Refund and Return Policy

Last Updated: January 17, 2026

1. INTRODUCTION AND SCOPE

This Refund and Return Policy (hereinafter referred to as the “Policy”) establishes the comprehensive terms, conditions, and procedures governing all refund requests, returns, cancellations, and monetary transactions conducted through ManishJassal.com (hereinafter referred to as the “Platform,” “Website,” “we,” “us,” “our,” or the “Company”), operated by Manish Jassal, and located at https://www.manishjassal.com, including all associated pages, content, services, products, and materials (collectively, the “Website”).

This Policy applies to and governs all transactions, purchases, enrollments, payments, and financial interactions processed through the Website. By accessing, using, or engaging in any transaction on the Website, users expressly acknowledge that they have reviewed, understood, and unconditionally accepted all terms and conditions outlined in this Policy.

The Platform operates on a dual transaction model:

1. Affiliate Course Recommendations: The Platform provides course reviews, comparisons, recommendations, and affiliate links directing users to third-party course providers such as Udemy, Coursera, Skillshare, and similar platforms.
2. Direct Course Sales: The Platform directly creates, produces, and sells educational courses in digital formats (video, image, document, or PDF) developed and owned by ManishJassal.com. These direct course products are sold exclusively through the Website platform.

2. CLASSIFICATION OF TRANSACTIONS

2.1 Third-Party Affiliate Course Enrollments

When users click affiliate links on the Website and enroll in courses offered by third-party course providers, users enter into a direct contractual relationship exclusively with the third-party provider, not with ManishJassal.com. In such transactions, ManishJassal.com functions solely as an affiliate partner and course recommender.

Key Provisions:

• Users expressly consent to abide by, adhere to, and accept all terms of service, refund protocols, contractual obligations, and operational policies set forth by the applicable third-party course platform through which enrollment occurs.
• ManishJassal.com exercises no control over and assumes no responsibility for the policies, operations, content, conduct, customer service, or any other aspect of third-party course providers.
• ManishJassal.com does not receive user payments for third-party course enrollments and functions solely as a recommender platform.

2.2 Direct Course Sales Through ManishJassal.com

Direct course sales transactions involve users purchasing educational content created, developed, owned, and delivered directly by ManishJassal.com. These courses are available in digital formats, including but not limited to video courses, image-based courses, document-based courses, and PDF formats.

Key Provisions:

• ManishJassal.com functions as the direct seller, course creator, and content provider in these transactions.
• Users purchase and receive immediate access to downloadable digital content upon successful payment.
• Each direct course product is classified on the Website as either refundable or non-refundable based on designation.
• The refund status of each course is clearly labeled on the course product page.

3. COURSE CLASSIFICATION AND REFUND DESIGNATION

3.1 Course Labeling System

All direct courses available for purchase on ManishJassal.com are clearly designated with one of the following labels on the course product page, immediately adjacent to the purchase button or add-to-cart button:

“NO REFUND” label indicates the course is non-refundable under all circumstances.

“REFUND ELIGIBLE” label (if applicable) indicates the course may be eligible for a refund, subject to the conditions outlined in Section 4 of this Policy.

Users acknowledge their responsibility to review the refund designation label before completing any purchase. The presence of either label constitutes clear notice of the refund status for that specific course.

3.2 Binding Nature of Refund Designation

The refund designation label associated with each course at the time of purchase establishes the refund eligibility and remains binding throughout the user’s access and ownership of that course. Users acknowledge that:

• A course labeled “NO REFUND” remains non-refundable regardless of subsequent enrollment in subscription plans, membership programs, or bundled purchases.
• A course labeled “NO REFUND” remains non-refundable even if the user later attempts to request a refund through any subscription or membership plan.
• The refund designation label overrides all other provisions in this Policy and any applicable subscription or membership terms.

4. DIRECT COURSE REFUND POLICY

4.1 Non-Refundable Direct Courses

Courses Designated “NO REFUND”:

All direct courses clearly labeled “NO REFUND” on their product pages are categorically non-refundable under all circumstances, including but not limited to:

• Courses purchased directly without any subscription or membership.
• Courses purchased through a subscription plan or membership service.
• Courses purchased as part of a bundled package.
• Courses purchased using promotional codes, discount codes, or during promotional periods.
• Courses purchased by user error or change of mind.

Users acknowledge that downloadable digital content is inherently non-returnable once access is provided or content is downloaded. No exception, circumstance, or condition shall override the non-refund status of courses designated with the “NO REFUND” label.

