Refund Policy

<h1>Refund & Cancellation Policy</h1>

Effective Date: September 7, 2026
Last Updated: September 7, 2026

This Refund & Cancellation Policy governs purchases made through the Testifya platform (“Testifya,” “we,” “us,” or “our”).

Testifya is an online educational marketplace that enables teachers, educators, subject experts, coaching institutes, content creators and other approved providers (“Educators” or “Creators”) to offer educational products and services to students and other users (“Users”).

By purchasing any course, study material, PDF, mock test, test series, question bank, subscription, assessment, or other digital educational product through Testifya, you acknowledge that you have read and agreed to this Refund & Cancellation Policy, subject to any rights available to you under applicable law.

1. Nature of Products and Services

Testifya primarily facilitates access to digital educational products and services, including but not limited to:

Online courses;
Recorded and/or live educational classes;
PDF study materials and notes;
Mock tests and test series;
Online CBT-based examinations and assessments;
Question banks and practice sets;
Exam preparation programs;
Subscriptions and memberships;
Educational resources and downloadable content; and
Other digital educational products offered by Educators through the platform.

Because many products are delivered digitally and may become available immediately after successful payment, purchases are generally final and non-refundable, except in the circumstances specifically described in this Policy or where a refund is otherwise required under applicable law.

<h1>2. General Refund Policy</h1>

Once a User successfully purchases a digital product and receives access to the purchased content, the purchase will generally not be eligible for cancellation or refund.

This includes situations where a User:

Changes their mind after purchase;
Decides not to use the product;
Finds the product unsuitable after accessing it;
Purchases the wrong course or study material;
Does not achieve the expected examination result;
Does not qualify for an examination;
Is unable to attend an examination for personal reasons;
Has insufficient time to complete the purchased product;
Has already accessed, viewed, attempted or downloaded the content; or
Purchases a product that is clearly described and delivered substantially as advertised.

Testifya does not guarantee any particular examination score, rank, selection, admission, employment, certification or other outcome from the use of any educational product.

<h1>3. Limited Refund Eligibility</h1>

A refund may be considered in the following limited circumstances:

A. Technical or Platform Error

A refund request may be considered where:

Payment for the product has been successfully completed;
The purchased product is not accessible due to a verified technical or platform-related error;
The User has contacted Testifya and provided reasonable information necessary to investigate the issue;
Testifya is unable to restore access or otherwise resolve the issue within a reasonable period; and
The User has not otherwise substantially used the purchased content.

B. Product Not Delivered

A refund may be considered where payment has been successfully processed but the purchased digital product has not been made available to the User due to a verified Testifya or Creator-side delivery failure, and the issue cannot reasonably be resolved.

C. Duplicate Payment

If the same transaction is unintentionally charged more than once due to a technical or payment-processing error, the duplicate amount may be eligible for refund after verification.

D. Other Exceptional Circumstances

Testifya may, at its discretion, consider a refund in exceptional circumstances where appropriate.

Any such decision will be made based on the individual circumstances of the case and will not automatically create a right to a refund for future purchases.

Nothing in this Policy is intended to exclude or restrict any refund, cancellation or other consumer right that cannot lawfully be excluded under applicable law.

<h1>4. Refund Request Time Limit</h1>

Unless otherwise required by applicable law, refund requests relating to technical or delivery problems should be submitted within twenty-four (24) hours of the original purchase or the time the issue is first identified, whichever is applicable.

Testifya may consider requests submitted after this period where there are exceptional circumstances or where required by applicable law.

Users should report technical problems as soon as possible so that Testifya can investigate and attempt to resolve the issue.

