Return & Refund Policy

1. Our 30-day guarantee

We would rather you spent your money on something that works for you than keep a fee for a course that did not. So every course carries an unconditional 30-day money-back guarantee.

If, within 30 calendar days of your purchase, you decide the course is not right for you — the level is wrong, the pace does not suit you, you no longer have time, or it simply is not what you expected — tell us and we will refund you in full. You do not need to explain your reasons, complete a form, or attend a retention call.

2. Digital goods and your statutory rights

Our courses are digital products delivered electronically and made available in full immediately after payment. There is no physical product to return, and so nothing needs to be shipped back to us.

This policy is offered voluntarily and is more generous than the law requires for digital content that has already been delivered. It does not limit or replace any right you have as a consumer under the Consumer Protection Act, 2019 or any other applicable law — including your rights where a product is defective, not as described, or where a service is deficient.

3. What qualifies for a refund

A refund request will be approved where all of the following are true:

1. The request is made within 30 calendar days of the date of purchase shown on your invoice.
2. The request comes from the email address registered on the order, or is otherwise verifiable as coming from the purchaser.
3. The purchase was made directly through neuralearn.in.
4. The account has not been subject to a breach of our Terms & Conditions — in particular, credential sharing or redistribution of course material.

Watching lessons does not disqualify you. You are meant to evaluate the course by using it, and we do not impose a completion cap.

4. When we may decline a refund

We reserve the right to decline a refund, or to offer a partial refund, in the following limited circumstances:

• Outside the window. The request is made more than 30 days after purchase. We may still consider genuine exceptional circumstances at our discretion — write to us and explain.
• Evidence of abuse. The course material has been downloaded in bulk, recorded, redistributed, or uploaded elsewhere; or the account shows access patterns indicating credential sharing.
• Repeat pattern. The same person has previously purchased and refunded courses on more than two occasions, indicating use of the guarantee to obtain content without paying.
• Breach of terms. The account has been suspended or terminated for a material breach of our Terms.
• Third-party purchase. The course was bought through a reseller, marketplace or employer's procurement system — in which case that seller's refund policy applies and you should contact them.
• Free or gifted access. The course was received at no cost, through a scholarship, or as a promotional grant.

Where we decline a request, we will explain why in writing and tell you how to escalate it under section 14.

5. How to request a refund

Send an email to info@meritchapter.com including:

• the name of the course or bundle;
• your order number or invoice number (on your confirmation email);
• the email address used at checkout.

A reason is welcome but entirely optional — it helps us improve the course, and it will never affect whether your refund is approved. You may also use the contact form and select "Refund request".

6. How long it takes

International cards and net-banking reversals can occasionally take up to 14 working days. If you have not received the money within 14 working days of our approval email, contact us with the refund reference from that email and we will trace it with the gateway.

7. How the refund is paid

• Refunds are issued to the original payment method used for the purchase. We cannot redirect a refund to a different card, account or person.
• The refund is for the full amount you paid, including GST. We do not deduct payment gateway charges from your refund.
• If the original card has expired or been closed, your bank will normally still credit the linked account. Where the gateway is unable to complete the reversal, we will arrange a bank transfer against verified account details.
• Where you paid in a currency other than INR, the refund is issued in the original transaction currency. Any difference arising from exchange-rate movement between purchase and refund is determined by your card issuer and is outside our control.
• A credit note will be issued against the original GST invoice.

Once a refund is processed, access to the course, its downloadable materials and any associated community space is revoked, and any certificate issued is void. You must delete any downloaded material you still hold.

8. Bundles and upgrades

• All-Access bundle. Refundable in full within 30 days of purchase. Bundles are refunded as a whole — individual courses cannot be removed from a bundle for a partial refund.
• Upgrades. Where you upgraded from a single course to the bundle and we credited your earlier payment, a refund within the window returns the total of both payments, and access to all courses ends.
• Bundle refund after the window on one course. The 30-day window runs from the date of the bundle purchase, not from the date you started each course within it.

9. Team and business licences

Team purchases are refundable in full within 30 days of the invoice date, provided that no more than two seats have been activated. Where three or more seats have been activated, we will refund on a pro-rata basis for unactivated seats. Team licences bought under a signed agreement or purchase order are governed by the refund terms in that agreement where they differ from this policy.

10. Cancellations

Because access is granted immediately, an order cannot be "cancelled" before delivery in the usual sense. A request to cancel made within the 30-day window is treated as a refund request under this policy. We do not operate subscriptions, so there is no recurring payment to cancel.

If a live workshop or cohort session you have booked is cancelled by you with at least 48 hours' notice, we will move you to the next available session at no charge.

11. Failed, duplicate and unauthorised payments

• Payment debited but no access granted. Contact us with the transaction reference. If the payment reached us, we grant access immediately; if it was a failed transaction, the amount is auto-reversed by your bank, typically within 5–7 working days.
• Duplicate payment. We refund the duplicate in full as soon as it is identified, whether or not you noticed it. You do not need to be within the 30-day window for this.
• Unauthorised payment. If you believe your card was used without your consent, contact us immediately and also notify your bank. We will cooperate fully with the investigation.

12. Chargebacks

Please contact us before raising a chargeback with your bank. A chargeback typically takes 45 to 90 days to resolve and is slower for you than our own refund process, which takes days.

Where a chargeback is raised without a prior refund request, we will suspend access to the account while the dispute is investigated, and we will present the transaction and access records to the payment network. Accounts found to have raised fraudulent chargebacks may be permanently closed and barred from future purchases.

13. If we cancel or discontinue a course

If we permanently withdraw a course you have purchased and are unable to provide continued access as described in clause 9 of our Terms & Conditions, you may choose either:

• a full refund of what you paid for that course, regardless of when you bought it; or
• a credit of equal value against any other course on the Platform.

Where a live workshop is cancelled by us, you will be offered a place on the next session or a full refund of that component, at your choice.

14. Contact and escalation

If you are not satisfied with how we have handled your request, you may escalate it to our grievance officer, and thereafter to a consumer forum having jurisdiction under the Consumer Protection Act, 2019, or through the National Consumer Helpline.