This Refund and Return Policy (“Policy”) forms part of the Terms of Use and applies to all payments, purchases, enrollments, registrations, bookings, subscriptions, and transactions made with Learning Saint, together with its parent entities, subsidiaries, affiliates, international offices, associated entities, successors, and permitted assigns (collectively, “Learning Saint,” “we,” “us,” or “our”), through our websites, applications, payment links, invoices, portals, forms, communication channels, or otherwise in connection with any Program, service, product, event, consultation, or offering. By making any payment to Learning Saint, you acknowledge that you have read, understood, and agreed to this Policy.

1. CORE POLICY: STRICTLY NON-REFUNDABLE AND NON-RETURNABLE

Except to the limited extent required by non-waivable applicable law, all payments made to Learning Saint are final, binding, irrevocable, strictly non-refundable, and non-returnable.

This means that, unless applicable law expressly requires otherwise:

• no refund shall be issued;
• no return shall be accepted;
• no exchange shall be provided;
• no cancellation shall entitle you to repayment;
• no reversal, set-off, adjustment, or transfer of fees shall be allowed; and
• no oral assurance, counselor statement, sales communication, or internal exception shall create any refund or return right unless confirmed in writing by an authorized representative of Learning Saint.

2. PAYMENTS COVERED BY THIS POLICY

This Policy applies to all amounts paid or payable to Learning Saint, including but not limited to:

• application fees;
• registration fees;
• admission fees;
• booking or seat-reservation amounts;
• tuition fees;
• installment payments;
• subscription fees;
• counseling or consultation fees;
• mentorship fees;
• placement-support fees;
• scholarship-processing or sponsorship-related fees;
• technology fees;
• platform fees;
• administrative charges;
• convenience charges;
• processing fees;
• certification fees;
• workshop and webinar fees;
• event fees; and
• any other amount paid in relation to any Learning Saint offering.

All such amounts are deemed covered by this Policy unless Learning Saint expressly states otherwise in a signed written agreement.

3. NO REFUNDS FOR SERVICES, DIGITAL ACCESS, OR PROGRAM PARTICIPATION

Because Learning Saint primarily provides digital, educational, academic, mentoring, consulting, and service-based offerings, payments are treated as consideration for services, access, administrative processing, academic planning, seat reservation, content provisioning, support allocation, and operational readiness. Accordingly, no refund or repayment shall be due merely because you:

• changed your mind;
• are dissatisfied;
• did not attend;
• only partially attended;
• did not log in or use the Platform;
• failed to complete the Program;
• faced personal, financial, family, work, travel, health, visa, or scheduling issues;
• misunderstood the Program scope;
• did not obtain a desired academic, career, admission, interview, job, sponsorship, or immigration outcome; or
• decided to discontinue after purchase, enrollment, onboarding, or access creation.

The old text allowed trial-window refunds and program-specific refund routes; that structure is intentionally removed in full.

4. NO RETURNS

Learning Saint’s core offerings are educational and service-based and therefore, in most cases, there is nothing capable of physical return in the ordinary retail sense.

Accordingly:

• digital services, online access, webinars, classes, consultations, downloadable materials, digital content, mentoring, counseling, assessments, and related services are non-returnable;
• access credentials, class links, dashboards, portals, schedules, and learning materials, once issued or made available, are non-returnable;
• any physical item, printed material, merchandise, welcome kit, certificate package, or shipped material, if supplied at all, shall also be non-returnable once delivered, accessed, opened, activated, personalized, used, damaged, or rendered unsuitable for resale, except where non-waivable applicable law requires otherwise.

5. NO REFUNDS ON CANCELLATION, WITHDRAWAL, OR NON-PARTICIPATION

You may choose to cancel, withdraw, pause, defer, or discontinue your participation in a Program or service. However, such cancellation, withdrawal, non-participation, inactivity, or discontinuation shall not entitle you to any refund, return, reversal, release from payment obligations, or transfer of fees, except to the limited extent required by non-waivable applicable law.

