REFUND AND CANCELLATION POLICY

1. Introduction

This Refund and Cancellation Policy outlines the terms governing refunds, cancellations, and service discontinuation for products and services provided by Machpay Fintech LLP, an EdTech technology and software solutions provider.

2. Scope

This policy applies to:

Online courses and educational programs
Learning Management System (LMS) subscriptions
Software licenses and subscriptions
Digital learning content
Technology platform services
Enterprise software solutions
Training and implementation services
Other products and services offered by the Company

3. Cancellation of Services

By the Customer

Customers may request cancellation of a subscription or service by contacting the Company through the designated support channels.

Cancellation requests will be processed according to the applicable service agreement or subscription terms.

By the Company

The Company reserves the right to suspend or terminate services in cases including but not limited to:

Violation of Terms and Conditions
Fraudulent or unlawful activities
Non-payment of applicable fees
Regulatory or legal requirements

4. Refund Eligibility

Refund requests may be considered under the following circumstances:

Duplicate payment or billing errors
Technical issues preventing access to purchased products or services where the Company is unable to provide a reasonable resolution
Incorrect charges resulting from system errors
Products or services not delivered due to Company-related issues
All refund requests are subject to review and verification by the Company.

5. Non-Refundable Products and Services

Unless otherwise required by law, the following are generally non-refundable:

Accessed or completed online courses
Downloaded digital content
Software licenses that have been activated
Customized software development services
Implementation and consulting services already delivered
Subscription fees for completed billing periods
Third-party products or services purchased through the platform

6. Course and Educational Program Refunds

Where educational programs are offered through the platform:

Refund eligibility may depend on the specific course provider, institution, or training partner.
Once substantial course access, content consumption, assessments, or certifications have been completed, refunds may not be available.
Any course-specific refund terms communicated at the time of enrollment shall prevail.

7. Subscription Services

For recurring subscription services:

Customers may cancel future renewals at any time.
Cancellation will generally take effect at the end of the current billing period.
Fees already paid for an active subscription period are typically non-refundable unless otherwise stated.

8. Refund Request Process

To request a refund, customers should provide:

Full name
Registered email address
Transaction reference number
Date of purchase
Reason for refund request
Supporting documents, if applicable
Refund requests should be submitted to the Company's customer support team.

9. Refund Processing

If a refund request is approved:

Refunds will be processed through the original payment method whenever possible.
Processing timelines may vary depending on banks, payment service providers, and financial institutions.
The Company is not responsible for delays caused by third-party payment service providers.

10. Partial Refunds

In certain situations, the Company may provide a partial refund based on:

Extent of product or service utilization
Contractual commitments
Costs already incurred
Nature of the product or service delivered
The Company's decision regarding partial refunds shall be final and reasonable under the circumstances.

11. Chargebacks and Payment Disputes

Customers are encouraged to contact the Company before initiating chargebacks or payment disputes with their bank or payment provider.

The Company reserves the right to provide transaction records and service usage information to financial institutions during dispute investigations.

12. Changes to this Policy

The Company may revise this Refund and Cancellation Policy from time to time.

Updated versions will be published on the Company's website and become effective upon publication.

13. Contact Information

For refund, cancellation, or billing-related inquiries, please contact:

Machpay Fintech LLP No. 26, O Block, 18th Avenue, Ashok Nagar, Chennai – 600083
Email: Contact@machpay.in
Contact Number: 7092921587

14. Final Decision

All refund requests are reviewed individually. The Company's decision regarding refund eligibility shall be made in accordance with this policy, applicable agreements, and relevant legal requirements.