4.2 Refundable Direct Courses (If Applicable)

Should ManishJassal.com offer any direct courses explicitly labeled “REFUND ELIGIBLE” on their product pages, the following refund policy applies:

Refund Eligibility Criteria:

• All refund claims shall be filed by the user within a fourteen (14) day period calculated from the date payment was initially processed.
• The user must not have substantially downloaded, accessed, or utilized the course content.
• The refund submission shall specify a legitimate basis proving the course suffers from substantial defects, fails to perform according to its advertised specifications, or incorporates verifiably inaccurate or deceptive representations concerning its curriculum coverage or instructional materials.
• The user must have accessed the course materials for not more than twenty percent (20%) of the total content duration or scope.

Non-Refundable Circumstances for Refund-Eligible Courses:

• Courses where the user has downloaded or accessed more than twenty percent (20%) of the total course content.
• Courses where the user has watched video content totaling more than twenty percent (20%) of the course duration.
• Courses purchased due to user error, mistake, or change of mind.
• Courses purchased with promotional or discount codes, including coupon-based discounts and promotional period pricing.
• Courses purchased during limited-time sales, flash sales, or seasonal promotions.
• Courses purchased for a user other than the account holder.
• Courses purchased using third-party financing or installment payment plans.

Refund Process for Refund-Eligible Direct Courses:

1. Submit a written refund request to support@manishjassal.com with the subject line “Refund Request: [Course Name].”
2. Include the transaction ID, date of payment, payment method used, email address associated with the account, course name, and detailed reason for the refund request.
3. ManishJassal.com will send confirmation of receipt within forty-eight (48) hours of receiving the request.
4. The Company will investigate, review, and verify the refund request within ten (10) business days.
5. Following authorization, the Company shall execute the refund transfer to the original payment instrument within a timeframe of five (5) to ten (10) business days.
6. The user will receive written notification of the refund decision via email.

4.3 Technical Issues or Content Delivery Failures

If ManishJassal.com experiences technical issues, service failures, system errors, or delivery defects that prevent a user from accessing, downloading, or utilizing a refund-eligible course, the user may be eligible for a remedy. Eligible remedies may include:

• Full or partial refund at the Company’s discretion.
• Service credit toward future purchases.
• Replacement access to the course content.
• Alternative course of equivalent or greater value.

ManishJassal.com shall determine and apply the suitable resolution appropriate to the particular nature and extent of the identified technical malfunction.

5. ONE-TIME SECOND CHANCE POLICY FOR HONEST MISTAKES

5.1 Availability of Second Chance Refund

The Company acknowledges that users may occasionally make honest mistakes when purchasing courses, including selecting the wrong course, misunderstanding course content, or inadvertently purchasing a product not intended. To demonstrate goodwill and customer care, the Company offers a one-time second chance refund for users who can demonstrate they made an honest mistake in their initial purchase.

5.2 Eligibility Criteria for Second Chance Refund

Note: Accessing more than ten percent (10%) of the course materials or downloading the course disqualifies you from the refund.

A user may be eligible for a one-time second chance refund under the following conditions:

1. Honest Mistake Demonstration: The user must demonstrate through their refund request communication that they made an honest, unintentional error in their purchase decision. Examples include selecting the wrong course title, misunderstanding the course’s content or skill level, or purchasing a course intended for another person without authorization.
2. Non-Refundable Product Exception: The second chance refund provision applies exclusively to courses designated “NO REFUND” that the user purchased by honest mistake. This provision does not apply to refund-eligible courses, which are governed by Section 4.2 of this Policy.
3. No Prior Second Chance Usage: This refund is a one-time benefit per user account. Users who have previously received a second-chance refund are not eligible for additional second-chance refunds on subsequent purchases.
4. Early Request Submission: Applications seeking relief under this specific clause require submission within seven (7) calendar days measured from the purchase completion timestamp. Applications submitted beyond this seven-day threshold qualify as ineligible, irrespective of the circumstances claimed.
5. Limited Content Access: The user must not have substantially accessed, downloaded, or utilized the course content.
6. Single Use Per Lifetime: Once a user receives one second chance refund, that user forfeits all eligibility for any additional second chance refunds throughout their lifetime as a ManishJassal.com customer.

5.3 Downloadable Products Explicitly Excluded

The one-time second chance refund policy does NOT apply to downloadable courses, products, or content designated as non-refundable:

• Any downloadable course, digital product, or content file designated “NO REFUND” is explicitly excluded from the second chance refund policy.
• If a user has downloaded any course materials or content files, they are automatically ineligible for a second-chance refund, regardless of the reason for the purchase mistake.
• The act of downloading course content constitutes acceptance of the non-refund terms and waives eligibility for any second chance consideration.

