Refund Policy

📋 Overview

This Refund Policy outlines the terms and conditions under which Concepts 'n' Clarity will process refund requests for CFA and FRM coaching programs. We strive to maintain a fair balance between student interests and operational requirements.

By enrolling in any of our programs, you acknowledge that you have read, understood, and agree to be bound by this Refund Policy.

🎯 Free Demo Classes

• No Payment Required: Demo classes are completely free with no payment obligations
• Full Experience: Experience actual classroom environment and teaching style
• Ask Questions: Interact with faculty and clarify all doubts
• Make Informed Decision: Decide after experiencing the quality firsthand

✅ Refund Eligibility Criteria

Before Course Commencement

After Course Commencement

• Within First Week (Up to 2 Classes): 50% refund available if you're not satisfied with the course after attending maximum 2 classes
• After First Week (More than 2 Classes): No refund available as substantial course content has been delivered
• Medical Emergency: Case-by-case evaluation with medical documentation required (see Special Circumstances section)

🚫 Non-Refundable Items & Services

The following are non-refundable under any circumstances:

1. Registration/Enrollment Fee: One-time administrative fee charged at enrollment
2. Study Materials: Physical books, printed materials, and access codes once provided
3. Online Portal Access: Once credentials are shared and portal is accessed
4. Mock Test Series: Once accessed or downloaded
5. Additional Services: One-on-one mentoring sessions, doubt-clearing sessions, or any add-on services already availed
6. Recorded Session Access: If recordings have been accessed or downloaded
7. Third-Party Services: Any external examination fees, certification costs, or third-party service charges

🔄 Batch Transfer Policy

Batch Transfer Conditions:

• One-Time Transfer: Students can transfer to another batch only once without any charges
• Advance Notice: Transfer request must be made at least 7 days before the new batch start date
• Subject to Availability: Transfer is subject to seat availability in the requested batch
• Same Course Level: Transfer is only allowed within the same course level (e.g., CFA Level 1 to CFA Level 1)
• Written Request: Must submit written request via email or in person
• No Partial Refunds: No refunds will be provided for classes already attended in the original batch
• Validity Period: Batch transfer must be utilized within 12 months of original enrollment

How to Request a Batch Transfer:

1. Contact us via email at info@conceptsnclarity.com
2. Provide your enrollment details and reason for transfer
3. Mention your preferred new batch dates
4. Receive confirmation within 2 business days

🏥 Special Circumstances & Exceptions

We understand that unforeseen circumstances may arise. The following situations will be evaluated on a case-by-case basis:

Medical Emergencies:

• Refund or batch transfer may be considered with valid medical documentation
• Medical certificate from registered practitioner required
• Documentation must clearly state inability to attend classes
• Request must be submitted within 7 days of occurrence

Job Relocation:

• Batch transfer to online mode preferred over refund
• Relocation letter from employer required
• Partial refund may be considered after deducting costs for services availed

Technical Issues (Online Classes Only):

• If technical issues prevent class attendance, alternative solutions will be provided
• Recorded sessions and make-up classes available
• Refunds not applicable for technical issues resolvable through support

⚙️ Refund Request Process

Step-by-Step Procedure:

1. Submit Written Request:
   • Email your refund request to info@conceptsnclarity.com
   • Include: Full name, enrollment number, course details, reason for refund, and bank account details
2. Provide Supporting Documents:
   • Copy of payment receipt
   • Enrollment confirmation
   • Any supporting documentation (if claiming special circumstances)
3. Acknowledgment:
   • You will receive an acknowledgment within 2 business days
4. Review & Approval:
   • Your request will be reviewed within 7 business days
   • You will be notified of the decision via email
5. Refund Processing:
   • Once approved, refund will be processed within 15-30 business days
   • Refund will be made to the original payment method used during enrollment

Required Information for Refund Request:

• Student Name (as per enrollment)
• Enrollment Number/ID
• Course Name and Batch Details
• Date of Enrollment and Payment
• Transaction/Receipt Number
• Reason for Refund Request
• Bank Account Details (Account holder name, account number, IFSC code, bank name)
• Contact Number and Email Address

💳 Payment Method & Processing Time

🏫 Course Cancellation by Concepts 'n' Clarity

In rare cases where Concepts 'n' Clarity cancels a batch or course due to insufficient enrollment or unforeseen circumstances:

• Full Refund: 100% refund of course fees paid
• No Deductions: No administrative fees or deductions will apply
• Alternative Options: Students will be offered the first available alternative batch at no extra cost
• Advance Notice: Minimum 7 days notice will be provided (except in case of emergencies)
• Priority Processing: Refunds will be processed within 7-10 business days

📝 Modifications to This Policy

Concepts 'n' Clarity reserves the right to modify, update, or change this Refund Policy at any time without prior notice. Any changes will be effective immediately upon posting on our website.

• Students enrolled before policy changes will be governed by the policy in effect at the time of their enrollment
• For significant policy changes, enrolled students will be notified via email
• It is the student's responsibility to review this policy periodically
• Continued enrollment after policy changes constitutes acceptance of the updated policy

⚖️ Dispute Resolution

In case of any disputes or disagreements regarding refund claims:

1. Internal Resolution: Students should first attempt to resolve the issue with our Student Support Team
2. Escalation: If unresolved, the matter can be escalated to the Director/Management within 15 days
3. Written Communication: All dispute communications must be in writing (email preferred)
4. Good Faith Negotiation: Both parties agree to engage in good faith negotiations to resolve disputes amicably
5. Jurisdiction: Any legal disputes shall be subject to the exclusive jurisdiction of courts in Gurgaon, Haryana, India