Refund and Cancellation Policy

1. Please read before you buy

This policy applies to courses bought online on the Bhavya Gyan Academy learning website from [FILL: company]. Courses given to students by their college are covered by the college's own arrangement with us, not by this page.

2. What you are buying

You are buying access to an online course for the period shown on the course page. Once you can open the lessons, the course is delivered.

3. Cancellation and refund

• You may ask for a refund within 7 days of the payment, if you have watched or completed less than [FILL: percent of the course allowed, e.g. 10]% of the course.
• After 7 days, or after more of the course has been used, the payment is not refundable.
• If you were charged but the course did not open, or you were charged twice for the same course, we will fix the access or refund the extra amount in full.
• A refund can also be given in other cases at our discretion.

4. How to ask for a refund

Write to [FILL: email] from the email address of your account. Give your name, the course, and the date and reference of the payment (it is on your invoice and in My orders). We will reply to tell you whether the refund is approved.

5. How a refund is paid

• An approved refund goes back to the same payment method you used, through Razorpay. It usually reaches you in 5 to 7 working days; your bank may take longer.
• If a part of the course was used, a partial refund may be given.
• For every refund we issue a GST credit note for the refunded amount, and send it to your email.

6. Failed payments

If money was cut from your account but the payment failed, your bank or Razorpay normally returns it automatically within 5 to 7 working days. If it does not, write to us with the payment reference.

7. When access ends

Course access ends on the date shown in your account. The period is not extended and the fee is not refunded for days you did not use. We may close an account that breaks the Terms of Use; no refund is given in that case.

8. Contact

[FILL: company], [FILL: address]. Email: [FILL: email]. Phone: [FILL: phone].