Refund Policy

Last Updated: April 24, 2024

At FinShaakti, we are committed to providing high-quality finance education and ensuring customer satisfaction. This Refund Policy outlines our procedures and conditions for refunds for courses purchased through our website finshaakti.com.

By purchasing a course from FinShaakti, you agree to this Refund Policy. Please read it carefully before making any purchases.

1. Standard Refund Eligibility

1.1 Refund Period

You may request a refund within 7 calendar days from the date of purchase. Requests received after this period will not be eligible for a refund.

1.2 Course Completion Limit

To be eligible for a refund, you must not have completed more than 25% of the course content. This includes video lectures watched, quizzes attempted, assignments submitted, and downloadable resources accessed.

1.3 Documentation

We may request documentation or explanation of your reason for dissatisfaction to help us improve our courses. While providing this information is optional, it may help expedite your refund request.

2. Special Refund Conditions

2.1 Premium Courses

Certain premium or advanced courses may have different refund terms, which will be clearly stated on the course purchase page prior to checkout. These special terms supersede the standard refund policy for those specific courses.

2.2 Discounted or Promotional Purchases

Courses purchased at a discount of 40% or more from the original price, or as part of a special promotion, may have limited or no refund eligibility. Any special refund terms for promotional offers will be clearly communicated during the purchase process.

2.3 Bundle Purchases

For course bundles or packages, refund eligibility is determined based on the access to courses within the bundle. If you have accessed more than 25% of the content across all courses in the bundle, you may not be eligible for a refund.

3. Non-Refundable Items

The following items are not eligible for refunds:

• Downloadable course materials once they have been accessed or downloaded
• Add-on services such as personal mentoring sessions, once scheduled or conducted
• Digital certificates of completion once issued
• Subscription fees for the current billing period once more than 7 days have elapsed
• Courses marked explicitly as "non-refundable" during the purchase process

4. Refund Process

4.1 How to Request a Refund

To request a refund, you must:

1. Log in to your FinShaakti account
2. Navigate to "My Courses" or "Purchase History"
3. Select the course for which you want a refund
4. Click on the "Request Refund" button
5. Complete the refund request form, providing a reason for your request

Alternatively, you can email us at refunds@finshaakti.com with your order number and request details.

4.2 Refund Processing Time

Once your refund request is approved:

• Credit/debit card payments will be refunded within 5-10 business days
• UPI/net banking refunds will be processed within 3-7 business days
• Digital wallet refunds will be processed within 2-5 business days

Please note that the actual time for funds to appear in your account depends on your payment method and financial institution.

4.3 Refund Method

Refunds will be issued to the original payment method used for the purchase. We cannot provide refunds to a different payment method than the one used for the original transaction.

5. Technical Issues

If you experience technical difficulties that significantly impair your ability to access or complete a course, please contact our support team at support@finshaakti.com before requesting a refund. We are committed to resolving technical issues promptly and may extend your refund eligibility period in cases where technical problems have prevented you from accessing the course content.

6. Course Cancellations or Significant Changes

6.1 Course Cancellations

If FinShaakti cancels a course for any reason, all enrolled students will receive a full refund regardless of the standard refund policy timeframes.

6.2 Significant Content Changes

If we make significant changes to course content or structure after your purchase that materially alter the nature of what you originally purchased, you may be eligible for a refund even outside the standard refund period. Significant changes do not include regular content updates, improvements, or additions.

7. Refund Approval Conditions

All refund requests are reviewed on a case-by-case basis. We reserve the right to approve or deny refund requests based on the following factors:

• Timing of the request relative to purchase date
• Extent of course content accessed
• Reason for dissatisfaction
• Prior refund history
• Specific terms that were in effect at the time of purchase

8. Refund Request Decision Timeline

We aim to respond to all refund requests within 3 business days. Complex cases may require additional time to review.

9. Course Access After Refund

Once a refund has been issued, your access to the course will be revoked. Any downloaded materials should be deleted, and you agree not to distribute or share any course materials you may have downloaded.

10. Excessive Refund Requests

Users who exhibit a pattern of purchasing courses and requesting refunds may have their account reviewed. We reserve the right to limit or deny future purchases or refund requests from users who appear to be abusing our refund policy.

11. Refund Scenarios Reference Table

12. Policy Modifications

We reserve the right to modify this Refund Policy at any time. Any changes will be effective immediately upon posting the revised policy on our website. It is your responsibility to review this policy periodically.