Refund & Cancellation Policy

This Refund and Cancellation Policy applies to all course enrollments and digital purchases made on the Paliwal Commerce Classes platform (paliwalcommerce.in), operated by Vinay Paliwal, a sole proprietor trading as Paliwal Commerce Classes (“PCC,” “we,” “us”).

Please read this policy carefully before completing an enrollment — it forms an integral part of our Terms and Conditions.

1. All Sales Are Final — No Returns or Refunds on Digital Courses

1.1 Because our courses consist of digital educational content (pre-recorded video lectures and downloadable or viewable study notes) that is made accessible to you immediately upon successful payment confirmation, all course purchases on the Platform are strictly final, non-returnable, and non-refundable, except under the limited verifiable circumstances detailed in Section 2 below.

To assist you in making an informed decision before purchasing, free preview video lectures and sample study materials are made available across our courses so you can evaluate the teaching quality in advance.

2. Exceptions — When a Refund Will Be Issued

We stand behind fair business practices. We will promptly issue a refund under the following verifiable conditions:

• 2.1 Duplicate or Erroneous Payment: If you were charged more than once for the same course due to a technical error (such as a payment gateway glitch causing a double debit), or charged an incorrect sum due to a system error, the excess amount will be refunded in full.
• 2.2 Payment Deducted, Access Not Granted: If payment was successfully deducted by your bank or Razorpay but course access was not activated due to a technical failure on our platform (and not resolved promptly after being reported), we will grant immediate access or issue a full refund.
• 2.3 Failed Transactions: If a payment attempt fails but money was deducted by your bank, it is normally reversed automatically by your bank within 5–7 business days. If not reversed within 7 business days, contact us with your reference ID and we will assist in resolving it with Razorpay.
• 2.4 Course Withdrawn by Us: If we permanently discontinue an active paid course you purchased before your 12-month access period ends without providing equivalent replacement materials, we will issue a pro-rata refund for the remaining duration.
• 2.5 Legally Mandated Refunds: Any refund required under applicable Indian consumer regulations or judicial directives will be honoured.

3. How to Request a Refund

To submit a refund request under one of the eligible exceptions in Section 2:

1. Email kapclasses@gmail.com within 7 days of the transaction date from the email address registered with your PCC account.
2. Include your registered student name, course title, date of transaction, Razorpay Payment ID or reference number, and a description of the issue.
3. Our support team will acknowledge receipt within 48 hours and aim to resolve the investigation within 5–7 business days.

4. Refund Processing and Gateways

4.1 Original Payment Method: Approved refunds are credited directly back to the original payment source (same bank account, UPI ID, or payment card) as required under RBI and payment gateway guidelines.

4.2 Timeline: Once initiated, funds typically reflect in your account within 5–7 business days, depending on your financial institution.

4.3 Fee Absorption: PCC absorbs any payment gateway processing fees on approved refunds. You receive 100% of the eligible refunded amount with no deduction for transaction aggregator charges.

5. Cancellations

Because course materials and video streams are unlocked instantly upon payment confirmation, there is no pre-dispatch cancellation window. If you close the checkout window prior to payment submission, no transaction occurs and no cancellation is required.

6. Contact for Refund Queries

If you have questions regarding an order, payment receipt, or refund status, please contact us: