1. Payment Obligations

By choosing to transact on this Website, you agree to pay all fees and charges applicable to your purchase.

All payments must be made in Indian Rupees (INR) unless otherwise specified.

You represent and warrant that:

1. The payment information you supply is true, correct, and complete.
2. ​You are duly authorized to use the chosen payment instrument (Credit Card, Debit Card, UPI, etc.).

2. Payment Processing

We utilize third-party payment gateways and aggregators to process transactions.

No Storage of Sensitive Data:

We do not store your CVV, 3D Secure passwords, or API credentials. All such data is handled by the PCI-DSS compliant payment service provider.

Transaction Authorization: Your bank or card issuer may require additional authentication (OTP/2FA). We are not responsible for transactions declined due to authentication failures.

3. Refund and Cancellation Policy

Request Timeline:Refund requests must be initiated within [Number, e.g., 7] days of the transaction.

Mode of Refund: Approved refunds will be credited back to the original source of payment within .....working days, subject to bank processing times.

Non-Refundable Charges: Convenience fees or platform fees incurred during the initial transaction may be non-refundable.

4.Chargebacks and Disputes:

In the event of an unauthorized charge or a dispute, you agree to contact our support team at [ Insert Email] before initiating a chargeback with your bank. We reserve the right to suspend accounts or legal recourse in cases of fraudulent chargeback claims.

5. Limitation of Liability

To the maximum extent permitted by law, Learnovate shall not be liable for any:

1. Loss or damage arising from technical glitches, server downtime, or payment timeouts on the gateway's end.
2. Indirect, incidental, or consequential damages resulting from a failed or delayed transaction.