Is Coursiv Legit or a Scam? Open One Lesson, Lose the Refund

Coursiv’s refund policy, last updated on June 19, 2026, only pays out if you haven’t used what you bought. The condition is written down plainly: “zero progress in your chosen course” and nothing done beyond the sign-up questions. Open one lesson and, by Coursiv’s own rules, the refund is gone.

That clause explains most of this review. Coursiv is a real company selling a real product, so it isn’t a scam in the take-your-money-and-vanish sense. Our verdict is Caution: the price stays hidden until checkout, plans renew on their own at what customers report is double the first payment, and the refund rule works against anyone who tries the course before deciding.

Last checked: October 6, 2026. How we checked this is explained at the end.

What is Coursiv, and who’s behind it?

Coursiv is a phone-first learning app. It teaches beginners to use AI tools such as ChatGPT and Midjourney through brief daily lessons, sells the idea of a certificate in 28 days, and says more than 800,000 people have joined.

The company is Coursiv Limited, registered in Cyprus under number HE 462062, with an office in Limassol. The Better Business Bureau lists it at a Las Vegas address. Coursiv’s own charge page says its payments appear on bank statements as COURSIV, VCOURSIV or SGT*VCOURSIV, which is worth knowing if you’re staring at a line you don’t recognise.

About that certificate. Coursiv’s certificate page calls the programme CPD certified and, in the same sentence, says Coursiv is not an accredited institution. It proves you finished a course. It isn’t a qualification.

Coursiv cost: the pricing page has no prices

We read coursiv.io/pricing on October 6, 2026. It names three plans (1 week, 4 weeks and 12 weeks) and gives no dollar figure for any of them. The page’s answer is that you’ll see the exact price on the checkout screen, and the checkout sits behind a quiz.

So the public numbers come from two other places. One is Apple. The other is people who’ve already been billed.

Look at the last three rows. Take the two add-ons off $144.77 and that 12-week plan cost $44.79, then renewed at $89.59. In all three accounts the renewal is twice the first charge, give or take a cent.

Coursiv’s terms don’t hide that this can happen. They say an introductory offer turns into a subscription, that you’ll then be charged the full plan price, and that it happens without notice. A help-centre article adds that a 1-week trial converts into a 4-week plan.

The arithmetic matters because four weeks isn’t a month. There are 13 four-week cycles in a year. At the reported $39.99, that’s $519.87 a year, or $499.87 in year one if the first payment was $19.99.

Then come the add-ons. Coursiv’s “Why was I charged?” article says Unlimited AI Tools and the AI Bundle are offered during sign-up and billed separately from the subscription. Reviewers on Trustpilot and ComplaintsBoard describe a second charge landing after a single click.

Coursiv’s money-back policy page, screenshot taken October 6, 2026.

The Coursiv refund policy, one clause at a time

Read this before you pay. If you’ve just paid, read it before you tap anything else. Everything below comes from Coursiv’s money-back policy as it stood on October 6, 2026.

1. The window is 14 days from the purchase date. The policy adds that refunds usually cover the first payment only, so a renewal you missed isn’t promised anything.
2. You must not have used it. No progress in the course and no activity past onboarding. Answering the sign-up questions is allowed; a started lesson reads as progress.
3. Coursiv can still say no. It keeps the right to decline any request unless the law forces a refund.
4. Buyers in the EEA or Switzerland keep a 14-day right to withdraw. Coursiv deducts a share for the days of service already supplied.
5. Where you paid decides who you ask. Website purchase: email [email protected]. Google Play: email the same address with your GPA order number. App Store: Apple decides, through reportaproblem.apple.com.

The policy has changed direction. A June 2025 review by Indish Marketer described a guarantee that demanded 21 days of daily logins and proof you’d finished the lessons. Today’s page asks for the opposite, and at least one review updated in September 2026 still describes the old rule.

If Coursiv refuses and you believe a charge was never authorised, your card issuer is the next stop. For US cardholders, the FTC’s guidance is that a written dispute has to reach the issuer within 60 days of the first bill showing the error.

Coursiv reviews: 4.6 on Trustpilot, 284 complaints at the BBB

Both numbers are real. Trustpilot showed 143,032 reviews and a 4.6 score when we checked: 67% five-star, 26% four-star, 2% one-star. Coursiv has claimed the profile, pays for a Trustpilot subscription and invites its customers to review. Trustpilot discloses all three on the page.

The BBB profile reads differently. B rating. Not accredited. 284 complaints on file.

The two sites catch people at different moments. Most Trustpilot reviews are a line or two about the lessons, and 18 of the 20 newest were four or five stars. Complaints arrive later, after a renewal. We read the 18 most recent one-star reviews, dated September 4 to October 3, 2026, and at least 12 were about charges, renewals or refunds, not the teaching. Three of them:

• £95.99 taken every quarter since May 2025 through PayPal, from someone who says they never used the course.
• $170 over four months after a trial ended with no reminder.
• A refund refused within the hour, after a second charge followed one click on an add-on.

Coursiv does answer. Trustpilot says it replied to 100% of negative reviews, and the replies we read sent each reviewer to [email protected].

Is Coursiv a scam or legit?

Legit, in the narrow sense. There’s a registered company, an app on Apple’s App Store, published terms, a refund page and a support desk that replies. People do get lessons for their money.

What earns the Caution is the billing design: no public price, a paid trial that rolls into a longer plan, renewal at the full rate, add-ons sold in the middle of sign-up, and a refund rule that only helps people who never opened the product. None of that is fraud. All of it costs money if you aren’t watching.

How to cancel Coursiv, by where you paid

Coursiv’s unsubscribe article was last modified on July 19 and matched its Subscription Terms when we read both on October 6, 2026. Companies change these flows, so open the article before you rely on the steps here.

• Paid on the website: log in at app.coursiv.com, then Profile, Settings, Manage Subscription, Cancel Subscription. This applies to iPhone owners who bought on the web too, because Apple’s settings won’t show the plan.
• Paid through Google Play: Play Store, profile icon, Payments & subscriptions, Subscriptions, Coursiv, Cancel subscription.
• Paid through the App Store: iPhone Settings, your name, Subscriptions, Coursiv, Cancel Subscription. If Coursiv isn’t listed there, you paid on the website.

Three details from the terms. Cancel at least 24 hours before the period ends. Deleting the app cancels nothing. And the help article says a confirmation email follows; if none arrives, treat the cancellation as unconfirmed and screenshot your subscription page.

Is Coursiv safe with your data?

Nothing we found points to malware or a data breach. The questions here are about advertising and your legal rights.

The privacy policy names Meta and Google among the marketing partners that receive data, and lists TikTok, Hotjar and Amplitude among the tools Coursiv uses. It tells California residents that some of this may count as selling or sharing data for targeted ads, with an opt-out. Apple’s privacy label for the app puts identifiers under data used to track you.

Two more clauses deserve a minute. Disputes go to individual arbitration unless you opt out by emailing [email protected] within 30 days of first using the service, with your name, username, account email and a clear statement that you’re opting out. And Coursiv caps its liability at whatever you’ve paid it. Users must be 16 or older.

Should you pay for Coursiv?

It suits a complete beginner who wants short, guided lessons on a phone and who will cancel on time. If that’s you, write down the renewal date and amount from the checkout screen before you pay, skip the add-on screens, and settle the refund question before you start lesson one.

If you only want to find out what AI tools can do, start with something free. Elements of AI, from the University of Helsinki and MinnaLearn, costs nothing and has no subscription to forget.

Coursiv isn’t the only app built on a quiz, a low first price and a quiet renewal. We found the same pattern at Finestro, where the website charges far more than the App Store, at Brain AI, whose $0.99 test turns into a weekly bill, and at Use.AI, with its $1 trial. AI Cleaner does it with weekly pricing.

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