less any charge the payment provider applied to the original transaction.

If a payment left your bank but never appeared in your wallet, tell us the reference and we will trace it with the provider. Confirmed payments are credited in full; failed payments are returned by the provider, usually within 5–10 working days depending on your bank.

We cannot refund a wallet balance that has already been spent on a subscription, except under section 3 or 4.

3. Subscriptions and plans

Cooling-off: if you paid for a module subscription and have not meaningfully used it, tell us within 48 hours and we will refund it in full to your wallet.

After 48 hours, subscription payments cover a fixed period (normally 30 days) and are not refundable for the period already running. You can simply not renew — nothing renews without a payment you approve with your PIN.

Exam practice plans (Igiiwe) are consumed as you use their items. Unused items on a plan you have never drawn from are refundable within 48 hours; part-used plans are not.

We do not pro-rate part-months, because access is not reduced part-way through a period.

4. When we will always refund you

You were charged twice for the same thing.

You were charged for something you did not authorise (tell us immediately and we will also secure the account).

A service you paid for was unavailable for a prolonged period through our fault.

We withdraw a feature you have already paid for within the period you paid for.

In these cases we refund the full amount, and we do it whether or not the 48-hour window has passed.

5. When we cannot refund

Where the service was delivered and used as described — for example a practice plan whose questions you have worked through, or a subscription period you used.

Where the problem is outside our control, such as your device being lost or your data connection failing.

Where a refund is requested in bad faith — for example repeatedly buying, consuming and reclaiming the same service.

Money paid directly to a hospital or institution through Ayanda is that institution's to refund. We will help you reach them and confirm what was paid.

6. How to ask for a refund

Email hi@ayanda.co or call 07037786885 with the transaction reference (every payment has one, shown on your Wallet page), the date, and a sentence about what went wrong. You do not need a special form.

We acknowledge every request within 2 working days and decide within 7 working days. If we say no, we tell you why in plain terms — and if you disagree, reply and a person will look at it again.

7. How refunds are paid

Refunds go back to your Ayanda wallet immediately, or to the original payment method if you prefer. Refunds to a bank account or card are processed by the payment provider and typically take 5–10 working days to appear, depending on your bank. We never charge a fee to process a refund.

8. Your statutory rights

Nothing in this policy takes away rights you have under the Federal Competition and Consumer Protection Act or any other applicable Nigerian law.

Contact us

Email: hi@ayanda.co
Phone: 07037786885
Address: Plot P5A Road 22, Gateway Sparklight Estate, Lagos, Nigeria

This policy is published in English. If you need it explained in another language, contact us and we will help.