5.4 Second Chance Refund Process

1. Communication: Submit a written request to support@manishjassal.com with “Second Chance Refund Request: [Course Name]” in the subject line.
2. Required Information: Provide a clear and detailed explanation of the honest mistake, including the transaction ID, purchase date, the correct course that was intended, and why the wrong course was selected.
3. Honest Explanation: Write a sincere explanation that demonstrates the mistake was unintentional and not a deliberate attempt to circumvent the non-refund policy.
4. Verification: The Company will verify that this is your first second chance request and that you meet all eligibility criteria.
5. Company Discretion: ManishJassal.com shall assess the application and retain full discretion to grant or reject approval depending upon the plausibility of the stated rationale and confirmation that the user legitimately qualifies under the honest mistake criteria.
6. Processing: In the event of approval, processing of the refund shall commence and be completed to the original payment source within five (5) to ten (10) business days.
7. Final Decision: The Company’s decision regarding a second chance refund is final. Appeals or disputes of second-chance refund decisions are not entertained.

5.5 Ineligible Scenarios

A user is explicitly ineligible for a second chance refund in the following scenarios, regardless of how they characterize the situation:

• The user changed their mind about the course value or content after accessing it.
• The user believed the course would be easier, harder, or different in scope than described.
• The user regrets the purchase decision for any reason related to personal preference.
• The user misunderstood the course level or prerequisites despite the description being accurate.
• The user has previously received a second chance refund from the Company.
• The user has accessed, viewed, or downloaded any course content files.
• The user purchased a course labeled “NO REFUND” as part of a subscription or membership plan and now wishes to obtain a refund.
• The user purchased a downloadable course, digital product, or content in any format and now seeks to return it.
• The user’s request demonstrates deliberate misrepresentation or dishonesty about the nature of their mistake.

6. SUBSCRIPTION PLANS AND MEMBERSHIP PROGRAMS

6.1 Subscription and Membership Initial Refund Eligibility

The following terms apply to subscriptions, memberships, or recurring plans offered through ManishJassal.com (if any exist):

Full Refund for Initial Subscription or Membership:

• Full restitution of original subscription or membership payments becomes available to users, conditional upon the Company receiving the refund petition within fourteen (14) calendar days commencing from the initial subscription or membership billing date.
• This refund eligibility applies exclusively to the first subscription or membership enrollment.
• The refund is contingent upon the user not having substantially accessed, downloaded, or utilized any included services, features, or content.
• The fourteen (14) day refund period begins on the date of the initial subscription or membership payment.

6.2 Non-Refundable Subscription and Membership Renewals

All subscription and membership renewals, continuations, and subsequent billing cycles are completely non-refundable:

• Subsequent billing cycles, monthly renewal fees, annual renewal fees, or continuation payments are completely non-refundable regardless of timing or circumstances.
• Pro-rata or partial refunds are not issued for cancelled subscriptions or memberships at any time.
• Once the initial fourteen (14) day refund period expires, all future payments to subscriptions and memberships become permanently non-refundable.
• Users waive all refund rights for renewal periods by allowing automatic renewal to occur or by manually renewing their subscription or membership.

6.3 Courses Within Subscriptions and Memberships

Courses included in or accessed through subscription plans or membership programs are governed by their individual refund designations:

• Any course labeled “NO REFUND” remains categorically non-refundable in all circumstances, including when accessed through a subscription or membership plan.
• The presence of a non-refundable course within a subscription does not alter or override the non-refund status of that course.
• The general refund eligibility of a subscription plan does not extend to or confer refund eligibility to individual courses within that plan that are designated “NO REFUND.”
• Users acknowledge that accessing a “NO REFUND” course through a subscription plan does not grant them refund rights for that course or the subscription containing it.

6.4 Downloadable Products Within Subscriptions and Memberships

Downloadable courses, digital products, or content marketed as non-refundable within subscription or membership offerings are not eligible for refund under any circumstances:

• If a subscription or membership includes a downloadable course designated “NO REFUND,” that course remains non-refundable regardless of subscription refund eligibility.
• Subscription refund eligibility does not override the non-refund designation of downloadable products included in the subscription.
• Users accept that purchasing a subscription that includes non-refundable downloadable content constitutes full acceptance of the non-refund terms for those products.
• Downloading any course materials within a subscription cancels all refund eligibility for that subscription.

