Coding Temples bad money back guarantee. Btw they never told us about continuing codewars after graduation so we were screwed no matter what.

Always assume you won't get money back with a money back guarantee. You are thinking about you, but these aren't big businesses and the business has to make money so someone has to pay or they will go bankrupt and won't pay you back anyways. If people aren't getting jobs either the company will go bankrupt and you won't get your money back, or they won't pay you back and find a loophole so they can survive. Someone reported that Springboard agreed to pay them back after disputing, but the refund will happen over 12 months.... which is a sign that they are trying to spread the cashflow out over time, but at least a good sign they are trying.