Payment & Refund Policy

1) Accepted Payment Methods

• UPI, Net-banking, Debit/Credit Cards (Visa/Mastercard/RuPay), and popular wallets (as available).
• Bank transfer/NEFT/RTGS for B2B enrollments or corporate batches.
• Cash-on-Delivery (COD) is not applicable for courses or services.

2) Pricing, Taxes & Invoices

• All prices are in INR. Applicable GST and taxes are added at checkout unless stated otherwise.
• Final payable amount is shown before payment. Tax invoices are issued for eligible orders—provide correct billing info & GSTIN (if any).

3) Enrollment & Access Activation

Enrollment is confirmed on successful payment (or on reconciliation for bank transfer). Course access, LMS credentials, or batch details are shared through email/WhatsApp/dashboard as applicable.

4) Cancellations

• Before batch start / access: You may cancel by contacting support; see refund rules below.
• After access shared or 1st session attended: Treated under “Refunds — Courses”.
• Custom corporate trainings: Follow the terms in the respective SOW/proposal.

5) Refunds — Courses (Instructor-led / LMS)

• Full Refund (Pre-Start): If you cancel before the batch start or before LMS access/materials are shared.
• Partial/Pro-rata (Early Window): If you cancel within 7 days of access OR after attending only 1 session, we may refund proportionally, excluding:
  • Non-recoverable payment gateway charges (where legally permitted)
  • Admin fees, printed kits (if any), and the value of materials already shared
• No Refund: After 7 days / after attending more than 1 session / substantial course portion delivered / downloadable content fully provided.
• Deferrals/Transfers: You may request batch deferral or seat transfer before significant delivery; approval is case-by-case.

6) Live Workshops / Webinars

• Pre-event cancellation: Full refund up to 48 hours before event start (minus non-recoverable PG fees, if law permits).
• Within 48 hours / No-show: Refunds are generally not applicable; you may request a one-time reschedule subject to availability.
• Recording access (if provided): When event recording/material is shared, refunds are not applicable.

7) Subscriptions / SaaS Tools (if offered)

• Subscriptions renew automatically unless cancelled before the renewal date.
• Mid-cycle cancellations typically remain active till end of current billing period; refunds are not provided for the unused period unless required by law.

8) Service Engagements (Consulting / Audits / SOW)

Custom engagements (e.g., security audits, consulting, development) are governed by the signed proposal/SOW. Milestone-based payments, cancellation, and refund terms in the SOW shall prevail.

9) Refund Method & Timelines

• Method: Refunds are initiated to the original payment method wherever possible (UPI/Bank/Card/Wallet). Alternate method may be used if the original is unavailable.
• Timeline: Typically 5–7 business days post-approval; bank/PG cycles may add time. NEFT refunds may take 1–3 business days after processing.
• Deductions: Where legally permitted, non-recoverable payment gateway fees and the value of delivered sessions/materials may be deducted.

10) Chargebacks & Disputes

If you raise a chargeback with your bank/card issuer, please also notify us with details. We’ll submit documentation to the payment partner for resolution. For fastest results, contact our support first—we usually resolve within standard timelines.

11) Payment Data & Privacy

We use RBI-regulated payment partners; card/UPI details are processed by them. We may retain masked references, transaction IDs, and billing data for reconciliation, GST, and fraud control—handled per the DPDP Act, 2023 and our Privacy Policy.