Refund and Cancellation Policy

Course fees are paid by UPI and confirmed manually by our team against our bank statement, so access is not instant. Prices are inclusive. GST not applicable — the amount you paid is the amount considered for any refund, with no tax component to deduct or adjust.

Every product on this site is a digital service: access to online course content, live sessions and community features hosted on the Growth Scholar platform. Nothing is shipped, and no physical goods are dispatched or returned. How and when access is delivered is set out in our Delivery Policy.

After you pay by UPI and submit your transaction reference, your order sits as pending until an administrator verifies the payment. During that window:

• You may cancel for any reason by emailing support@growthscholar.in with the transaction reference (UTR) and the email address you used at checkout. We will refund the full amount received.
• If we cannot match your payment to a credit in our bank account, we will contact you on the email or phone number you gave. If it turns out that money left your account but never reached ours, the transfer has failed at the payment network and your bank or UPI app will reverse it — we can only refund money we have actually received.

Once we confirm your payment, the course is opened on your account and the content is delivered in full and immediately. From that point the fee is non-refundable, including where:

• You have watched little or none of the course.
• The reason is a change of mind about the subject, lack of time, or the absence of a specific career or business outcome, which we do not promise.
• The course was received free, as part of a bundle, or through a scholarship or coupon.
• Access was terminated for breach of our Terms of Use — for example sharing your login or redistributing course content.

A confirmed seat in a LIVE program or workshop is also non-refundable. If you cannot attend, you may ask us to move you to a later batch; we will try to, subject to availability.

• Duplicate or excess payment — if you paid twice for the same course, or transferred more than the listed price, we refund the extra amount in full. Send both transaction references to support@growthscholar.in.
• We cannot deliver — if we receive your money but cannot give you access for any reason at our end, or we cancel a LIVE batch or workshop you paid for and you do not want a seat in a later one, we refund the full amount without you having to ask.
• Cancelled before access — as set out in section 3.

To claim one of these, email support@growthscholar.in from the address on your account with the subject “Refund request”, your name, the course name, and the UPI transaction reference (UTR) and date of payment. We acknowledge every request and tell you the outcome.

• Approved refunds are sent back to the same UPI ID or bank account the payment came from. We do not refund to a different account, and we do not refund in cash or as platform credit unless you ask for credit and we agree.
• The refund is normally initiated within [[ To be confirmed: working days taken to process an approved refund ]] of approval. Your bank may take a few additional working days to show the credit.
• We refund the amount we actually received. Any charge levied by your own bank or payment app on the original transfer is not refundable by us.

Please raise any billing problem with us first — we can usually resolve it faster than a bank dispute. If a chargeback or payment dispute is raised while a refund request is already in progress with us, access to the course is suspended until the dispute is settled.

We may update this policy, for example when card and netbanking payments replace manual UPI verification. The version in force is the one on this page on the date of your purchase. Questions go to support@growthscholar.in or the details on our contact page.