The old version expressly contemplated cancellation-linked refund terms. That should remain removed.

6. NO REFUNDS AFTER ACCESS, ONBOARDING, OR SERVICE COMMENCEMENT

For the avoidance of doubt, Learning Saint will treat any of the following as commencement of services and/or operational performance:

• issuance of login credentials;
• onboarding emails or account creation;
• invoice issuance;
• payment confirmation;
• access to dashboard, portal, LMS, or class group;
• release of schedules, joining links, recordings, or materials;
• counseling, mentoring, advising, or administrative support;
• seat allocation;
• Program planning or batch assignment;
• activation of any digital or service component.

Once any such step has occurred, no refund or return shall be available except where non-waivable applicable law requires otherwise.

This is especially important for digital content and services sold at a distance, because in some jurisdictions cancellation rights can be lost once service supply begins or digital content is supplied during the cancellation period with the required consent/acknowledgment.

7. NO REFUNDS FOR MISSED CLASSES, UNUSED ACCESS, OR PARTIAL USAGE

No refund, partial refund, credit, or return shall be granted for:

• missed live classes, workshops, webinars, or mentoring sessions;
• unused dashboard or LMS access;
• late joining by the student;
• limited participation;
• partial completion;
• failure to submit assignments;
• inability to attend because of work, travel, device, internet, timezone, exam schedule, health, or personal reasons; or
• dissatisfaction after partial or substantial usage.

8. NO REFUNDS FOR TECHNICAL ISSUES AT USER END

No refund, return, or compensation shall be due for issues arising from your own systems, devices, internet connection, browser settings, network limitations, software incompatibility, login mismanagement, spam filtering, email-delivery issues, firewall restrictions, or other technical problems outside Learning Saint’s reasonable control.

9. FREE TRIALS, DEMOS, OR INTRODUCTORY ACCESS

Learning Saint may, at its sole discretion, offer a demo, trial, orientation, audit view, or introductory access for certain offerings.

Unless Learning Saint expressly states otherwise in writing:

• such access is limited and discretionary;
• such access does not create any refund or return right;
• Learning Saint may withdraw, suspend, modify, or discontinue such access at any time; and
• no person is entitled to a refund merely because they participated in or were denied a demo, trial, or preview
.

Any older language suggesting a trial-window refund structure should remain deleted.

10. NON-TRANSFERABILITY OF FEES

All enrollments, bookings, and payments are personal and non-transferable unless Learning Saint expressly approves otherwise in writing.

Accordingly:

• fees cannot be transferred to another person;
• fees cannot be shifted to another course, batch, or service as of right;
• fees cannot be converted into store credit, wallet balance, cash equivalent, or future credit; and
• non-use does not preserve value for later redemption.

11. INSTALLMENTS, PAYMENT PLANS, AND OUTSTANDING BALANCES

Where Learning Saint allows installment payments, deferred billing, financing, sponsorship processing, or any payment plan:

• your commitment to pay the agreed amount remains binding;
• discontinuation does not automatically cancel future installments;
• suspension of access for non-payment does not create a refund right; and
• Learning Saint may withhold access, services, certificates, records, or deliverables until dues are cleared, to the extent permitted by law.

12. THIRD-PARTY PAYMENT GATEWAYS, EMI, FINANCING, AND LENDING

Learning Saint may use third-party payment gateways, processors, banks, lenders, EMI providers, financing partners, or payment facilitators.

Learning Saint is not responsible for:

• their internal processing timelines;
• bank or issuer charges;
• foreign exchange fees;
• gateway failures;
• financing approval or rejection;
• repayment terms imposed by a third-party lender; or
• a third-party provider’s own refund, chargeback, or reversal handling.

Any financing, EMI, or lending arrangement is a separate arrangement between you and that third party unless Learning Saint expressly assumes that obligation in writing. No refund by Learning Saint shall arise merely because you used a credit card, EMI plan, financing product, or third-party loan.