7. CANCELLATION AND ACCOUNT TERMINATION

7.1 Direct Course Purchase Cancellation

Direct courses are digital products delivered immediately upon purchase. Because digital content access is instantaneous and non-returnable:

• Users cannot cancel or terminate access to direct courses after purchase.
• Cancellation of account access does not result in a refund or service credit for purchased courses.
• Users remain responsible for payment obligations for all completed purchases.

7.2 Subscription and Membership Cancellation

Users may cancel subscriptions, memberships, or recurring plans at any time by:

1. Accessing their account settings and selecting “Cancel Subscription,” “Delete Account,” or similar cancellation option, or
2. Sending written notice to support@manishjassal.com with “Cancellation Request” in the subject line, including the account email address and subscription or membership plan name.

Cancellation Timing and Effect:

• Cancellation of a subscription or membership takes effect at the end of the current billing period for recurring subscriptions.
• Cancellation of one-time purchases or non-recurring plans takes effect immediately.
• The user’s access to subscription or membership benefits ceases at the end of the paid period or immediately upon cancellation, as applicable.

Refund Upon Cancellation of Subscription or Membership:

• If a subscription or membership is cancelled within fourteen (14) calendar days of the initial payment, a full refund of the initial subscription or membership fee will be issued.
• Should cancellation take place beyond the fourteen-day window, the Company shall issue no reimbursement for the active billing cycle, subsequent billing cycles, or any amounts previously charged.
• Approved refunds shall transfer to the original payment instrument within five (5) to ten (10) business days following the cancellation authorization.

7.3 Cancellation and Third-Party Course Withdrawals

Users who wish to withdraw from or cancel enrollment in courses purchased through third-party affiliate links must:

1. Log in to the user’s account on the third-party course platform directly.
2. Navigate to the specific course and select the appropriate withdrawal or cancellation option within that platform.
3. Follow the third-party platform’s cancellation procedures and refund request process.
4. Direct all inquiries regarding withdrawals or refunds to the third-party course provider.

ManishJassal.com has no involvement in, authority over, or responsibility for third-party course cancellations or withdrawals.

8. PAYMENT METHODS AND REFUND PROCESSING

8.1 Accepted Payment Methods

ManishJassal.com accepts payment through the following methods:

• Accepted credit and debit card brands comprising Visa, MasterCard, American Express, RuPay, alongside comparable payment card schemes
• Digital wallets and payment processors (PayPal, Google Pay, Apple Pay, etc.)
• Bank transfers (NEFT, IMPS, RTGS)
• Alternative payment platforms are made available on the Website
• Any other payment method displayed on the Website checkout process

8.2 Approved Refund Processing Method

All approved refunds are issued exclusively to the original payment method from which the purchase payment was received. The specific methods include:

• Original credit card or debit card account.
• Original digital wallet or payment processor account.
• Original bank account (via NEFT, IMPS, RTGS, or similar transfer method).
• Any other original payment source from which the purchase was funded.

ManishJassal.com will not issue refunds to alternative, third-party, or substitute payment methods unless the user has submitted a written request and received explicit written approval from the Company prior to processing the refund.

8.3 Refund Processing Timeline

The following timeline applies to all approved refunds:

1. Refund Request Receipt and Confirmation: forty-eight (48) hours from receipt of the refund request.
2. Investigation and Verification Period: up to ten (10) business days from receipt of the refund request.
3. Refund Approval Decision: communicated via email to the registered account email address.
4. Refund Issuance to Payment Processor: five (5) to ten (10) business days after approval.
5. Bank or Payment Processor Processing Time: an additional three (3) to five (5) business days for the bank or payment processor to credit the refund to the user’s account.

Important Note: Processing timelines may be extended during weekends, public holidays, national holidays in India, or due to technical issues with payment processors, banking systems, or payment networks. The Company shall communicate via email regarding any processing delays that surpass the specified timeframes.

8.4 Payment Processing Failures

If a user’s payment fails to process due to insufficient funds, incorrect payment information, expired payment method, or errors by the payment processor:

1. ManishJassal.com will make one (1) automatic attempt to reprocess the payment within ten (10) calendar days.
2. Should payment attempts persist in failing following the reprocessing effort, access to acquired content shall remain suspended pending successful payment completion or formal purchase termination.
3. Users assume complete accountability for preserving correct payment data, verifying adequate account balances, and providing timely updates to payment particulars.