<h1>5. Non-Refundable Purchases</h1>

Except where otherwise required by applicable law or expressly approved by Testifya, the following purchases are generally non-refundable:

Courses where the User has received access to the educational content;
Courses where videos, lessons or other materials have been viewed or accessed;
PDFs or study materials that have been made available or downloaded;
Mock tests that have been accessed, started or attempted;
Test series where one or more tests have been accessed or attempted;
Question banks or practice sets that have been accessed or downloaded;
Subscriptions where access has already commenced;
Purchases made because of a change of mind;
Purchases made due to personal circumstances;
Purchases made because the User did not achieve the expected result;
Purchases where the User did not qualify for or attend an examination;
Purchases where the User selected the wrong product but the purchased product was correctly delivered;
Promotional, discounted, bundled or special-offer products, unless otherwise stated;
Products purchased through a third-party promotion where the applicable promotional terms state otherwise; and
Products that have been substantially accessed or utilized.

<h1>6. Cancellation of Orders</h1>

Because Testifya primarily provides digital educational products, cancellation may not be possible once access to the purchased product has been granted.

A User may contact Testifya immediately after placing an order if they believe the order was placed incorrectly or if there has been a payment error.

Testifya will review such requests on a case-by-case basis.

Cancellation of an order is not guaranteed merely because the User has not yet started using the product if access has already been provisioned, subject to applicable law and the specific circumstances.

<h1>7. Technical Problems and Access Issues</h1>

If a User cannot access a purchased product because of a technical problem, the User should first contact Testifya support.

Depending on the circumstances, Testifya may attempt to:

Restore access;
Correct the technical problem;
Re-enable the purchased product;
Extend the validity period of the product;
Provide an alternative method of accessing the purchased content; or
Take another reasonable corrective measure.

A refund will generally be considered only where Testifya is unable to reasonably resolve the verified access or delivery problem.

Users should not assume that a temporary technical issue automatically qualifies them for a refund.

<h1>8. Refund Request Procedure</h1>

To submit a refund request, the User should contact Testifya through the official support or Contact Us channel provided on the platform.

The refund request should include:

Full name;
Registered email address or account details;
Order ID or transaction reference;
Name of the purchased product;
Date and approximate time of purchase;
Description of the problem;
Relevant screenshots or other supporting information, where applicable; and
Any additional information reasonably required to verify the transaction.

Testifya may request additional information to investigate the claim.

Providing incomplete, inaccurate or misleading information may result in rejection of the refund request.

<h1>9. Review and Approval of Refund Requests</h1>

All refund requests are subject to verification.

Testifya may review:

Payment records;
Product access records;
Download records;
Course or lesson access records;
Test attempts;
Subscription status;
Technical logs;
Communication history; and
Other information reasonably necessary to determine whether the request is eligible.

Submitting a refund request does not guarantee approval.

Where a refund is approved, Testifya will communicate the decision to the User through the registered contact details or support channel.

<h1>10. Refund Processing</h1>

Where a refund is approved, Testifya will generally initiate the refund to the original payment method used for the transaction.

Refund processing will generally be initiated within seven (7) to ten (10) business days after approval, unless a different period is required due to payment-provider procedures, banking processes, technical circumstances or applicable law.

The actual time required for the refunded amount to appear in the User's bank account, card account, UPI account or other payment method may vary depending on the relevant payment service provider or financial institution.

Testifya is not responsible for delays caused solely by banks, payment gateways or other third-party financial institutions.

<h1>11. Failed or Reversed Transactions</h1>

If a payment fails but the amount has been debited from the User's bank account or payment method, the transaction may be automatically reversed by the relevant payment gateway or financial institution.

Users should allow reasonable processing time for such reversals.

If the amount is not reversed within the applicable payment-provider timeframe, the User may contact Testifya with the transaction details so that the payment status can be investigated.

<h1>12. Unauthorized or Fraudulent Transactions</h1>

If a User believes that a transaction was made without authorization, the User should notify Testifya immediately and, where appropriate, also contact their bank, card issuer or payment service provider.

Testifya may investigate suspected unauthorized transactions and may request information reasonably necessary to verify the claim.

Refunds relating to unauthorized transactions will be handled based on the results of the investigation and applicable law.

Testifya reserves the right to reject claims that it reasonably believes are fraudulent, misleading or abusive.

<h1>13. Teacher / Educator Revenue and Refund Adjustments</h1>

Testifya operates as an educational marketplace through which approved Educators may sell educational products and services.

