Refund & Cancellation Policy

We want you to be confident in your purchase. This policy explains our stance on refunds and cancellations for each of our paid services.

Summary: We do not issue refunds. However, you may cancel recurring subscriptions at any time; access continues until the end of the billing period already paid for.

Before making any payment, you confirm that you have read this policy via a consent checkbox at the payment step. Your acceptance is recorded with the transaction.

1. Commitment fee

1.1 The one-time commitment fee grants access to the Growith NSI onboarding funnel and post-funnel LMS content as described on our Pricing page.

1.2 The commitment fee is non-refundable once payment is completed.

1.3 Before paying the commitment fee, you can preview our platform overview and sample content on the public homepage. We encourage you to explore this free content and decide before paying.

1.4 If the payment failed or was charged twice due to a technical error, we will refund the duplicate charge within 7–10 business days. Email [PLACEHOLDER: support email] with your transaction ID.

2. LMS course enrollment fees

2.1 Some courses on our LMS require a separate one-time enrollment fee in addition to commitment-fee access.

2.2 Every paid course offers a free preview (typically the first lesson or a dedicated preview video) before checkout. Please watch the preview to confirm the course matches your expectations.

2.3 Course enrollment fees are non-refundable once the course is unlocked in your account.

2.4 Duplicate charges due to technical errors are refunded within 7–10 business days — email [PLACEHOLDER: support email] with your transaction ID.

3. Distributor Program subscription

3.1 The Distributor Program is a recurring monthly subscription billed through Razorpay on the anniversary of your sign-up date.

3.2 Cancellation is allowed at any time. You may cancel from your account settings → Subscription page, or by emailing [PLACEHOLDER: support email].

3.3 When you cancel:

• No future charges will be made
• Your distributor access — referral link, lead dashboard, campaign tools — remains active until the end of the current billing period you have already paid for
• At the end of that period, access ends automatically
• No prorated refund is issued for the unused portion of the current period

3.4 Example: if you paid on April 5 and cancel on April 20, you retain distributor access until May 4 (the end of your billed period). No refund is issued for April 20 → May 4.

3.5 If Razorpay fails to charge your card on renewal, we enter a grace period during which you can update your payment method. If not updated within the grace window, your subscription is cancelled automatically and access ends.

4. Chargebacks and payment disputes

4.1 We take payment disputes seriously. Before initiating a chargeback with your bank or card issuer, please contact our support team at [PLACEHOLDER: support email] so we can investigate and resolve the issue directly.

4.2 For every payment, we retain a record of your consent to these Terms, Privacy Policy, and this Refund & Cancellation Policy — including the timestamp, terms version, and IP address at the moment of payment. This record is used to respond to chargeback disputes.

4.3 Unjustified chargebacks (where service was delivered and no eligible refund case exists under this policy) may result in permanent account suspension and may be contested with the payment processor using the consent records described above.

5. Service interruption / platform outages

5.1 In the rare event of a prolonged platform outage (7+ consecutive days) that prevents you from accessing services you paid for, we may, at our sole discretion, extend your subscription or access period by the equivalent time lost. Refunds for outages are not issued except where specifically required by law.

6. How to request a cancellation or raise a refund issue

Cancellation of Distributor Program

Log in → Account settings → Subscription → Cancel subscription
OR email [PLACEHOLDER: support email] with your account email in the subject line.

Duplicate / erroneous charge refund

Email [PLACEHOLDER: support email] with:

• Your account email
• Transaction ID from Razorpay receipt
• Brief description of the issue

We will acknowledge within 48 hours and resolve within 30 days.

7. Consumer protection

Nothing in this policy limits your statutory rights under the Consumer Protection Act, 2019 (India) or any other mandatory consumer-protection law in your jurisdiction. If a mandatory law grants you a right that this policy does not, that mandatory right prevails to the extent required by law.

8. Contact

Questions about this policy? Email [PLACEHOLDER: support email] or see our Contact page.