Refund Policy

Effective Date: January 1, 2025

At Sudha Murthy Finance Academy, we are committed to providing high-quality financial education and ensuring customer satisfaction. This Refund Policy outlines the terms and conditions under which refunds may be requested and processed.

1. 30-Day Money-Back Guarantee

We stand behind the quality of our educational programs. If you are not completely satisfied with your course purchase, you may request a full refund within 30 days of the purchase date, provided that:

• You have accessed less than 30% of the course content
• You have not downloaded more than three course resources
• You provide a reason for your refund request
• The request is made within 30 days of the original purchase date

2. Refund Request Process

To request a refund, please follow these steps:

1. Contact our customer support team at [email protected]
2. Include your order number and purchase details
3. Provide a brief explanation of why you are requesting a refund
4. Allow 3-5 business days for us to review your request

We will respond to your refund request via email within 5 business days. If approved, your refund will be processed within 7-10 business days.

3. Refund Processing

Once your refund request is approved:

• Refunds will be issued to the original payment method used for the purchase
• Processing time is typically 7-10 business days, but may vary depending on your financial institution
• You will receive a confirmation email once the refund has been processed
• Your access to the course materials will be revoked upon refund approval

4. Non-Refundable Circumstances

Refunds will NOT be granted in the following circumstances:

• Requests made more than 30 days after the purchase date
• You have accessed more than 30% of the course content
• You have downloaded excessive course materials or resources
• You have completed the course or received a certificate of completion
• You have violated our Terms and Conditions or User Conduct policies
• The purchase was made during a special promotion with specific non-refundable terms
• You have shared course content or login credentials with others

5. Elite Financial Mastery Package

Due to the comprehensive nature and personal mentorship included in the Elite Financial Mastery Package ($1,200), the following additional conditions apply:

• Refund requests must be made within 14 days (not 30 days) of purchase
• No refunds will be provided after any one-on-one mentorship session has been conducted
• You must not have accessed any exclusive elite member resources

6. Technical Issues

If you experience technical difficulties accessing your course:

• Contact our support team immediately at [email protected]
• We will work to resolve technical issues within 48 hours
• If we cannot resolve the technical issue, a full refund may be granted regardless of the 30-day period
• Refunds for technical issues are assessed on a case-by-case basis

7. Course Updates and Changes

We continuously improve and update our course content. If significant changes are made to a course you have purchased:

• You will receive free access to all updated content
• No refunds will be provided due to course updates or improvements
• Lifetime access includes all future updates and additions to the course

8. Disputed Charges

If you dispute a charge with your credit card company or payment provider:

• Please contact us first to resolve the issue directly
• Chargebacks filed without attempting to resolve the issue with us may result in permanent ban from our services
• We reserve the right to provide evidence of course access and usage to payment processors

9. Partial Refunds

In certain circumstances, we may offer partial refunds at our discretion:

• If you have accessed between 30-50% of the course content
• If special circumstances warrant consideration
• Partial refund amounts will be determined on a case-by-case basis
• Partial refunds are not guaranteed and are offered at our sole discretion

10. Course Bundles and Packages

For purchases that include multiple courses or bundled packages:

• Refund eligibility applies to the entire bundle, not individual courses within the bundle
• You must not have substantially accessed any course within the bundle
• The 30-day period applies from the date of bundle purchase

11. Promotional Discounts

If you purchased a course using a promotional discount or coupon code:

• Refunds will be issued for the amount actually paid
• Promotional codes cannot be reinstated after a refund
• Special promotional offers may have specific refund terms communicated at the time of purchase

12. Account Termination

If your account is terminated due to violation of our Terms and Conditions:

• No refunds will be provided
• Access to all purchased courses will be permanently revoked
• You will be prohibited from future purchases

13. Currency and Exchange Rates

All refunds are processed in US Dollars (USD):

• If your purchase was made in another currency, the refund amount may vary due to exchange rate fluctuations
• We are not responsible for currency conversion fees charged by your bank or payment processor
• Refunds are calculated based on the USD amount paid, converted at the current exchange rate

14. Processing Fees

Please note that:

• We absorb all payment processing fees for approved refunds
• You will receive a full refund of the amount paid
• Third-party fees (such as bank transfer fees) are not our responsibility

15. Satisfaction Commitment

Our goal is your complete satisfaction with our educational programs. If you are experiencing issues or concerns:

• Contact us before requesting a refund - we may be able to address your concerns
• We offer free consultations to help you choose the right course
• Our support team is available to answer questions and provide guidance

16. Exceptions and Special Cases

We reserve the right to make exceptions to this policy on a case-by-case basis for extraordinary circumstances, including but not limited to:

• Medical emergencies
• Financial hardship
• Course quality issues
• Other extenuating circumstances

Such exceptions are granted at our sole discretion and do not set a precedent for future requests.

17. Contact Information for Refunds

For all refund-related inquiries, please contact us:

Sudha Murthy Finance Academy
Refund Department
Email: [email protected]
Phone: +221146576410
Address: 90, Nilima Heights, KimGunj, Kota - 408815, India
Registration Number: 26196943

Business Hours: Monday - Friday, 9:00 AM - 6:00 PM IST

18. Policy Changes

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. Your purchase and continued use of our services constitutes acceptance of any changes to this policy. The policy in effect at the time of your purchase will govern your refund rights.

We appreciate your trust in Sudha Murthy Finance Academy and are committed to providing you with exceptional financial education and customer service.