9. NON-REFUNDABLE PURCHASES AND ITEMS

The following items and circumstances are explicitly and categorically non-refundable under all conditions:

9.1 Courses Designated “NO REFUND.”

• Any direct course product labeled “NO REFUND” on its product page at the time of purchase.
• Courses labeled “NO REFUND” remain non-refundable regardless of subscription status, membership enrollment, or bundled purchases.
• Courses labeled “NO REFUND” remain non-refundable regardless of subsequent changes to the course designation.

9.2 Downloaded and Accessed Digital Content

• Course materials that have been downloaded to the user’s device.
• Video content that has been viewed, accessed, or streamed.
• Document, PDF, or image content that has been accessed or viewed.
• Digital resources, guides, supplementary materials, or reference documents accessed by the user.
• Digital certificates, badges, completion records, or course credentials are issued to the user.

9.3 Substantially Utilized Services and Content

• Courses, services, or features where the user has substantially accessed, utilized, or engaged with the content.
• “Substantially utilized” is defined as accessing more than twenty percent (20%) of the total course content, including video duration, documents, assessments, or other measurable course components.

9.4 User Error or Change of Mind

• Courses purchased due to user error, including selecting the wrong course, incorrect quantity selection, or similar mistakes (except where eligible under the Second Chance Policy in Section 5).
• Courses purchased due to user misunderstanding of course content, scope, or requirements.
• Courses purchased and subsequently cancelled due to user change of mind, lack of interest, or perceived unsuitability.
• Courses purchased for a user other than the account holder or without authorization from the intended recipient.

9.5 Promotional and Discount Purchases

• Courses purchased during promotional periods, sales events, flash sales, or limited-time offers.
• Courses purchased using discount codes, coupon codes, promotional codes, or special promo links.
• Courses purchased at reduced, discounted, or special pricing.
• Courses obtained through bundled packages are sold at discounted or promotional rates.

9.6 Third-Party Financing and Installment Plans

• Courses purchased using third-party financing options, installment payment plans, or buy-now-pay-later services.
• Users who purchase using such payment options assume full responsibility for all payment obligations to the third-party financing provider.
• ManishJassal.com does not issue refunds that would alter the user’s payment obligations to financing providers.

9.7 Subscription and Membership Plans

• Subscription or membership fees are paid for periods longer than fourteen (14) calendar days after the initial payment date.
• Renewal or recurring payments for subscriptions or memberships that have been in effect for longer than fourteen days.
• Grandfathered pricing, legacy subscription rates, or special promotional subscription pricing.

9.8 Third-Party Affiliate Course Purchases

• Any course or service purchased through a ManishJassal.com affiliate link.
• Any purchase processed by a third-party course provider.
• Any transaction where payment was received and processed by a third-party platform.

10. TECHNICAL ISSUES AND SERVICE FAILURES

10.1 Technical Issue Investigation and Resolution

If ManishJassal.com experiences technical issues, system errors, delivery failures, access errors, or service defects that materially prevent a user from accessing, downloading, or utilizing a direct course product, the user may be eligible for a remedy.

Qualification for Technical Issue Refund:

• The user must document and report the technical issue to support@manishjassal.com within fourteen (14) days of discovery.
• The notification shall contain a comprehensive account of the technical malfunction, identification of the affected course, precise date and hour of occurrence, together with any displayed error notifications or codes.
• ManishJassal.com must investigate and determine that a verifiable technical failure occurred that prevented course access or functionality.

Available Remedies for Verified Technical Issues:

The Company will determine and implement the most appropriate remedy based on the circumstances, which may include:

• Full refund of the course purchase price.
• Partial refund of the course purchase price.
• Extended access period or extended course availability.
• Service credit toward future purchases or premium features.
• Replacement access to the course with corrected functionality.
• Alternative course product of equivalent or greater value.

11. REFUNDS FOR THIRD-PARTY AFFILIATE COURSE ENROLLMENTS

11.1 ManishJassal.com Refund Responsibility Disclaimer

CRITICAL DISCLAIMER: ManishJassal.com does NOT issue, process, or facilitate refunds for any course enrollments made through third-party affiliate links, regardless of the reason for the refund request, the time elapsed since purchase, or any other circumstance.

When users click an affiliate link on ManishJassal.com and enroll in a course offered by a third-party provider (including but not limited to Udemy, Coursera, Skillshare, MasterClass, Thinkific, Teachable, or any other platform), the payment transaction is processed directly by and between the user and the third-party course provider. ManishJassal.com:

• Does not receive payment from the user for the course enrollment.
• Does not process the payment transaction.
• Does not function as an intermediary or payment processor.
• Holds no responsibility for the transaction, course delivery, course quality, or refund decisions.