13. CHARGEBACKS, REVERSALS, AND PAYMENT DISPUTES

If you initiate a chargeback, payment reversal, unauthorized dispute, or similar recovery action without a lawful basis, Learning Saint may treat that as a material breach of contract and may contest the dispute, submit transaction records, onboarding evidence, access logs, communications, invoices, and usage history to the relevant bank, network, payment provider, or adjudicating body. Learning Saint also reserves the right to recover any related losses, gateway penalties, administrative charges, legal expenses, and outstanding fees to the fullest extent permitted by law. In the US, businesses should ensure refund-related disclosures are clear and not deceptive, and the FTC enforces unfair or deceptive business-practice standards generally.

14. LIMITED EXCEPTIONS REQUIRED BY LAW

Nothing in this Policy is intended to override any non-waivable right or remedy that applies to a consumer under mandatory law.

Accordingly, where a refund, price reduction, repair, replacement, cancellation right, or other remedy is mandatorily required by applicable law or by a final binding order of a competent authority, Learning Saint may provide only the remedy strictly required by that law or order.

In such a case, Learning Saint may apply any lawful deductions, offsets, or conditions permitted by that law, including for services already performed, administrative costs, taxes, payment-processing costs, consumed benefits, or delivered components, where legally permitted.

This narrow carve-out is the correct global approach because UK law, for example, can preserve cancellation rights in some distance-selling situations unless the conditions for losing them are properly met.

15. PHYSICAL GOODS, CERTIFICATES, OR SHIPPED ITEMS

If Learning Saint provides any physical documents, certificates, identity packs, graduation kits, merchandise, or shipped materials:

• they are supplied subject to this Policy;
• courier, shipping, customs, import, and handling charges are non-refundable unless law requires otherwise;
• address errors, failed deliveries due to customer fault, refusal to accept delivery, and re-shipping requests may attract additional charges;
• personalized, issued, printed, sealed, opened, damaged, or used items are non-returnable and non-refundable except where non-waivable applicable law requires otherwise.

16. HOW THIS POLICY INTERACTS WITH TERMS OF USE

This Policy must be read together with the Terms of Use, payment terms, enrollment documents, invoices, and any signed written agreement between you and Learning Saint.

If there is a conflict:

• a signed written agreement with an authorized Learning Saint representative may override this Policy only to the extent of the specific written override; and
• absent such a signed override, this Policy governs all refund and return issues.

17. CLEAR DISCLOSURE AND PRE-PURCHASE NOTICE

This Policy is intended to be displayed or incorporated in a manner that gives users notice before or at the time of purchase, enrollment, or payment.

That is important because consumer-protection regimes generally require material contract terms, including contract-ending or cancellation conditions, to be clearly disclosed to customers.

18. GRIEVANCE / SUPPORT CONTACT

Questions relating to payments, billing status, service access, or this Policy may be directed to:

Learning Saint
Website: https://www.learningsaint.com
Support Email: support@learningsaint.com
Billing / Accounts Email: finance@learningsaint.com
Phone: 1-(302)-592-6724
Address: 16192 Coastal Highway Lewes, Delaware 19958

Where required by local law, Learning Saint should also display grievance-contact details. India’s e-commerce framework specifically expects grievance-officer details to be displayed and consumer grievances to be acknowledged promptly.

19. FINAL NON-REFUNDABLE / NON-RETURNABLE CLARIFICATION

For absolute clarity:

All fees, charges, and amounts paid to Learning Saint are final, binding, irrevocable, strictly non-refundable, and non-returnable, except only to the limited extent that a refund, return, cancellation right, or other remedy is mandatorily required under non-waivable applicable law.
No change of mind, dissatisfaction, withdrawal, inactivity, non-attendance, non-usage, partial usage, technical issue at the user’s end, payment method used, internal discussion, or oral representation shall create any refund or return right.