Refund & Cancellation Policy

Last updated: [DATE] We want you to enrol with confidence. This policy explains when you can cancel and get a refund. It forms part of our Terms & Conditions and applies to all programmes purchased from [LEGAL ENTITY NAME] (“Zen Mind Analytics”, “ZMA”, “we”).

1. Live and classroom programmes (batches)

These are programmes delivered in scheduled live sessions, online or in person.

When you cancel	What you get back
7 days or more before the batch start date	100% of the fee paid
Less than 7 days before the start date, up to before the 2nd live session	90% of the fee paid (10% is kept as an administration charge)
After the 2nd live session has taken place	No refund. You may transfer once, free of charge, to a later batch (see Section 5)

 

2. Recorded and self-paced courses

You can request a full refund within 7 days of purchase, provided you have used less than 20% of the course. “Used” means videos watched, lessons marked complete, or materials and templates downloaded. After 7 days, or once 20% or more has been used, no refund is available.

3. Programme bundles

If you buy a bundle or combo, the refund is assessed for the bundle as a whole. If any part of the bundle has been used beyond the limits above, the bundle is not refundable.

4. What is not refundable

• Fees for exams, registrations or memberships paid to any examining body (for example ICAI, CFA Institute, GARP, ACCA). Please contact the relevant body for their policies.
• Printed study material once it has been dispatched.
• One-to-one counselling, mentoring or doubt-solving sessions once they have taken place.
• Webinars, workshops or masterclasses priced at [₹___] or less.
• Programmes purchased under a promotional offer marked “non-refundable” at the time of purchase.
• Programmes where access was suspended or ended because of a breach of our Terms & Conditions, such as sharing login details or content.
• Corporate and institutional training. Cancellation and refunds are governed by the agreement or proposal signed with the client.

5. Batch transfer and deferral

• If you cannot continue with your batch, you may transfer once, free of charge, to the next available batch of the same programme, within [6 months] of your original start date.
• Any further transfer is subject to a fee of [₹___] and seat availability.
• A transfer is not available once more than [50%] of the batch sessions have taken place.
• Fees paid for a transferred enrolment are not refundable.

6. If we cancel or reschedule

• If we cancel a batch, you can choose a full refund or a free transfer to another batch.
• If we postpone a batch start by more than 14 days, you can choose a full refund, even if the batch later goes ahead.
• Individual sessions rescheduled because of faculty or technical issues will be made up or recorded. These are not grounds for a refund.

7. Instalment payments

If you pay in instalments, the refund is calculated on the amount actually paid, using the rules above. Once you are no longer eligible for a refund, any remaining instalments still fall due according to your payment plan.

8. How to request a refund

Email [SUPPORT EMAIL] from your registered email address with the subject line “Refund Request” and include:

• your full name and registered phone number;
• the programme name and batch (if applicable);
• your order or invoice number;
• the reason for your request (optional, but it helps us improve).

Your request is dated from the time we receive your email.

9. How refunds are processed

• We acknowledge your request within 2 working days and confirm the outcome within 5 working days.
• Approved refunds are sent to your original payment method within 7 working days of approval. Your bank or card provider may take a further 5–10 working days to show the credit.
• GST charged on the refunded amount is refunded with it, and we issue a credit note.
• Payment gateway charges are [not deducted / deducted] from the refund.
• Your access to the programme ends when the refund is approved.

10. Examples

Situation	Outcome
Riya pays ₹20,000 for a live CFA® Level I batch and cancels 10 days before it starts.	Full refund of ₹20,000.
Aman joins a live financial modelling batch, attends the first session, and cancels before the second.	Refund of 90%. ZMA keeps 10% as an administration charge.
Neha buys a recorded course, watches 30% of the videos on day 3 and asks for a refund.	No refund. She has used more than 20% of the course.
Karan has attended 4 live sessions and gets a new job with long hours.	No refund, but he can transfer once, free, to the next batch.
ZMA postpones a batch start by 3 weeks.	Every enrolled learner can choose a full refund or stay in the batch.

  Examples are for illustration only. Amounts are not actual fees.

11. Chargebacks and disputes

Please contact us before raising a dispute or chargeback with your bank. Most issues can be resolved quickly by talking to us directly. If you are not satisfied with our decision, you can escalate to our Grievance Officer, as set out in our Terms & Conditions.

12. Contact

Grievance Officer	[GRIEVANCE OFFICER NAME]
Email	[SUPPORT EMAIL]
Phone / WhatsApp	[PHONE]
Address	[LEGAL ENTITY NAME], [REGISTERED ADDRESS]