Refund Policy

The short version

We refund payment failures and billing errors. We do not refund a correctly delivered file because you changed your mind after reading it — which is precisely why every product page publishes the table of contents, the opening pages and an explicit list of what the guide does not cover. Please use those before paying; they exist so that nobody has to test this policy.

Why instant delivery changes the rules

A PDF cannot be returned. Once the file has been downloaded, you keep a permanent, fully usable copy of the entire product, so a refund after download would mean giving the product away rather than reversing a sale. For that reason completed purchases are generally non-refundable once the download has been accessed. This is standard for instantly delivered digital goods and is the reason we publish so much of each guide up front.

When we do refund

• Payment succeeded, download never unlocked. Our first step is to email you the file. If you would rather not have it at that point, we refund in full.
• Duplicate charge. Two payments for the same guide — we refund the extra one, no questions asked.
• Amount charged differs from the price shown. We refund the difference, or the whole transaction if you prefer.
• Corrupted or unopenable file. We try to supply a working copy first. If we cannot, you get a full refund.
• Unauthorised payment. If someone used your card or UPI without permission, tell us and your bank; we refund on confirmation and do not contest it.

When we cannot refund

• The guide was delivered and downloaded, and the reason for the request is that you no longer want it or already knew the material.
• The guide did not produce a particular outcome — an interview offer, an admission, a visa, an exam result or a budget saving. We explicitly do not promise outcomes anywhere on this site.
• You expected content that the product page listed as not included.
• The file was shared, resold or republished, which is a breach of the terms of use.

How to request one

Email support@upskillme.shop with the Razorpay payment ID or order ID, the guide name, the amount and currency charged, and a one-line description of what happened. Requests are acknowledged within two business days. Approved refunds are initiated within two business days of approval and are returned to the original payment method only — we cannot redirect a refund to a different card, account or UPI ID.

Settlement time then depends on your bank or card network, typically five to seven working days for Indian methods and up to ten working days for international cards. Refunds are issued in the original currency; if your bank applied a foreign exchange conversion, the rupee value you receive may differ slightly from what you paid, and that difference is set by your bank rather than by us.

Chargebacks and disputes

If you are unhappy with an outcome, please email us before raising a chargeback — a direct refund is faster than a bank dispute and we would rather resolve it. Where a chargeback is raised, we cooperate with Razorpay's process and supply the transaction record and delivery evidence. Nothing in this policy limits rights you may have under applicable consumer law in your country.