Refund & Cancellation Policy

This policy applies to every course package sold by Nitesh Skill Hub Private Limited through this website. It is published under Rule 5 of the Consumer Protection (Direct Selling) Rules, 2021, which requires a direct selling entity to have a clear, accessible return and refund policy.

Our packages are digital courses. Access is granted the moment payment is confirmed, which is why the conditions below are specific about what counts as having consumed the product. Please read this before you buy, not after.

You may cancel your package purchase and request a full refund within COOLING-OFF PERIOD — E.G. 7 DAYS of the payment being confirmed, provided the consumption conditions in the next section are met.

The window runs from the timestamp on your payment confirmation, which is shown on your invoice and in your dashboard. A request submitted after the window closes is considered on its merits but is not a right under this policy.

A refund is available where, at the time of your request:

• You are within the cooling-off window.
• You have not completed more than the consumption threshold published below.
• You have not downloaded the downloadable resources included in the package.
• No commission has been paid out on any sale you generated using the account.
• No certificate has been issued to you.

The consumption threshold is CONSUMPTION THRESHOLD — E.G. 20% OF LESSONS. Your progress is recorded automatically and is visible to you in your dashboard, so you can check before requesting.

A refund is not available where:

• The cooling-off window has passed.
• You have consumed more than the threshold, or downloaded the resources.
• The account was terminated by us for breach of the Terms & Conditions.
• The request relates to dissatisfaction with earnings rather than with the course content. Earnings are never guaranteed — see the Income Disclaimer.
• The purchase was made using another person's payment instrument without their authority.

Send us a request that includes:

• Your registered name, email address and member code.
• The package you bought and the payment reference from your invoice.
• The reason for the request — this helps us fix what went wrong.

Use the contact form with the subject “Payments and refunds”, or raise a ticket from your dashboard. We acknowledge within 48 hours and decide within 7 working days of receiving everything we need.

If we refuse a refund, we tell you the specific reason and the evidence it is based on — for example your recorded lesson progress — so that you can dispute it if you believe it is wrong.

Approved refunds are returned to the original payment method. We do not refund to a different card, account or UPI ID — that restriction exists to prevent fraud, and there is no exception to it.

We initiate the refund within INITIATION SLA — E.G. 3 WORKING DAYS of approval. Once initiated, the time it takes to appear in your account is set by your bank or card issuer, and is typically 5 to 10 working days. We will give you the gateway refund reference so you can follow it up with them.

Deductions. Payment gateway charges on the original transaction ARE / ARE NOT deducted from the refunded amount. Any such deduction is shown on the refund confirmation. GST already remitted to the government is refunded in line with GST rules.

When a purchase is refunded, the commission generated by that purchase is reversed. This is not a penalty — it simply reflects that the sale did not, in the end, happen.

• The direct commission credited to the sponsor is reversed from their wallet.
• The associated volume is removed from both legs of the affected genealogy, and any matching income already paid on it is adjusted.
• If a rank was achieved on the strength of that volume and is no longer supported, the rank is recalculated. A rank bonus already paid is recovered from future earnings, not demanded back as a debt.
• If the wallet balance is insufficient, the shortfall is recovered from the member's next payouts.

Every reversal is recorded as a ledger entry with a reason, visible to the affected member in their earnings history. Nothing is removed silently.

If money leaves your account but the purchase does not complete, do not pay again. Failed transactions are reconciled automatically and reversed by the gateway, usually within 5 to 7 working days. If it has been longer, contact us with the transaction reference and we will chase it.

Duplicate payments for the same package are refunded in full, without reference to the cooling-off window and without any deduction, as soon as we identify them.

If you raise a chargeback with your bank, please tell us as well. We will co-operate fully with the investigation. While a chargeback is open, the related account and any commission it generated are held.

If we withdraw a package or discontinue a course you have paid for and cannot provide an equivalent replacement, we refund the unused portion on a pro-rata basis, regardless of the cooling-off window. If we terminate an account for breach of the Terms & Conditions, no refund is due.

Escalate it to our Grievance Officer, named on the contact page. Grievances are resolved within 30 days of receipt. You also retain every right you have under the Consumer Protection Act, 2019, including approaching the National Consumer Helpline or the appropriate Consumer Commission, and nothing in this policy limits that.