Refund and Cancellation Policy

1. Before you purchase

Before buying a paid Service, please review:

• what the Service includes and does not include;
• its features and the access period;
• any device or other requirements;
• the price and payment terms; and
• whether the Service suits your preparation needs.

If anything is unclear, contact us before you pay.

2. Support

For any question about a purchase, a payment or a refund, email support@smritipyq.in from the address associated with your account.

3. Refunds

If a paid Service is not right for you, email support@smritipyq.in within 7 days of your payment with the subject line “Refund”, and we will refund it in full. You do not have to give a reason. This 7-day window is unconditional and is not affected by how much of the Service you have used.

After the 7-day window, purchases of digital Services are generally final and non-refundable, and access continues for the remainder of the paid period. We do not provide pro-rata refunds on a fixed-period licence for reasons such as a change of mind, loss of interest, lack of time to study, or dissatisfaction after purchase. This does not apply where we withdraw a paid feature or the Service is unavailable for an extended period; in that case, contact us and we will put it right.

We approve and initiate an eligible refund within 2 business days of your email. Your bank or payment provider then typically takes 5 to 7 business days to credit the amount to the original payment method. Refunds are always made to the original payment method and cannot be redirected to a different card or account.

4. Payment issues

Contact us with your payment reference if:

• money left your account but access did not appear;
• you were charged more than once for the same purchase;
• a transaction was declined or failed but an amount was debited; or
• you believe a charge was unauthorised.

Duplicate or incorrect charges are refunded in full and do not count against the 7-day window. We are not responsible for delays, limits or failures caused by your bank or payment provider, or for transactions for which we have not received funds.

5. Cancellation and subscription billing

Where a paid Service is offered as a one-time purchase for a fixed access period, there is nothing to cancel: it does not renew, no payment mandate is stored, and no further charge is made unless you start a new purchase yourself. If you simply stop using the Service, you will not be billed again.

Where a Service is expressly offered on a recurring subscription basis, you authorise the recurring charge for each billing cycle until you cancel. Cancelling stops future renewals; access continues until the end of the billing period you have already paid for, and cancellation by itself does not create a refund.

6. Delivery of digital Services

Smriti is a digital service. Access to a paid Service is unlocked on your account immediately on successful payment, usually within seconds and in any case within a few minutes. Nothing is shipped and no physical goods are involved. If access has not appeared within 30 minutes of a successful payment, email us with your payment reference and we will fix it or refund you.

7. Changes to this policy

We may update this policy from time to time. If a change is material, we will update the “Last updated” date at the top of this page.