11.2 User Responsibility for Third-Party Course Refunds

Users who wish to request a refund for a course purchased through a ManishJassal.com affiliate link must:

1. Contact the Third-Party Provider Directly: The user must initiate all refund communications exclusively with the third-party course provider through which the course was purchased, not with ManishJassal.com.
2. Comply with Third-Party Provider Policies: The user must fully comply with the refund policy, procedures, timelines, and requirements established by the third-party course provider.
3. Accept Third-Party Provider Decisions: The user must accept the refund decision made by the third-party provider as final. ManishJassal.com has no authority to override, appeal, or modify third-party provider decisions.
4. Assume Full Responsibility: The user bears complete and sole responsibility for understanding, locating, and following the third-party provider’s refund procedures and deadlines.

11.3 Third-Party Provider Refund Policies

The following represents a non-exhaustive summary of common refund policies maintained by major course platforms. Such policy summaries serve exclusively as general guidance and remain subject to unilateral modification by third-party platforms absent prior notification:

Important Notice: ManishJassal.com maintains no control over, assumes no responsibility for, and makes no representations regarding the accuracy or continued validity of third-party refund policies. These policies may change at any time without notice to ManishJassal.com or users.

11.4 No Authority Over Third-Party Transactions

ManishJassal.com explicitly does not:

• Receive or process course enrollment payments from users.
• Charge users for third-party course access or enrollment.
• Function as an intermediary, escrow agent, or payment processor in third-party transactions.
• Hold, manage, or control course enrollment transactions or user access to third-party courses.
• Make decisions regarding third-party course refund requests.
• Approve, deny, modify, or escalate third-party course refund requests.
• Have any authority whatsoever over third-party course content, delivery, or refund processing.

12. DISPUTE RESOLUTION AND ESCALATION PROCEDURES

12.1 Refund Request Dispute Process

If a user disputes the Company’s refund decision, believes the refund process was mishandled, or wishes to escalate a refund matter, the user may pursue the following dispute resolution procedure:

Step 1: Formal Dispute Notice

• Submit a written dispute notice to support@manishjassal.com with “Refund Dispute Escalation Request: [Course/Service Name]” in the subject line.
• Include the original refund request, transaction ID, payment date, course or service name, all previous correspondence with the Company, and a detailed explanation of the dispute.
• Submit the dispute notice within thirty (30) calendar days of receiving the Company’s refund decision.

Step 2: Company Review and Response

• ManishJassal.com will acknowledge receipt of the dispute within forty-eight (48) hours.
• The Company will conduct a complete and thorough review of the dispute within fifteen (15) business days.
• The Company will issue a detailed written response explaining the final refund decision, including the reasoning and supporting facts.
• The official reply shall be transmitted via electronic correspondence to the primary email address linked to the user’s registered profile.

Step 3: Optional Informal Mediation

• If the user is not satisfied with the Company’s response, the user may request informal mediation.
• Mediation entails earnest negotiations conducted in good faith between the user and ManishJassal.com aimed at achieving a settlement satisfactory to both parties.
• The user must request mediation within fifteen (15) days of receiving the Company’s response.
• Each party commits to engaging in the mediation process with genuine intent and the objective of amicably settling the contested matter.

13. CHARGEBACKS AND PAYMENT PROCESSOR DISPUTES

13.1 Chargeback Policy and Consequences

Users who initiate chargebacks, payment disputes, or transaction reversals with their credit card companies, banks, digital wallet providers, or other payment processors without first attempting direct resolution with ManishJassal.com may face serious consequences, including:

• Permanent suspension or termination of the user’s account and all associated access.
• Immediate loss of access to all Platform services, features, content, and digital products.
• Prohibition from using the Platform in the future.
• Potential legal action by the Company to recover the disputed amount plus associated costs.
• Referral to fraud prevention services and credit reporting agencies.

Recommended Approach: Users should always contact support@manishjassal.com before initiating any chargeback or payment dispute, as direct communication with the Company typically results in faster and more favorable resolution.

13.2 Company Chargeback Defense and User Cooperation

ManishJassal.com reserves the right to defend itself vigorously against any chargeback or payment dispute by providing the payment processor with:

• Complete transaction documentation.
• Records of user access to digital content.
• User’s acceptance of the Platform’s Terms and Conditions and this Policy.
• Complete email correspondence and communication records.
• Evidence of service delivery and content access.
• Any other documentation supporting the legitimacy of the transaction.

