Refund Policy

1. Why we offer this

We’d rather solve a problem for a buyer than have someone feel stuck with a product that’s wrong for them. The 7-day window is long enough to actually open the files, work through a few templates or questions, and decide whether the product fits your scenario.

Refunds are issued as store credit because we sell digital products that customers keep after a refund. Credit keeps the relationship intact and gives you full value to apply on a product that does fit — while staying sustainable for a small Indian business that can’t absorb “download-then-cash-refund” abuse.

2. The digital-product reality

Every product on this site is a digital download — PDFs, .xlsx spreadsheets, .docx templates. The moment you click the download link in your delivery email, the product is on your device.

Unlike physical goods, we can’t take a downloaded PDF back. We can revoke future access to the download link, but we cannot retrieve files you’ve already saved. This is why our refund mechanism is store credit rather than cash — the value transferred when you downloaded the file is real, and credit lets us honour your “this product doesn’t fit” request without absorbing a one-way cash loss.

We’re upfront about this because we’d rather buyers understand the structure than be surprised by it.

3. How to start a refund request

One email is all we need:

1. Email hello@learnandexcel.in.
2. Use subject line: Refund — [your order number or registered email].
3. Tell us what specifically didn’t fit. Example: “The GST module doesn’t cover inter-state RCM for service exporters in Karnataka” or “Q47 has a wrong VLOOKUP syntax on page 12.” This helps us improve the product and confirms the request fits fair-use.

Don’t have the order number? Just email from the address you used at checkout — we’ll find it.

4. How store credit works

• 100% of your purchase amount, issued to your registered email.
• Use on any current or future product on learnandexcel.in — including future launches.
• No expiry.
• Stacks with launch discounts — you can apply credit on top of sale prices.
• Issued within 1 business day of your refund request being confirmed.
• Sent as a unique credit code via email + tied to your registered email at checkout.

Credit doesn’t revoke your existing download access — the product you bought stays yours, and credit is available to spend on a different one.

5. Fair-use policy

Because we offer instant download access on digital products that can’t be physically returned, fair-use applies to all refund requests. We track patterns across all products on the same registered email and payment method.

What we honour without question:

• Buyer realises after working through the product that it doesn’t cover the scenario they need — we issue store credit.
• Buyer of one product finds a different product in our catalog fits their scenario better — we issue store credit to switch.
• Buyer documents a specific defect or factual error in the product — we issue store credit and fix the defect in the next edition.

What we don’t honour:

• Refund requests submitted within minutes or hours of purchase — long enough to download, not long enough to genuinely evaluate a 400+ question pack or 73-template workbook. We may ask for specifics in these cases; if the response is generic (“not interested anymore”, “changed my mind”, “not what I expected” without specifics), we decline.
• Refund requests with no specific reason given — we need to understand what didn’t fit to improve the product and to confirm the request fits fair use.
• Refund-followed-by-purchase pattern across multiple products on the same registered email.
• Refund requests after files have been re-uploaded to a public file-sharing site (Google Drive public links, Telegram channels, GitHub) before the request was filed.
• Same email/phone has requested refunds on multiple orders within a short window.

Repeated fair-use violations across our catalog may result in future purchases being blocked from the registered email and linked payment methods. We do this only when a pattern is clear.

6. What’s eligible

Every paid order is eligible for store credit if:

• The refund request is sent within 7 calendar days of payment.
• You haven’t already received store credit for the same order.
• The request comes from the email address used at checkout (or a clearly linked address you can verify).
• The request is consistent with the fair-use policy above — specifically, includes a substantive reason and doesn’t fit a download-then-refund pattern.

7. Exceptions & abuse handling

In the small number of cases where we observe clear abuse, refund requests may be declined and the registered email/phone may be blocked from future purchases:

• Same email/phone has requested refunds on 3+ previous orders without documented product issues.
• Files have been re-uploaded to a public file-sharing site (Google Drive public links, Telegram channels, GitHub repos, etc.) before the refund request.
• Chargebacks filed with the card-issuing bank before contacting us — chargebacks bypass our refund process, incur fees, and skip the store-credit option. If you’re unhappy, talk to us first — store credit is faster than a chargeback.
• Repeated refund-followed-by-purchase pattern on different products on the same registered email.

We never decline a refund request without first emailing the buyer explaining why. If you believe a decline was incorrect, reply on the email thread — we re-review every dispute.

8. After the credit is issued

• The download links you received for the original order continue to work — the product is yours.
• Your store credit code is valid forever and applies to any product, including future launches.
• You stop receiving marketing emails about the refunded product specifically (we still send catalog updates unless you unsubscribe).