Terms, Cancellation, Refund, Return and Fulfilment Policy

Terms, Cancellation, Refund, Return and Fulfilment Policy

Updated: April 1, 2026

Introduction and business identity:

Cambridge International Financial Advisory Ltd, trading as Cambridge IFA ("Cambridge IFA", "we", "us" or "our"), provides Islamic finance intelligence, publications, training, leadership programmes, conferences, awards, advisory services and related institutional engagement services.

  • Registered company name: Cambridge International Financial Advisory Ltd.
  • Company number: 11276490
  • Registered office: 17 Manor Road, Chigwell, England, IG7 5PF, United Kingdom.
  • Telephone: +44 (0) 207 078 7297
  • Email: info@cambridge-ifa.net

This policy applies to purchases, registrations, nominations, bookings, service requests and payments made through Cambridge IFA websites, invoices, payment links or other authorised payment channels. By submitting a service request, accepting a quotation, registering for a programme, placing an order or making a payment, you confirm that you have read and agree to this policy.

Services covered:

  • Publications, intelligence reports, data products and digital or print content.
  • Leadership programmes, masterclasses, workshops, training and capacity-building programmes.
  • Summit, conference, delegate and award nomination registrations.
  • Advisory, consultancy, market research, policy, strategy, Shari'a advisory coordination and related professional services.
  • Sponsorship, partnership, institutional engagement and branding packages.

Exact fees, price ranges or proposal-based pricing are displayed on the relevant service page, order page, registration form, quotation, invoice or payment request. Where a service is customised, no payment will be requested until the scope, price and transaction currency have been confirmed in writing.

Payment terms:

  • All fees must be paid in the currency shown on the applicable invoice, quotation, payment link, registration form or order page.
  • The transaction amount and transaction currency must be shown clearly before payment is made, including the currency in both words and symbols, for example British pounds sterling (GBP £) or US dollars (USD $).
  • Unless expressly agreed otherwise in writing, registration, nomination, publication, report, sponsorship and consultancy fees must be paid before the related service, benefit, access or deliverable is provided.
  • Cambridge IFA may decline, suspend or cancel any order, registration, nomination or service request where required for sanctions, anti-money laundering, fraud prevention, card scheme, legal or regulatory reasons.
  • Customers are responsible for ensuring that they have authority to make a payment on behalf of their organisation.
  • Where card payment is offered, customers may pay using the card types supported by Cambridge IFA’s authorised payment processor. The relevant card brand marks, final transaction amount and transaction currency will be displayed before payment is made.
  • Where a programme, event, publication, advisory service, sponsorship package or other service is scheduled to be delivered more than six months after the proposed card payment date, Cambridge IFA may offer a later payment date, invoice-based payment, bank transfer or another approved payment arrangement, subject to applicable payment processor requirements.

Cancellation policy:

  • Digital publications, reports and data products: Once an order has been processed and digital access, download, data, report or publication material has been delivered, the order cannot be cancelled and is non-refundable.
  • Print publications: Orders may be cancelled only before dispatch. Once dispatched, print publications are non-refundable unless Cambridge IFA has supplied the wrong publication or a materially defective item.
  • Leadership programmes, masterclasses, workshops and training: Cancellations received more than 30 calendar days before the start date are eligible for a refund of the registration fee less a 10% administrative charge. Cancellations received 15 to 30 calendar days before the start date are eligible for a 50% credit toward a future Cambridge IFA programme, valid for 12 months from the original programme start date. Cancellations received 14 calendar days or less before the start date are non-refundable and non-creditable.
  • Delegate substitutions: Delegate substitutions are normally permitted before the start of a programme or event at no additional administrative charge, subject to Cambridge IFA approval, venue requirements, visa status, security clearance and any event-specific restrictions.
  • Summits and conferences: Delegate registration fees are non-refundable 14 calendar days or less before the event. Substitution may be permitted subject to approval.
  • Award nominations and award-related entries: Award nomination, assessment, entry or submission fees are final once submitted and paid. These fees are non-refundable because review, assessment, administration and shortlisting work may begin immediately after submission.
  • Advisory and consultancy services: If a client cancels before work has started, Cambridge IFA may refund the paid fee less any agreed administrative, banking, card processing or third-party costs that are not recoverable. Once work has started, fees are chargeable on a pro-rata basis for work performed, time committed, meetings held, research undertaken, documents reviewed, deliverables prepared and third-party costs incurred. No refund is due after the final agreed deliverable has been issued or the agreed service has been substantially performed.
  • Sponsorship and partnership packages: Sponsorship and partnership fees are non-refundable once branding, promotion, content placement, event access, publication benefits, delegate benefits or other package deliverables have started. Any cancellation before activation will be reviewed against the accepted proposal and actual costs incurred.