Users may be required by the Company or by payment processors to provide additional supporting information, evidence, or documentation to support their chargeback or dispute claim.

14. FRAUD PREVENTION AND ACCOUNT SECURITY

14.1 Fraud Detection and Investigation

ManishJassal.com reserves the right to investigate any transaction, refund request, or account activity suspected of involving fraud, refund abuse, system exploitation, or violation of this Policy.

Company Rights in Fraud Investigation:

• Investigate and analyze transaction patterns and account behavior.
• Deny refund requests for transactions suspected to be fraudulent or part of a systematic refund scheme.
• Require additional identity verification, payment method verification, or other documentation as deemed necessary.
• Contact payment processors, financial institutions, or other relevant parties to verify transaction legitimacy.
• Suspend account access during investigation if fraud is suspected.
• Report suspected fraud to appropriate law enforcement agencies, payment processors, and fraud prevention services.
• Retain evidence and documentation of suspected fraudulent activity.

14.2 Consequences of Confirmed Fraud or Refund Abuse

Users determined to have engaged in fraudulent activity, refund abuse, chargebacks without cause, or exploitation of refund policies will face:

• Permanent suspension or termination of account access.
• Permanent prohibition from using the Platform.
• Loss of all access to services, content, and digital products.
• Referral to appropriate law enforcement agencies.
• Civil or criminal legal action as permitted by law.
• Reporting to fraud prevention networks and credit reporting agencies.

15. TAXES AND ADDITIONAL CHARGES

15.1 Tax Applicability and Responsibility

Every price presented across the Website incurs applicable taxation obligations, encompassing, among others:

• Goods and Services Tax (GST) pursuant to prevailing Indian taxation statutes.
• Value Added Tax (VAT) in applicable jurisdictions outside India.
• State, provincial, or local sales taxes in other regions.
• Any other applicable tax, levy, or governmental charge.

Taxes are calculated and clearly displayed at the checkout or payment confirmation. Users bear responsibility for comprehending and fulfilling all relevant tax liabilities applicable within their respective territorial jurisdiction.

15.2 Tax Treatment of Refunds

All refunds issued by ManishJassal.com include repayment of applicable taxes paid by the user, except as otherwise required or permitted by Indian tax law, GST regulations, or other applicable tax statutes. Refunds will reflect the total amount paid by the user, including all applicable taxes.

16. USER RESPONSIBILITIES AND ACKNOWLEDGMENTS

Users acknowledge and accept the following responsibilities regarding transactions and refunds:

16.1 User Obligations

1. Policy Review: Users bear responsibility for reviewing, understanding, and complying with this entire Refund and Return Policy before making any purchase.
2. Course Designation Review: Users must review the refund designation label (“NO REFUND” or “REFUND ELIGIBLE”) displayed on each course product page before completing a purchase.
3. Third-Party Provider Policy Research: Users must independently research, understand, and comply with the refund policies of any third-party course provider before enrolling in courses through affiliate links.
4. Account Security: Users are responsible for protecting and maintaining the confidentiality of login credentials, account passwords, security questions, and all account information. Users must immediately notify the Company of any unauthorized access or fraudulent account activity.
5. Transaction Verification: Users must verify course details, instructor information, course content scope, learning objectives, and all material information before completing a purchase.
6. Lawful Use: Users must use purchased content and services solely in accordance with applicable law, the Platform’s Terms and Conditions, and all intellectual property rights of the Company and third parties.
7. Dispute Resolution Priority: Users acknowledge responsibility for taking reasonable steps to resolve issues directly with the Company through official support channels before initiating chargebacks, payment disputes, or legal action.
8. Communication Maintenance: Users shall keep all contact particulars, encompassing email addresses and telephone numbers, current and precise, while consistently reviewing formal correspondence issued by ManishJassal.com.

17. COMPANY RIGHTS AND DISCRETIONARY AUTHORITY

17.1 Discretionary Refund Authority

The Company retains the absolute right to issue refunds, service credits, replacement content, or alternative remedies at its sole discretion for circumstances not explicitly covered by this Policy or in situations where the Company determines refund consideration is warranted. These circumstances may include:

• Technical errors, system glitches, or software failures affecting user experience.
• Exceptional user circumstances, including third-party fraud, account compromise, or identity theft.
• Goodwill considerations or customer relationship management.
• Administrative corrections or billing errors discovered by the Company.
• Any other circumstance where the Company determines that discretionary action is appropriate.

