Cancellation & Refund Policy

The annual subscription is a digital service that is delivered upon admin activation following verified payment. Access to the platform constitutes service delivery.

Once platform access has been activated, refunds are not available for change-of-mind cancellations, non-use or requests for unused-period refunds. This does not override any applicable rights you hold under Indian consumer protection law.

A refund will be processed in the following confirmed situations:

• Duplicate or erroneous charge: If the same purchase results in two or more successful debits, or if a payment was taken in error, the excess or erroneous amount will be refunded in full. This applies to confirmed successful charges only — an unsuccessful or failed transaction that was reversed by your bank or payment provider at the time of the attempt is not a refund of a charge received by us.
• Technical non-delivery: If a payment was successfully debited and received by us, and your account has not been activated within 24 hours of your sharing the payment confirmation via WhatsApp (+91 8149151983) or email (support@studywithconcepts.org), you may request a full refund by contacting the same channel. Applicable statutory rights are preserved regardless of the timeframe above.

To request a refund, contact support@studywithconcepts.org or WhatsApp +91 8149151983 with your payment reference number and registered email address or phone number. The admin team will review the request and respond.

Where a refund is approved, it will be initiated within 7 business days of approval and processed to the original payment method. Bank crediting time after the refund is initiated is subject to your bank or payment provider's processing schedule, which is outside our control.

If a refund is issued for a subscription that generated referral bonus days, only the bonus days directly associated with that specific refunded purchase will be reversed from both the referrer and the referred student. Independently purchased subscriptions and unrelated referral benefits are not affected.

Subscriptions are renewed only by customer-initiated payment. No automatic debit, recurring mandate or standing instruction is established.

See our Terms & Conditions for subscription, activation and pricing details, and our Service Delivery & Activation Policy for activation timelines.