At Niveshdemy, we provide digital products and services such as online courses, mentorship programs, workshops, and memberships related to financial education (stock market, bond market, and mutual funds).
As all our offerings are delivered digitally, no physical shipping is involved.
1. Delivery Method
Upon successful payment, customers will receive access details for their purchased course, mentorship, or workshop via email and/or WhatsApp within 1-6 hours.
In rare cases, it may take up to 24 hours due to technical delays.
2. No Physical Shipment
Since we do not sell or dispatch any physical goods, there are no shipping charges or delivery tracking numbers applicable.
3. Access Issues
If you do not receive your access credentials or confirmation within 24 hours of purchase, please contact us at: [email protected]
Our team will verify your purchase and ensure prompt access to your digital product.
4. Address Details
Any address information collected during checkout is used only for billing or record-keeping purposes and not for physical delivery.
Refund Policy for Selected Courses
Applicable only to:
(i) Complete Investment Course (Stock Market, Bond Market, Mutual Fund) - Hindi
(ii) Complete Stock Market Course - Hindi
1. General Scope & Applicability
1.1 This Refund Policy ("Policy") governs refund requests exclusively for the two courses listed above. No other course, bundle, add-on, or promotional offering—whether currently available or to be introduced—falls under this Policy.
1.2 By enrolling in either of these courses, you ("Learner") acknowledge and accept all clauses herein, including eligibility criteria, evidentiary requirements, and restrictive provisions.
2. Definitions
3. Eligibility Criteria
3.1 Time Limit: Refund requests must be initiated within the Request Period (24 Hours). Requests received after 24 Hours will be automatically denied, irrespective of circumstances.
3.2 Usage Restriction: Learner must not have accessed, viewed, downloaded, or opened any content (video, PDF, PPT) beyond the Usage Threshold. Even a single instance of opening or playing any content that cumulatively exceeds 50% of the total Iterable Content (defined in Section 7) disqualifies the Learner.
3.3 Proof of Alternative ("Vast") Course: Learner must demonstrate, with verifiable evidence, that within the Request Period they located a "Vast Course"— i.e., one that meets both (a) content quantity strictly exceeding that of the Purchased Course, and (b) price strictly less than the Purchase Price. Proof requirements appear in Section 8.
4. Usage / Access Log Verification
4.1 Upon receiving the Learner's refund request, Niveshdemy's system will cross-check access logs:
4.2 If system logs indicate cumulative usage ≥ 50% of Iterable Content, refund is immediately disqualified.
4.3 In case of discrepancy between Learner's affidavit (see Section 8) and system logs, system logs take precedence.
5. Refund Calculation & Disbursement
5.1 If Learner meets ALL conditions in Sections 3-4 and provides complete proof per Section 8, Niveshdemy will process a refund equal to 100% of the Purchase Price, minus any third-party payment gateway charges (if applicable).
5.2 Refunds are processed back to the original payment method within 14-21 business days of approval. Niveshdemy's refund approval date is the date on which all proof is validated and system checks cleared, not the date of initial email.
5.3 Learner is responsible for any currency-conversion fees, bank charges, or transaction reversals.
6. Disqualifiers & Scenarios (Automatic)
6.1 Request emailed after Day 7 (inclusive).
6.2 System-logged usage > 50% of Iterable Content (e.g., even a single video start counts as 1 unit).
6.3 Any falsification or manipulation of comparative evidence (e.g., editing screenshots to misrepresent price or content counts).
6.4 Failure to meet any one of the proof requirements in Section 8 (e.g., missing signature, incomplete evidence).
6.5 Omission or partial evidence; no follow-up for missing items: Incomplete submissions are "as is" rejections.
7. Iterable Content & Usage Threshold Calculation
7.1 Iterable Content: For each Purchased Course, Niveshdemy defines Iterable Content as the sum of:
7.2 Example Iteration (Investment Course):
7.3 Usage Threshold (50%): 50% of 880 = 440 units. Therefore, if Learner has opened, viewed, or downloaded content equivalent to 440 or more units—regardless of duration—Learner is ineligible for a refund.
7.4 Rounding & Counting:
8. Proof & Evidence Requirements
8.1 Email Submission: Learner must send an email to [email protected] within the Request Period. The subject line must read exactly:
Refund Request – [Course Name] – [Order ID]
8.2 Proof of Vast Course: The email must include all of the following:
a. Course URL: A clickable link to the Vast Course's official landing page or catalog listing.
b. Price Evidence: A clear, timestamped screenshot showing the Vast Course's price is strictly lower than the Purchased Course's Purchase Price on the same calendar date.
c. Content Inventory: A detailed, verifiable breakdown of the Vast Course's Iterable Content: number of video lectures, total PDF pages, and total PPT slides—each counted separately. Use publicly visible curriculum tables or official syllabi.
d. Side-by-Side Table: A comparison table listing both the Purchased Course's Iterable Content (videos + pages + slides) and the Vast Course's Iterable Content, demonstrating that the Vast Course total is strictly greater.
e. Affidavit (PDF): Learner's signed declaration affirming they have not accessed, viewed, downloaded, or opened more than 50% of the Purchased Course's Iterable Content at any point. The affidavit must include:
• Learner Name
• Date of Submission
• Statement of Usage ("I, [Name], hereby affirm...")
• Signature (handwritten or digital) and Date
8.3 Third-Party Platform Requirements: If the Vast Course is on a third-party platform, public disclosure of content counts (e.g., curriculum page) is mandatory. Private or invite-only programs without transparent content listings are not acceptable.
8.4 Currency Conversion: If the Vast Course is priced in a different currency, Learner must provide an authoritative exchange rate reference (e.g., RBI's daily rate on that purchase date) showing price parity comparison.
8.5 No Partial Credit: Failure to provide any single item in Section 8.2 (a-e) results in automatic denial. Niveshdemy will not follow up for missing evidence.
9. Additional Notes & Complexities
9.1 Bundled Purchases: If Learner purchased a bundle containing one of the named courses plus additional modules, only the Iterable Content of the relevant Purchased Course counts toward the Usage Threshold. Niveshdemy's system will prorate accordingly.
9.2 Overlapping Content: If the Vast Course shares any identical content (videos, PDFs, PPTs) with the Purchased Course (e.g., co-branded or licensed videos), those overlapping units are disqualified from counting toward the "greater content" requirement. Learner must demonstrate strictly non-duplicative content.
9.3 Inflation & Discounts: If Learner used a discount code or promotional credit for the Purchased Course, the net discounted Purchase Price is the benchmark for price comparison. The Vast Course's price must be strictly less than this discounted amount.
9.4 Third-Party Payment Charges: Any payment gateway or bank charges incurred during refund processing are borne by the Learner.
9.5 Finality of Decisions: All disputes over clause interpretation (e.g., what counts as a "video play event") will be resolved at Niveshdemy's sole discretion.
10. Governing Jurisdiction & Amendments
10.1 This Policy is governed by the laws of India. Any dispute arising hereunder shall be resolved in Hyderabad, Telangana, India, with the courts there having exclusive jurisdiction.
10.2 Niveshdemy reserves the right to amend, revise, or update this Policy at any time, without prior notice, by posting a revised version on its website. The date of last revision will appear at the end of this document. Enrolled Learners are bound by the Policy in effect at the time of their enrollment; any substantial changes thereafter will not apply retroactively to existing purchase orders.
Last Revised: June 2, 2024.
Contact us for any issues:
If you have any questions about our Returns and Refunds Policy, please contact us at:
[email protected]
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