Refund and Cancellation Policy

1. Summary

• Window: you must request a refund within 7 days of the purchase date.
• Valid reason required: refunds are given only for the reasons listed in section 2.
• Not covered: change of mind, lack of time, or the reasons listed in section 3.
• Money back to source: approved refunds go back to the original payment method.

2. When you are eligible for a refund

You can get a full refund if you ask within 7 days of purchase and one of these is true:

1. Duplicate payment: you were charged more than once for the same course and level.
2. Payment taken, no access: your payment was deducted but you did not get access, and our support team could not fix it within 2 working days of your report.
3. Technical problem on our side: a problem with our platform stops you from opening the course, and we cannot fix it within 5 working days of your report.
4. Not as described: the course is materially different from what its course page described at the time you bought it (for example, chapters or classes listed on the page are missing).
5. Live class cancelled by us: we cancel a live class or cohort and cannot offer a new date that works for you.

3. When a refund is not given

• The request is made more than 7 days after purchase.
• Change of mind, not having time, or buying the wrong level. You can upgrade to a higher level instead by paying the difference.
• You have completed more than 50% of the chapters of your level, or downloaded or copied course material.
• Problems caused by your own device, internet connection or browser, where the course works normally for other learners.
• Third-party tools (for example AI tools used in a course) changing their prices, limits or features. We tell you on each course page that tool prices change.
• Results that depend on you, such as sales, marketplace approval, income or exam results. We do not promise these.
• Live classes: you missed a scheduled session. Recordings are provided instead.
• Your account was suspended for breaking our Terms, such as sharing your login or content.
• Purchases made with a promotional or free-access coupon.

4. Cancellation

Because access is delivered instantly, an order cannot be cancelled once payment is confirmed, except through a refund under section 2. If your payment fails or is still pending, no money is taken; any amount debited for a failed payment is reversed by your bank or by our payment gateway, usually within 5 to 7 working days.

For live classes and cohorts, you can ask to cancel and get a full refund if you write to us at least 48 hours before the first live session and within 7 days of purchase.

5. How to request a refund

1. Email [add support email in content/legal.json] from the email address on your account.
2. Include your order ID, the course and level, the reason, and screenshots if relevant.
3. We reply within 2 working days, and give a decision within 5 working days of your request.

6. How long a refund takes

Approved refunds are processed through our payment gateway (Cashfree Payments) to your original payment method. Once we approve it, the money usually reaches you in 5 to 7 working days, depending on your bank or card issuer. UPI refunds are often faster.

7. After a refund

Your access to that course and level ends when the refund is processed, and any certificate issued for it is cancelled.

8. Chargebacks

Please contact us before raising a dispute with your bank. Most issues are solved quickly. If a chargeback is raised, access to the course is paused while it is reviewed.

9. Contact

Business name

[add business name in content/legal.json]

Brand

Gumana AI (ai.gumana.in)

Address

[add registered address in content/legal.json]

Email

[add support email in content/legal.json]

Phone

[add phone in content/legal.json]

Support hours

Monday to Saturday, 10 am to 6 pm IST

Grievance officer

[add grievance officer name in content/legal.json] · [add grievance officer email in content/legal.json]