Payment & Refund Policy

This Payment & Refund Policy applies to all course purchases made through Online Jyotish Course, a brand operated by Kudwal Gems, Ajmer, Rajasthan, India.

By purchasing a course through our website, you agree to the terms of this policy.

1. Course Pricing

All course prices will be displayed on the relevant course or offer page.

The final amount payable, including any applicable taxes or additional charges, will be displayed during checkout as required by law.

Prices, discounts, promotional offers, and course packages may change from time to time. Any changes will not ordinarily affect an order already successfully placed, except where correction or cancellation is legally permitted.

2. Accepted Payment Methods

We may accept payments through the payment methods made available on our website, which may include UPI, debit cards, credit cards, net banking, or other supported payment options.

Payments may be processed by third-party payment gateways. Transactions are subject to the applicable terms and security procedures of the relevant payment provider.

Customers must provide accurate payment details and ensure sufficient funds are available to complete the transaction.

3. Order Confirmation and Course Activation

Course access is generally provided after successful payment confirmation.

After a successful purchase, customers may receive an order confirmation, payment receipt, account information, or course access instructions through the registered email address, mobile number, or learning portal.

If payment has been deducted but course access has not been activated, please contact us with your order details and payment transaction reference.

We will review the transaction and take appropriate action based on the payment status and applicable circumstances.

4. Course Access Validity

Unless a different duration is expressly mentioned in the applicable offer, access to the online learning management system (LMS) is valid for one year from the applicable activation or enrolment date.

After the validity period expires, course access may be discontinued unless an extension or renewal is offered and purchased.

The course may contain text-based lessons, videos, and other digital educational materials. Access is subject to the applicable Terms of Service and account security requirements.

5. Refund Policy

All course purchases are non-refundable unless the applicable offer expressly states that a refund is available.

Before completing a purchase, customers should review the course description, included materials, access duration, price, and any offer-specific conditions.

Once payment has been successfully completed, refunds will not ordinarily be provided merely because a customer:

• Changes their mind after purchasing.
• Decides not to start or continue the course.
• Does not use the learning portal.
• Is dissatisfied with their personal learning progress or expected outcomes.
• Fails to complete the course within the access validity period.

These conditions are subject to any express refund commitment made in the relevant offer and any mandatory rights or remedies available under applicable law.

6. Offers That Explicitly Provide a Refund

Some promotional offers may expressly include a refund facility.

Where the applicable offer clearly states that a refund is available, the specific eligibility conditions, refund period, procedure, and other restrictions stated in that offer will apply.

Customers must follow the stated procedure and submit any required information within the applicable time limit.

If an offer does not expressly mention a refund, the standard non-refundable policy applies, subject to applicable law.

7. Failed, Pending, or Duplicate Payments

If a payment fails or remains pending, course access may not be activated until the payment status is confirmed.

If money is deducted from your account despite a failed transaction, please contact us with the transaction reference and relevant payment details so that we can investigate.

For duplicate payments, we will verify the transactions and arrange an appropriate resolution where a duplicate charge is confirmed.

Where a refund is due for a failed, duplicate, or otherwise incorrectly processed transaction, it will be handled in accordance with the payment provider's procedures and applicable law.

8. Refund Processing

Where a refund is approved or legally required, it will generally be processed through the original payment method wherever practicable.

The time taken for the amount to appear in your account may depend on the payment gateway, bank, or other financial institution involved.

We will communicate any relevant information or additional steps required to complete the refund.

9. Cancellation by the Company

If we are unable to provide a purchased course or need to cancel an order for reasons attributable to us, we will review the circumstances and provide an appropriate resolution in accordance with applicable law and the specific commitments made at the time of purchase.

Nothing in this policy limits any refund or other remedy that is legally required.

10. Chargebacks and Payment Disputes

If you notice an unauthorised or incorrect charge, please contact us promptly so that we can investigate.

Customers may also contact their bank or payment provider where appropriate.

We reserve the right to provide relevant transaction and order records when responding to legitimate payment disputes, subject to applicable law and privacy requirements.

11. Contact for Payment and Refund Queries

For payment issues, missing course access, duplicate transactions, or refund-related queries, please contact us:

Please include your registered name, order number, registered email or mobile number, and payment transaction reference when contacting us about a transaction.

12. Policy Updates

We may update this policy from time to time to reflect changes in our services, payment processes, or applicable legal requirements.

The revised policy will be published on this page with an updated effective date. Changes will apply as permitted by applicable law and will not override any mandatory consumer rights or specific commitments applicable to an existing purchase.