Refund and Cancellation Policy

01When checkout is available

A purchase, trial or pass can be offered only when the selected course and the relevant plan are released. After sign-in, you can choose an IBPS course and see its current access status.

This page describes the rules that apply when checkout is enabled for an eligible course, together with any more specific terms shown before that payment.

02One-shot purchases only

A monthly plan or limited pass is purchased manually for one stated access period. ScoreVedaa does not create an auto-debit mandate, does not automatically renew the purchase and does not schedule a next-period charge. If you want another period after access ends, you choose and pay again yourself.

A limited pass or trial, if offered to an eligible verified account, has the specific access period, price and conditions shown before it starts. It does not become another paid plan automatically.

03What you see before paying

A live checkout must show, before the payment action:

• the selected IBPS course and the plan or pass being purchased;
• the exact amount payable, discount if any, and whether GST is included;
• the access period and when it starts;
• the manual one-shot and non-renewal conditions;
• any offer-specific refund window or eligibility condition; and
• links to the current Terms of Use and this policy.

The order and invoice, not an older public screenshot or campaign description, record the exact transaction. If checkout does not show this information clearly, do not pay and contact support.

04Payment or access problems

Payment confirmation and course access may appear at different times. If money is taken but access is missing, do not pay again. Contact payment support with the existing order reference so we can check the payment and restore or resolve access.

A failed or abandoned payment that was not taken does not create access. A bank or UPI app may show a temporary debit or pending entry while its own reversal completes. ScoreVedaa will check the payment status rather than ask you to pay again or share credentials.

05When a refund may apply

A refund review may result in a refund where, for example:

• the same ScoreVedaa order was charged more than once;
• payment was captured but the purchased access cannot be delivered or restored;
• the amount captured does not match the amount confirmed on the final checkout;
• the specific offer included a voluntary refund window and the request meets its displayed conditions; or
• a refund is otherwise required under an applicable, non-excludable obligation.

This policy does not invent one universal “no questions asked” period. Any voluntary change-of-mind window must be shown clearly before the future payment and recorded with the order. Outside such a displayed window, a change of study plan or non-use is not automatically a refund promise, subject always to rights that cannot lawfully be excluded.

06How to request review

A signed-in learner can use Help → New request or view the transaction from Plan & Billing. You can also email Support.scorevedaa@neuramach.ai. Include the registered contact, order or payment reference, amount, date and a short description.

Do not send a card number, CVV, OTP, UPI PIN, password, bank statement containing unrelated transactions, or full identity document. Support can ask for a safe proof of the relevant transaction if the payment record is not enough, but will never ask for credentials needed to authorise a payment.

07How an approved refund is handled

An approved refund is initiated against the original transaction and, where supported, returned to the original payment method. The payment provider, bank or UPI provider controls the time between our initiation and the credit appearing. We will provide the refund reference or status available to us rather than promise a bank timeline we do not control.

If the original payment method cannot accept a refund, we will explain the safe alternative and verify account ownership before changing the destination. ScoreVedaa support does not ask you to pay a fee or approve a collect request in order to receive a refund.

08Effect on access and account data

When a full refund is approved for delivered access, the related paid access may end when the refund is initiated or confirmed, as stated in the decision. Correcting a duplicate charge does not remove the valid access bought by the original charge. A failed-payment reversal does not create access.

A refund or access expiry does not automatically delete the account, attempts, AI history or support record. Account and data deletion is a separate privacy action available through Help → Privacy & consent and described in the Privacy Policy.

09Misuse and disputed payments

We may decline a voluntary refund benefit where there is evidence of account sharing, fraudulent payment use, bulk extraction of content, manipulated evidence or repeated abuse of an offer. That does not remove a right or remedy that cannot lawfully be excluded. A learner may ask for the decision to be reviewed through the same support channel.

If you do not recognise a payment, secure the payment method with your bank or UPI provider promptly and tell us the ScoreVedaa reference. We may restrict the related account while the transaction is investigated to prevent further unauthorised use.

10Non-excludable rights, changes and contact

This policy does not limit a consumer right or remedy that cannot lawfully be excluded. Offer-specific terms may add a more generous refund condition but cannot silently create recurring billing. The version shown at payment and recorded with the order applies to that transaction, subject to applicable requirements.

Payment support and grievances: Support.scorevedaa@neuramach.ai. Public contact: scorevedaa.in/inquiry. ScoreVedaa IBPS is provided by NeuraMach AI Studio Private Limited, Pune, India.