1. General Refund Position

As a general business policy, fees paid to Learning Saint are non-refundable.

However, refunds may be considered in limited circumstances, including where:

• The relevant service has not yet been rendered;
• Platform or course access has not yet been granted;
• No onboarding, delivery, or service commencement has taken place;
• Learning Saint is unable to provide the purchased service; or
• A refund is otherwise required under applicable law.

This means the policy is non-refundable by default, but it does not attempt to deny refunds in situations where the learner has not actually received the service purchased.

2. When a Service Will Be Treated as “Rendered”

For the purpose of this Policy, a service may be treated as rendered, initiated, activated, or commenced once any one or more of the following has occurred:

• Login credentials, LMS access, dashboard access, or portal access have been issued;
• Class links, webinar links, onboarding emails, joining instructions, or batch allocation have been shared;
• Live or recorded course access has been made available;
• Study materials, downloadable resources, learning modules, or recorded content have been released;
• Counseling, mentoring, admissions support, academic guidance, or other support sessions have begun;
• A seat has been reserved and operational processing has been completed for your enrollment;
• Any part of the purchased Program or service has started being delivered.

Once services have begun in this manner, fees are generally treated as non-refundable, except where applicable law requires otherwise or Learning Saint decides otherwise on a case-by-case basis.

3. Circumstances Where Refunds May Be Considered

A refund request may be considered in the following situations:

If a learner has made payment but:

• Has not received access;
• Has not been onboarded;
• Has not received any live or recorded course delivery;
• Has not been provided learning materials;
• And no actual service has yet commenced;

Then the learner may be eligible for a refund, subject to review.

If the same payment is made more than once by mistake, the duplicate amount may be refunded after verification.

If Learning Saint is unable to start or deliver the purchased service for operational reasons and no equivalent alternative is accepted by the learner, a refund may be considered.

If payment is successfully collected but the enrollment or access cannot be processed due to an internal technical or administrative issue that Learning Saint is unable to rectify within a reasonable time, a refund may be considered.

Nothing in this Policy is intended to override any refund or cancellation right that must be provided under non-waivable applicable law. Online and distance-selling rules in some jurisdictions may preserve cancellation or refund rights in certain situations, especially before service or digital-content delivery starts.

5. Partial Refunds

In certain limited situations, Learning Saint may consider a partial refund rather than a full refund, where:

• Part of the service has already been rendered;
• Administrative processing has already been completed;
• Access has already been granted for a portion of the Program;
• Live sessions, mentoring, or consultations have already been delivered;
• Content or resources have already been released and used.

In such cases, Learning Saint may deduct reasonable amounts toward:

• Administrative and processing costs;
• Payment gateway or transaction charges;
• Taxes or statutory deductions where applicable;
• The value of services already delivered;
• The value of content, classes, mentoring, or support already provided.

6. Course Transfers, Deferrals, and Alternatives

Where a refund is not available, Learning Saint may, at its discretion, offer an alternative remedy such as:

• Batch transfer;
• Deferred joining;
• Service rescheduling;
• Replacement access date;
• Alternate Program option;
• Credit adjustment toward another Learning Saint offering.

Any such accommodation is discretionary and does not create a general entitlement to transfer, credit, or refund.

7. Return Policy

Learning Saint’s offerings are primarily digital, educational, and service-based. As such, most purchases do not involve returnable physical goods.

Accordingly:

• Online courses;
• Digital content;
• Portal access;
• Webinars;
• Mentoring sessions;
• Counseling sessions;
• Training services;
• Downloadable learning materials;
• And other digitally delivered services;

Are generally non-returnable.

If Learning Saint provides any physical materials, kits, printed documents, or shipped items, returns may only be considered where:

• The item was not delivered as described;
• The wrong item was sent;
• The item arrived materially damaged;
• Or return is required under applicable law.

Personalized, issued, opened, used, activated, or consumable items will generally not be eligible for return.

8. Refund Request Process

To request a refund, the learner must contact Learning Saint through the designated support or billing channel and provide:

• Full name;
• Registered email address and phone number;
• Program or service purchased;
• Date and amount of payment;
• Payment reference or transaction ID;
• Clear reason for the refund request;
• Any supporting screenshots or documents.

Refund requests should be raised within a reasonable period from the payment date or from the event giving rise to the request.

9. Review and Decision Process

Each refund request will be reviewed on a case-by-case basis.

Learning Saint may verify:

• Whether the payment was successful;
• Whether access was granted;
• Whether services were started;
• Whether materials were released;
• Whether any live or recorded component was consumed;
• Whether the request falls under an eligible category.

Learning Saint may approve, reject, or partially approve a refund request based on this review and applicable law.

10. Timelines

Where a refund is approved:

• The refund will generally be processed to the original payment source where feasible;
• Processing timelines may vary depending on the payment gateway, bank, card issuer, or financial institution;
• Learning Saint is not responsible for delays caused by third-party payment processors or banks after refund initiation.

Where required by law, grievance or refund-related contact details should be clearly displayed. India’s consumer framework expects e-commerce entities to display grievance-officer details and acknowledge complaints promptly.

11. Chargebacks and Payment Disputes

Before initiating a chargeback or payment dispute with a bank or card provider, learners are encouraged to first contact Learning Saint so the issue can be reviewed and, where appropriate, resolved.

Where a chargeback is raised after services have already been rendered or access has already been provided, Learning Saint reserves the right to submit enrollment records, payment confirmations, access logs, onboarding evidence, and service-delivery records to the relevant payment provider or institution.

Clear and accurate refund disclosures are commercially important because US consumer-protection enforcement generally targets unfair or deceptive business practices.

12. No Guarantee of Outcomes

Learning Saint provides training, education, mentoring, and support services. Refund eligibility is based on whether the service was delivered, not on whether a learner achieved a desired outcome.

Accordingly, refunds are not based on:

• Pass/fail outcomes;
• Certification results;
• Job outcomes;
• Salary outcomes;
• Visa outcomes;
• Admission decisions;
• Or any other external result.

13. Policy Interpretation

This Policy is intended to reflect a fair commercial position commonly used in education, training, and digital-service businesses:

• Fees are generally non-refundable once delivery begins;
• But refund requests may be reviewed where services have not yet been rendered;
• Access has not yet been provided;
• Or delivery has failed for reasons attributable to the provider.

If any part of this Policy conflicts with non-waivable applicable law, the applicable law will prevail to that extent.