Website: https://pathwaydigital.com.ng
Effective Date: 16 October 2026
Last Updated: 16 October 2026

1. Introduction

This Refund and Cancellation Policy explains the terms governing refunds, cancellations and digital product delivery for purchases made through Pathway Digital Solutions (“Pathway Digital”, “we”, “us” or “our”) via https://pathwaydigital.com.ng (the “Website”).

We sell digital products and online learning materials. We do not sell physical products.

Because digital products may be delivered electronically, made available for download or provided through online access, our refund arrangements differ from those applicable to physical goods.

Refund eligibility and any product-specific refund conditions are stated on the relevant product page. Customers should review those terms carefully before completing a purchase.

This Policy should be read together with the applicable product page terms and our other relevant website policies.

Nothing in this Policy excludes or limits any consumer right or remedy that cannot lawfully be excluded or limited under applicable Nigerian law.

2. Scope of This Policy

This Policy applies to digital products purchased through our Website, including digital downloads, online courses and other digital learning resources offered by Pathway Digital Solutions.

Depending on the product, delivery may take place through one or more of the following methods:

• Direct download from the Website.
• Delivery by email or through a digital access link.
• Access through an online learning platform or other digital delivery channel.

The delivery method applicable to a particular product will depend on the arrangements described on its product page or communicated during the purchase process.

This Policy does not apply to physical products, as we do not sell physical goods.

3. Product-Specific Refund Terms

Each product may have its own refund eligibility requirements, conditions and restrictions.

The refund terms displayed on the relevant product page at the time of purchase govern the product-specific refund arrangements, subject to applicable law and the general exceptions set out in this Policy.

Before purchasing, please review the relevant product page for information about:

• Whether the product is eligible for a refund.
• Any conditions that must be satisfied for a refund to be considered.
• Any applicable refund request period.
• Any product-specific cancellation conditions or exclusions.

Where a product page states that a purchase is non-refundable, that condition applies only to the extent permitted by applicable law. It does not remove any mandatory legal rights or remedies available to the customer.

If a product page contains unclear or conflicting refund information, please contact us at info@pathwaydigital.com.ng for clarification.

4. General Refund Policy

Except where a product page provides otherwise, or where a refund or other remedy is required by applicable law, purchases are subject to the product-specific refund terms displayed before purchase.

Because digital products may be delivered or made accessible immediately after payment, we generally do not offer voluntary cancellations or refunds simply because a customer changes their mind after completing a purchase.

However, we will consider issues involving duplicate payments, qualifying technical failures and other circumstances where a refund or alternative remedy may be appropriate under the applicable product terms or law.

Nothing in this section prevents a customer from exercising a non-excludable statutory right.

5. Duplicate Payments

If you believe you have been charged more than once for the same purchase, please contact us at info@pathwaydigital.com.ng.

To help us investigate, please provide:

• The email address used for the purchase.
• The product purchased.
• The relevant transaction reference or payment confirmation.
• Details of the suspected duplicate charge.

Please do not send full payment card numbers, card security codes, passwords or other sensitive payment credentials by email.

We will review the transaction information and, where a duplicate payment is confirmed, arrange an appropriate correction or refund in accordance with applicable law and the payment provider’s procedures.

6. Digital Delivery and Technical Issues

We make digital products available through the delivery method specified for each purchase. Depending on the product, this may involve a download, email delivery, an access link or an online learning platform.

If you have paid for a product but cannot access or receive it, please contact info@pathwaydigital.com.ng so we can investigate.

Your message should include:

• The email address used to make the purchase.
• The product name.
• The transaction reference or payment confirmation.
• A brief description of the problem.
• Any relevant error message or screenshot, provided it does not expose sensitive payment information.

We will investigate the issue and, where appropriate, help restore access, resend delivery information or provide another suitable resolution.

Where a material delivery failure cannot be resolved, we will assess whether a refund or another remedy is due under the applicable product terms and consumer protection law.

A technical problem does not automatically guarantee a refund in every circumstance. Equally, a product-specific no-refund condition does not override any mandatory legal remedy that applies to a genuine failure to supply or provide access to the purchased digital product.

7. Cancellation and Withdrawal Requests

Digital products may be delivered or made accessible shortly after payment. For this reason, we generally do not accept voluntary cancellation requests after purchase unless the relevant product page provides otherwise or applicable law requires a cancellation right or other remedy.

