Refund & Cancellation Policy

This policy applies to all purchases on iibf.store — courses, classes, tests, PDFs, the coin store and any promotional or premium offers (sections 1–5), and printed books delivered to your address (section 6).

1. Digital Goods — No Default Refund

Courses, classes, tests, PDFs and coins are instantly-delivered digital goods — coins are credited and content is unlocked the moment your payment is captured. Because these goods cannot be "returned", we do not offer refunds once the wallet is credited, the unlock window opens, or the resource is accessed.

2. Exceptions Where We Will Refund

We will issue a full refund (to the original payment method) in the following situations:

• Duplicate charge — the same transaction was billed more than once.
• Failed delivery — payment was captured by Razorpay but the coins/access were not credited to your account within 24 hours and our support cannot manually credit them.
• Unauthorised charge — confirmed by your bank's chargeback process, supported by an FIR/police report or a written declaration where required.
• Technical malfunction attributable to us that prevents you from accessing the entire purchased item (not partial access).

3. How To Request

Email aashishjain.se@gmail.com within 7 days of the disputed transaction with:

• Razorpay payment ID (begins with pay_) — found in your receipt email.
• Date and amount.
• Registered mobile number and email.
• Reason and any screenshots.

For printed books, also include your order number (begins with BK-) and follow the time limits in section 6.

Eligible refunds are processed within 7 business days of approval. Bank reversal usually takes another 3–5 days depending on your card / UPI provider.

4. Cancellation

Coin packs are one-time purchases — there is nothing to "cancel". Unlimited-access subscriptions, if offered in future, will be cancellable from the account page; the active window will continue until its expiry, after which no further deductions will be made. Already-spent coins are not refundable.

5. Promotional Coins

Coins credited via signup bonuses, referrals, spin-wheel grants, or admin gifts are promotional and non-refundable. They expire as specified in the offer's terms.

6. Printed Books

Printed books are physical goods posted to your address, so different rules apply. Full delivery terms are in our Shipping & Delivery Policy.

• Cancel before dispatch — full refund of the books and the delivery charge. Write to us as soon as possible; orders are usually dispatched within 2 working days.
• After dispatch — the order cannot be cancelled, and books in good condition are not taken back for a change of mind.
• Damaged, wrong or missing books — report within 48 hours of delivery with photos (an unboxing video helps). Once verified, we send a free replacement or refund the affected books, at your choice.
• Lost in transit — if the parcel has not arrived within 15 working days of dispatch and the courier confirms it lost, we re-send the books or refund the order in full.
• Returned to us because the address was incomplete or incorrect, or nobody was available to receive it — we re-send once you pay the delivery charge again, or refund the price of the books less the original and return delivery charges.
• Approved book refunds go back to your original payment method through Razorpay, usually within 5–7 working days.

7. Chargebacks

Please reach out to us first — most issues are resolved within a day. Filing a chargeback without contacting us may result in account suspension while we investigate and may delay a legitimate refund.

8. Contact

Questions? aashishjain.se@gmail.com · +91 8360944207