Last Updated: September 3, 2026

This Refund & Cancellation Policy applies to digital products, educational PDFs, courses, study materials, online services, and paid promotional services offered through ArjunPanchariya.in, Arjun Panchariya Study Point, apps.arjunpanchariya.in, WhatsApp, and other associated platforms where this policy is referenced.

Please read this policy carefully before making any payment.

1. Digital Products, PDFs & Study Material

Our PDFs, notes, test series, revision material, courses, quizzes, and other educational resources are digital products.

Due to the nature of digital products, once a digital product has been successfully delivered, downloaded, accessed, activated, or provided to the purchaser, the payment will generally be non-refundable.

A refund cannot ordinarily be requested merely because:

• the user no longer wants the PDF/course;
• the user changes their mind after payment;
• the material does not meet the user’s personal expectations or preferences;
• the user purchased the wrong product due to their own selection;
• the user no longer requires the material;
• the examination, preparation plan, or personal circumstances of the user change; or
• the user requests the money back for another personal reason after successful delivery/access.

Users are therefore requested to carefully check the product name, subject, course, semester, description, price, and other available details before making payment.

2. Failed or Pending Online Payments

A refund may be applicable where an online payment fails, remains pending, or is debited but the corresponding purchase is not successfully completed and the user does not receive the purchased course, PDF, or service.

Before issuing a refund, we may verify:

• Payment status
• Transaction ID / UTR
• Order details
• Payment gateway records
• Whether the product/service was delivered or activated
• Whether the amount was automatically reversed by the bank/payment provider

If the payment provider or bank automatically reverses the amount, no separate refund will be issued by us for the same transaction.

If payment is successfully received by us but, because of a genuine technical problem on our side, the purchased service cannot be provided, the user may be eligible for a refund.

3. WhatsApp PDF Purchases

PDFs and other study materials may also be purchased directly through WhatsApp or another supported communication channel.

If the user successfully makes payment and we successfully provide the purchased PDF/material, the payment is generally non-refundable.

However, a refund may be provided where:

the payment has been successfully received, but due to a genuine technical, availability, or operational issue on our side, we are unable to provide the purchased PDF/material within a reasonable period.

For example, if a user made payment but we are unable to provide the promised PDF because the relevant material is unavailable or because of a technical problem on our side, the transaction may be reviewed for a refund.

The user may be required to provide payment proof and relevant purchase details for verification.

4. Course Website Purchases

If a course, PDF, test series, quiz, or other digital resource is purchased through our website and the payment is successful but access cannot be provided because of a verified technical problem on our side, we will first make reasonable efforts to restore or provide the purchased access.

If we are unable to provide the purchased product/service, the transaction may be eligible for a refund.

Once the purchased course, PDF, or digital content has been successfully activated, delivered, downloaded, or accessed, a refund will generally not be available merely because the user changes their mind or no longer wishes to use it.

5. Paid Promotion – No Performance Guarantee

We may provide Paid Promotion services through our website, WhatsApp Channel, social media platforms, or other associated digital channels.

Payment for Paid Promotion is charged for providing the agreed promotional placement/service. It is not a payment for guaranteed sales, leads, customers, followers, revenue, profit, enquiries, conversions, views, or any other business result unless a specific measurable deliverable has been expressly agreed in writing before payment.

We do not guarantee how much profit, loss, reach, response, engagement, sales, or business benefit a person or business will receive from a Paid Promotion.

The advertiser is responsible for evaluating whether the promotional service is suitable for their requirements.

6. Refunds for Paid Promotion

Once the agreed Paid Promotion has been published, started, delivered, or otherwise performed, no refund will ordinarily be provided merely because the advertiser:

• did not receive the expected sales;
• received fewer enquiries than expected;
• did not make a profit;
• did not receive the expected response;
• did not like the campaign performance; or
• experienced a business loss or lower-than-expected benefit.

Our responsibility is to provide the promotional service/deliverable that was agreed upon before payment.

We do not guarantee the commercial outcome of the promotion.

If, however, we receive payment but are unable to provide the agreed promotional service at all due to a problem on our side, the matter may be reviewed for an appropriate refund or other resolution.

7. Cancellation After Payment

Users should verify all relevant details before making payment.

For digital products, cancellation may not be possible after the product has been delivered, downloaded, accessed, or activated.

For Paid Promotion, cancellation after the promotional work has started or been published does not ordinarily create a right to a refund.

8. Duplicate Payments

If the same transaction/order is accidentally paid more than once and our records confirm a genuine duplicate payment, the additional payment may be refunded after verification.

9. Refund Verification

Where a refund is potentially applicable, we may request reasonable information such as:

• Customer name
• Registered mobile number/email
• Product or service purchased
• Payment amount
• Date of payment
• Transaction ID / UTR
• Payment screenshot or receipt
• Order ID, where applicable
• Description of the payment or access issue

A refund request will be reviewed against our transaction and delivery/access records.

Submitting a refund request does not automatically mean that the refund has been approved.

10. Refund Processing

Where a refund is approved, it will generally be returned through the original payment method or another mutually appropriate method, subject to the payment provider’s capabilities.

Banking/payment-gateway processing times may apply after a refund has been initiated.

11. Educational Results Are Not Grounds for Refund

Our notes, PDFs, courses, test series, guess papers, quizzes, and other educational resources are intended to support study and revision.

We do not guarantee any specific examination question, marks, percentage, rank, passing result, or selection.

Therefore, examination performance or the non-appearance of an expected question does not by itself create a right to a refund.

Our objective is to make learning and revision easier and more structured, not to guarantee examination results.

12. Applicable Consumer Rights

Nothing in this Refund & Cancellation Policy is intended to remove or restrict any refund, remedy, or consumer right that must be provided under applicable Indian law.

Where applicable law requires a refund or other remedy despite a provision of this policy, the applicable legal requirement will prevail.

13. Contact for Payment Issues

For a failed payment, duplicate payment, missing digital access, undelivered WhatsApp PDF, or another eligible payment issue, users may contact us through the official contact details published on our website.

Please provide the relevant transaction details so that the payment and delivery status can be verified.

Arjun Panchariya Sindhu
Arjun Panchariya Study Point

Official Website: arjunpanchariya.in
Associated Platform: apps.arjunpanchariya.in

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Important Summary

Successful PDF/Course delivery or access: Generally non-refundable.

Payment received but product/service cannot be provided because of a verified issue on our side: Refund may be available.

Failed/pending/debited payment without successful purchase or access: Subject to payment-status verification and any automatic bank/payment-provider reversal.

Change of mind, personal reason, or user no longer needs the product: Generally not refundable after successful digital delivery/access.

Paid Promotion: No guarantee of sales, profit, leads, customers, or other commercial results. Once the agreed promotion has been delivered or started, poor performance or lack of expected benefit does not ordinarily qualify for a refund.

Duplicate payment: Eligible for review and refund after verification.

Applicable Indian consumer law: Mandatory legal rights remain unaffected.