If you wish to cancel an order, contact info@pathwaydigital.com.ng as soon as possible and provide your purchase details.

We will review the request against the relevant product page terms and applicable law.

Submitting a cancellation request does not, by itself, guarantee that the purchase can be cancelled or refunded. However, no provision in this Policy removes any mandatory right you may have to cancel, withdraw from a transaction or obtain a refund or other remedy under applicable law.

8. How to Request a Refund

To submit a refund request, email:

info@pathwaydigital.com.ng

Please use the subject line “Refund Request” and include:

1. Your name.
2. The email address used for the purchase.
3. The name of the digital product or course.
4. The date of purchase, if known.
5. The transaction reference or payment confirmation.
6. The reason for your request.
7. Any relevant supporting information.

We may request additional information reasonably necessary to verify the transaction and assess your request.

Please do not include full payment card details, passwords or other sensitive authentication information in your email.

We will review your request against the applicable product page terms, the circumstances of the transaction and any relevant legal requirements.

9. Refund Assessment and Decisions

Refund requests will be assessed individually where appropriate, taking into account:

• The refund terms disclosed on the relevant product page.
• Whether payment was duplicated.
• Whether the product was successfully delivered or made accessible.
• Whether a reported technical issue can be resolved.
• Any applicable consumer protection rights or other legal obligations.

We may ask for reasonable evidence to establish the nature of the issue or confirm the transaction.

Where a refund is approved, we will communicate the decision and any relevant next steps.

Where a request is declined, we will provide an explanation where appropriate, subject to applicable law.

A refund decision under this Policy does not limit any right to pursue an available statutory remedy.

10. Refund Processing

Where a refund is approved, we will initiate or arrange the refund through the applicable payment method or payment provider’s process, where practicable and permitted.

The time required for a refund to appear in your account may depend on the payment provider, payment method and relevant financial institution.

We do not specify a fixed processing period in this Policy. We will communicate any applicable timing information when processing an approved refund, where available.

Nothing in this section permits us to delay a refund beyond a deadline imposed by applicable law.

11. Promotional Offers, Bundles and Discounted Products

Digital products may occasionally be offered as part of a promotion, bundle or discounted offer.

Where a product is sold under a promotion or bundle, any specific refund conditions applicable to that offer should be stated on the relevant product page or disclosed during checkout.

Such conditions apply only to the extent permitted by applicable law. Any mandatory consumer rights remain unaffected.

If the relevant promotional terms do not clearly explain the applicable refund arrangements, please contact us at info@pathwaydigital.com.ng before purchasing.

12. Customer Responsibilities

To help avoid delivery and access issues, customers are responsible for:

• Providing an accurate email address and other required purchase information.
• Reviewing the product description and applicable refund terms before purchasing.
• Checking that their device, software and internet connection meet any requirements disclosed for the product.
• Keeping purchase confirmations and transaction references where available.
• Contacting us promptly if a payment, delivery or access problem occurs.

These responsibilities do not remove our obligations under applicable law or excuse a failure to supply a product in accordance with the applicable purchase terms.

13. Consumer Rights

This Policy is intended to operate consistently with applicable Nigerian consumer protection and other relevant legislation.

Nothing in this Policy is intended to exclude, restrict or waive any consumer right or legal remedy that cannot lawfully be excluded, restricted or waived.

Where a product-specific refund condition conflicts with a mandatory legal requirement, the mandatory legal requirement will prevail to the extent of the conflict.

Customers may contact us at info@pathwaydigital.com.ng if they have questions about their rights or the application of this Policy.

14. Changes to This Policy

We may update this Policy to reflect changes in our business operations, digital delivery methods, product offerings or applicable legal requirements.

The “Last Updated” date at the beginning of this page will indicate when the latest version was published.

Changes will not remove rights that have already accrued or override mandatory legal protections applicable to an existing purchase.

We encourage customers to review this page periodically and consult the relevant product page before making a purchase.

15. Contact Information

For refund requests, cancellation enquiries, duplicate payment reports, delivery issues or questions about this Policy, please contact:

Pathway Digital Solutions

Website: https://pathwaydigital.com.ng

Email: info@pathwaydigital.com.ng

Please include sufficient purchase information to help us identify and investigate your request.

End of Refund and Cancellation Policy