CANCELLATION AND REFUND POLICY:

1. Non-Cancellable Products:
Once a Product is purchased, it cannot be cancelled, and the Company shall not be liable to refund any amount for the purchased Product. Users are responsible for evaluating the suitability of the Product(s) before making a purchase.

2. System Requirements:
Users are responsible for ensuring that their devices, hardware, software, internet connection, and other system requirements are compatible with the Product(s) before purchase. The Company will not provide refunds if access to the Product(s) is impaired due to insufficient system requirements.

3. User Responsibility for Course Completion:
It is the sole responsibility of the User to study the Product(s) and complete any relevant examinations or certifications, using the methods provided by the Company or otherwise. The Company shall not be liable if the User fails to complete the course or clear the relevant exams/certifications for any reason, including but not limited to:

• Poor attendance
• Incomplete participation
• Technical difficulties beyond the Company’s reasonable control

4. Exceptional Refunds:
The Company may, at its sole discretion, offer refunds or credits in special circumstances. Any such refunds or credits shall be provided only upon written approval by the Company and in accordance with its policies.

5. In case a candidate erroneously makes payment of his fees to the Company more than once, then the Company shall refund the excess amount paid by the candidate, provided the same is duly credited to the accounts of the Company, towards the fees of the candidate.

6. In order to enable the Company to process of refund, the candidate shall:

• Make an application to the Company through email at info@ciel.co.in, along with all the supporting documents / screenshots to support his case.
• The candidate should state his transaction reference number and the order ID generated to enable faster tracing of the transaction.
• Within 20 working days of the receipt of the entire set of documents by it from the candidate, the Company shall undertake due verification of all the documents and upon confirmation of receipt of the extra funds by the Company to its satisfaction, refund the excess amount to the candidate, after deduction of applicable processing charges.
• In case of any discrepancy in the amount of excess funds credited to the accounts of the Company as against the claim made by the candidate, the decision of the Company shall be final and binding upon the candidate.
• The Company shall initiate the refund to the candidate by sending a link to the registered email address of the candidate, upon receipt whereof, the candidate shall be required to provide his bank details by clicking on such link.
• Upon receipt of the bank details of the candidate, the Company shall process the refund of the relevant amount to the candidate.

Payment Processing

7. All payments for courses, programs, or services offered by FinX shall be processed through authorized third-party payment gateways such as Razorpay, Paytm, or any other approved payment service provider (“Payment Partner”).

8. When you initiate a payment, you may be redirected to the Payment Partner’s platform. The Payment Partner may require you to provide financial information such as credit/debit card details, UPI ID, net banking information, or other sensitive data.

9. FinX does not collect, store, or have access to your financial credentials or payment details entered on the Payment Partner’s platform.

10. You acknowledge and agree that all transactions are subject to the Payment Partner’s terms, conditions, and privacy policies. FinX shall not be responsible or liable for any failure, error, unauthorized transaction, or dispute arising from the use of third-party payment gateways.

11. Any queries, disputes, or refund requests related to payment processing must be addressed directly with the Payment Partner, in accordance with their policies, unless explicitly covered under FinX’s Refund & Cancellation Policy.