1. The refund is made by the Contractor at the request of the Customer, sent to the email: support@lanainvest.com if the Contractor recognizes the reasons for the return as reasonable.

2. The refund is made after deducting the Contractor's organizational expenses for creating a personal account in the amount of 8 % of the course price, bank transfer fees and the cost of lessons that were opened for the Customer as of the date when the Contractor received the request for a refund, based on the established cost:
For the “Basic investment course”:
Lesson 1: 11 %
Lesson 2: 11 %
Lesson 3: 11 %
Lesson 4: 11 %
Lesson 5: 6 %
Lesson 6: 5 %
Lesson 7: 5%
Lesson 8: 5%
Lesson 9: 5%
Lesson 10: 3%
Lesson 11: 2 %
Practical block: 25 %

The bonus provided to the Customer with the purchase of the "I can afford it! Basic investment course to the Customer a bonus in the form of access to the Telegram-channel with Lana.trade signals for 3 months after the end of the course is cancelled when the Contractor issues a refund to the Customer.
Failure to use the said bonus in full or in part provided that the Customer has completed the course in full shall not constitute grounds for refunding the Customer for the unused subscription time to the Telegram channel with Lana.trade signals.

For the Trading course:
Lesson 1: 9 %
Lesson 2: 9 %
Lesson 3: 9 %
Lesson 4: 9 %
Lesson 5: 5 %
Lesson 6: 5 %
Lesson 7: 5 %
Lesson 8: 4 %
Lesson 9: 2 %
Lesson 10: 2 %
Lesson 11: 2 %
Lesson 12: 2 %
Lesson 13: 2 %
Lesson 14: 2 %
Lesson 15: 2 %
Lesson 16: 2 %
Lesson 17: 2 %
Lesson 18: 2 %
Practical block: 25 %

For the course "Options":
Lesson 1: 14 %
Lesson 2: 14 %
Lesson 3: 11 %
Lesson 4: 11 %
Lesson 5: 10 %
Lesson 6: 5 %
Lesson 7: 5%
Lesson 8: 5%
Practical block: 25 %

For the course "Crypto", rate "BASE":
Lesson 1: 9 %
Lesson 2: 9 %
Lesson 3: 9 %
Lesson 4: 9 %
Lesson 5: 5 %
Lesson 6: 5 %
Lesson 7: 5 %
Lesson 8: 5 %
Lesson 9: 3 %
Lesson 10: 3 %
Lesson 11: 3 %
Lesson 12: 3 %
Lesson 13: 3 %
Lesson 14: 2 %
Lesson 15: 2 %
Practical block: 25 %

For the course "Crypto", rate "PRO":
Lesson 1: 9 %
Lesson 2: 9 %
Lesson 3: 9 %
Lesson 4: 9 %
Lesson 5: 5 %
Lesson 6: 5 %
Lesson 7: 5 %
Lesson 8: 5 %
Lesson 9: 3 %
Lesson 10: 3 %
Lesson 11: 3 %
Lesson 12: 2 %
Lesson 13: 2 %
Lesson 14: 2 %
Lesson 15: 2 %
Lesson 16: 2 %
Practical block: 25 %

Organizational expenses of the Contractor's for creating a personal account in the amount of 8 % of the course price are also withheld by the Contractor in the event of a refund of the partial payment made by the Customer.

3. For the Ready-Made Portfolio workshop, the residual value is returned after deducting the Contractor's organizational expenses for creating a personal account in the amount of 70 (seventy) euros and bank transfer fees.
The residual value is determined based on the following prices:
- The cost of the first part of the workshop, including the determination of the student's profile and objectives: 25% of the cost of the Ready-Made Portfolio workshop net of organizational expenses;
- the cost of preparing materials for the second part of the workshop: 55% of the cost of the workshop net of organizational expenses. That notwithstanding, if the application for a refund was received before the stage is complete, each day of the work period is calculated in proportion to the total stage cost;
- the cost of the second part of the workshop including formation of a sample portfolio and an algorithm for its operation: 20% of the cost of the workshop net of organizational expenses.

4. The decision of refund or rejection of refund is made by the Contractor within 10 (ten) working days from the date of receipt of the Customer's application.

5. The money shall be returned to the Customer's account from which the payment for the education was made or to another account specified by the Customer within 14 (fourteen) working days after the decision of refund.

6. If the request for a refund is answered, access to the educational materials shall be terminated for the Customer within 1 (one) business day from the date of sending the decision of the relevant refund to the Customer by the Contractor. The said Customer's request for a refund shall also be deemed a retraction of the previously given acceptance specified in Clause 1.2 of this agreement.

7. Refunds are considered to be made from the date of debiting Contractor's current account.