Where an Educator receives earnings from a transaction that is subsequently refunded, cancelled, reversed or charged back, Testifya may adjust the Educator's corresponding earnings, commission, balance or future payout, in accordance with the applicable Educator Agreement, revenue-sharing terms and platform policies.

Such adjustment may include:

Deduction from future payouts;
Reversal of previously credited earnings;
Adjustment against the Educator's Testifya balance; or
Other reasonable accounting adjustments permitted under the applicable agreement.

Educators are responsible for reviewing the applicable terms governing their participation on Testifya.

<h1>14. Chargebacks and Payment Disputes</h1>

Before initiating a chargeback with a bank or payment provider, Users are encouraged to contact Testifya so that the issue can be investigated and, where appropriate, resolved.

Where a payment provider reverses a transaction through a chargeback, Testifya may suspend or restrict access to the associated product while the matter is investigated.

Testifya may provide relevant transaction, access and usage information to payment providers or financial institutions where reasonably necessary to respond to a disputed transaction or prevent fraud, subject to applicable law and privacy obligations.

<h1>15. Promotional and Discounted Products</h1>

Products sold under promotional pricing, discounts, coupons, bundles, introductory offers or special campaigns are generally subject to the same refund rules stated in this Policy unless the relevant promotion expressly provides different terms.

Any special refund conditions associated with a particular offer will be displayed or communicated at the time of purchase where applicable.

<h1>16. Content Changes by Educators</h1>

Educators may periodically update, modify, replace or improve educational content.

Minor updates, corrections, additions, syllabus-aligned changes or improvements to a product do not automatically create a right to a refund.

If a purchased product is materially discontinued or becomes unavailable due to circumstances within Testifya's or the Educator's control, Testifya may, where appropriate, provide an alternative remedy such as:

Continued or extended access;
Replacement content;
An equivalent product;
Credit; or
Refund, where appropriate.

<h1>17. Abuse of the Refund System</h1>

Testifya reserves the right to reject refund requests or restrict an account where it reasonably believes that a User is:

Repeatedly requesting refunds after using purchased content;
Attempting to obtain educational content without paying for it;
Downloading or accessing content and subsequently claiming non-delivery;
Making fraudulent or misleading claims;
Abusing promotional offers;
Attempting to circumvent platform restrictions; or
Otherwise misusing the refund process.

Any action taken under this section will be subject to applicable law.

<h1>18. Access After Refund</h1>

Once a refund has been approved and processed, Testifya may revoke or disable the User's access to the refunded product.

The User must not continue to use, download, reproduce, distribute or otherwise exploit refunded digital content.

Any continued use of refunded content may constitute a violation of Testifya's Terms & Conditions and applicable intellectual property rights.

<h1>19. No Guarantee of Examination Results</h1>

Testifya provides access to educational products and services created or offered by Educators.

Testifya does not guarantee that purchasing or using any course, study material, mock test, test series or other educational product will result in:

A particular examination score;
A particular rank;
Qualification in an examination;
Admission to an institution;
Selection for employment;
Government employment;
Certification; or
Any other specific academic or professional outcome.

Failure to achieve a desired academic, examination or career outcome is therefore not, by itself, a basis for a refund.

<h1>20. Third-Party Payment Services</h1>

Payments made through Testifya may be processed by third-party payment gateways, banks, UPI providers, card networks or other payment service providers.

Such providers may have their own terms, procedures and processing timelines.

Where applicable, Users may also be subject to the terms and policies of the relevant payment provider.

<h1>21. Changes to This Refund Policy</h1>

Testifya reserves the right to modify, update or amend this Refund & Cancellation Policy from time to time.

Any updated version will be published on the Testifya platform and will become effective from the date stated in the updated Policy, unless otherwise required by applicable law.

Users are encouraged to review this Policy periodically.

<h1>22. Applicable Law</h1>

This Refund & Cancellation Policy shall be interpreted in accordance with applicable laws and regulations of India.

Nothing in this Policy is intended to limit any mandatory rights or remedies available to Users under applicable law.

<h1>23. Contact Us</h1>