The Company’s exercise or non-exercise of discretionary authority does not establish precedent, obligation, or commitment for future similar circumstances.

17.2 Policy Interpretation and Amendment

• The Company reserves the right to interpret this Policy and all terms contained herein in accordance with its plain language, intention, and good-faith application.
• In the event of ambiguity or conflict, the interpretation most protective of the Company’s interests and refund limitations shall apply.
• The Company may amend, modify, update, or supersede this Policy at any time.

18. COMMUNICATION AND NOTIFICATION

18.1 Official Communication Channels

All refund-related communication from the Company will be conducted through:

• Electronic mail is dispatched to the verified email address associated with the user’s account profile.
• Account notifications and alerts within the Website platform.
• Official announcements are posted on the Website homepage or policy pages.
• Written notice by registered mail (in exceptional cases).

18.2 User Communication Obligations

1. Users hold accountability for ensuring all contact details within their account records remain accurate and up to date.
2. Users must regularly monitor the email address registered with their account.
3. Users must review official Website announcements and account notifications regularly.
4. Failure to receive communication due to outdated, incorrect, or unmonitored contact information does not invalidate the Company’s actions or communications.
5. Users who wish to receive communications in a language other than English must contact support@manishjassal.com with a specific request, and the Company will attempt to accommodate such requests at its discretion.

19. CONTACT INFORMATION FOR REFUND MATTERS

All refund requests, disputes, inquiries, or communications regarding this Refund and Return Policy must be directed to:

ManishJassal.com Refund Support

• Email Address: support@manishjassal.com
• Website: https://www.manishjassal.com
• Subject Line: “Refund Request: [Course Name]” or “Refund Dispute Escalation: [Brief Reason]”
• Expected Response Timeline:
  • Acknowledgment of receipt: within forty-eight (48) hours
  • Full response with decision: within ten (10) to fifteen (15) business days

20. APPLICABLE LAW AND JURISDICTION

20.1 Governing Law

This Refund and Return Policy falls under the jurisdiction of Indian statutory law for governance and construction purposes, disregarding any conflict of laws doctrines. Every issue originating from or connected with this Policy submits solely to the authority of the Indian legal framework.

20.2 Dispute Resolution and Legal Jurisdiction

Any controversies, demands, or judicial proceedings stemming from or associated with this Refund and Return Policy, Website transactions, or refund determinations shall fall under the sole adjudicative authority of the civil and commercial courts situated in Gurugram, Haryana, India.

20.3 Consumer Protection Act Compliance

This Policy shall be interpreted and applied consistently with the Consumer Protection Act, 2019, and all applicable consumer protection laws in India, including state and territorial consumer protection regulations.

To the extent any provision of this Policy conflicts with or violates mandatory consumer protection law provisions, the applicable consumer protection law shall prevail, and the conflicting Policy provision shall be modified to the extent necessary to comply with the law.

21. AMENDMENTS, MODIFICATIONS, AND POLICY UPDATES

21.1 Company Right to Amend

The Company reserves the unilateral right to modify, amend, update, supersede, or completely replace this Refund and Return Policy at any time, effective immediately or upon the stated date.

21.2 Notification of Changes

Notice of amendments to this Policy will be provided through:

1. Date Update: The “Last Updated” timestamp appearing at the commencement of this Policy shall reflect the effective date of any revisions implemented.
2. Website Notice: A notice describing material changes will be posted prominently on the Website.
3. Email Notification: For material or significant changes, registered users will receive an email notification at their registered email address.

21.3 Acceptance of Modified Policy Terms

Continued utilization of and engagement with the Website subsequent to the issuance of Policy modifications constitutes an irrevocable agreement to the revised terms.

Users maintain the obligation to periodically examine this Policy for alterations. Neglecting to conduct such reviews does not relieve users from acceptance of the updated provisions.

22. ENTIRE AGREEMENT

This Refund and Return Policy, together with the Platform’s Terms and Conditions, Privacy Policy, and any other policies, agreements, or documents referenced or incorporated herein, constitutes the complete, entire, and exclusive agreement between the user and ManishJassal.com regarding:

• Refunds and refund requests
• Returns and return processes
• Cancellations and account termination
• Monetary transactions and payments
• Course delivery and access
• All related matters

All prior understandings, negotiations, agreements, written or oral, regarding refunds, returns, or monetary transactions are superseded by this Policy. No prior policy, agreement, or communication shall apply to or override the terms contained in this Policy.