    • Refund policy:

  • Eligible refund requests must be submitted in writing to the respective email as well as info@cambridge-ifa.net with the invoice number, payment reference, service name and reason for the request.
  • Where a refund is approved, Cambridge IFA will normally process the approved refund within 10 business days. The time taken for the customer to receive funds may depend on the card issuer, bank or payment processor.
  • Approved card refunds will normally be returned to the original payment method where possible.
  • Any administrative charge, non-refundable portion, pro-rata fee or unrecoverable third-party cost will be explained before the refund is processed.
  • Cambridge IFA is not responsible for customer travel, accommodation, visa, insurance, foreign exchange or other personal costs unless this has been expressly agreed in writing.

    • Event changes by Cambridge IFA:

    If Cambridge IFA postpones or cancels a physical programme, summit, conference or training event due to unforeseen circumstances, force majeure, venue restrictions, security issues, speaker unavailability, regulatory restrictions or other material reasons, affected registered delegates will be offered either:

  • transfer of the registration to the rescheduled date;
  • credit transfer to an equivalent future Cambridge IFA programme or event; or
  • a refund of the registration fee paid, where no suitable alternative is available.

    • Cambridge IFA will not be responsible for separate travel, accommodation, visa, insurance or other personal expenses incurred by delegates or participating organisations.

    Delivery and fulfilment policy:

  • Digital reports and publications: Access, download links or electronic copies will normally be provided by email or online access after successful payment, unless a different delivery timeline is stated on the relevant order page or invoice.
  • Print publications: Delivery timelines and courier costs, where applicable, will be confirmed before dispatch. Any customs duties, import taxes or local delivery charges are the responsibility of the recipient unless agreed otherwise in writing.
  • Training and event registrations: Registration confirmation will be sent by email after successful registration and payment, or after written confirmation of approved credit terms. Joining instructions, venue details and programme information will be issued before the programme or event.
  • Advisory and consultancy services: Deliverables, timelines, meetings and milestones will follow the accepted proposal, engagement letter, invoice or written scope of work.
  • Sponsorship and partnership deliverables: Branding, content, publication, event and other partnership benefits will be delivered according to the accepted proposal or package confirmation.

    • Privacy and payment security statement:

  • Cambridge IFA collects and uses customer information in accordance with its Privacy Statement.
  • Where card payments are made through Wise or another authorised payment processor, Cambridge IFA does not collect, process or store full card numbers, card verification codes or sensitive card authentication data on its website.
  • Payment card details are entered directly through the payment processor environment. Customers should not email or submit card details through any Cambridge IFA contact form.
  • This website operates over HTTPS, and all online forms are designed to transmit information securely.

    • Export, sanctions and restricted services statement:

    Cambridge IFA may decline, cancel or suspend a transaction, service request, registration, nomination or delivery where required by applicable laws, sanctions rules, anti-money laundering obligations, anti-bribery rules, card scheme requirements, Wise policies or other payment processor requirements. Customers are responsible for ensuring that participation in Cambridge IFA services is permitted under the laws and regulations applicable to them.

    Contact for cancellation or refund requests:

    All cancellation, substitution, refund and delivery-related requests must be submitted in writing to the respective email address as well as info@cambridge-ifa.net. Please include the customer name, organisation, invoice number, payment reference, service name and relevant dates.