Refund Policy

Effective Date: [Insert Date]

This Refund Policy applies to all purchases made on the COWRIN platform, including one-time course purchases, subscriptions, bundled offers, and promotional plans, unless a different refund condition is clearly stated on a specific product page or offer page.

1. General Policy

Because our products are digital and access is typically granted immediately after purchase, all refund requests are evaluated according to this policy.

We reserve the right to deny refund requests that are abusive, fraudulent, repetitive, manipulative, or inconsistent with genuine consumer protection expectations.

2. Eligible Refund Window

Unless otherwise stated on the relevant course or offer page, users may request a refund within 7 calendar days from the date of purchase, provided that:

• The refund request is submitted within the allowed time period
• The course has not been substantially consumed, completed, downloaded in bulk, or misused
• There is a genuine issue such as accidental duplicate purchase, major technical access failure, or material mismatch between the course description and the delivered product

3. Cases Where Refunds May Be Refused

Refunds may be refused in cases including, but not limited to, the following:

• You changed your mind after purchasing
• You did not read the course description, eligibility, format, or requirements before buying
• You lack time to complete the course
• You are dissatisfied for reasons unrelated to quality, access, or material mismatch
• A significant portion of the course has already been accessed, watched, completed, or consumed
• You downloaded materials, copied content, or attempted to retain the product after seeking a refund
• Your account was suspended or terminated for violating our Terms & Conditions
• The purchase was made during a special sale, scholarship, limited promotion, beta launch, or explicitly marked non-refundable offer

4. Subscription Plans

For subscription-based plans, you may cancel future renewals at any time before the next billing cycle. Cancellation stops future charges but does not automatically entitle you to a refund for the current billing period, unless required by law or expressly stated otherwise.

If a free trial is offered, it is your responsibility to cancel before the renewal date if you do not wish to be charged.

5. Duplicate or Unauthorized Payments

If you were charged more than once for the same product due to a technical issue, duplicate transaction, or payment gateway error, contact us promptly. Verified duplicate payments may be refunded or adjusted.

6. Technical Issues

If you face technical problems accessing a course, you must first allow us a reasonable opportunity to resolve the issue. A refund is not justified merely because of a temporary technical issue that can be fixed within a reasonable period.

7. Refund Request Process

To request a refund, email [email protected] with the following:

• Your full name
• Registered email address
• Course or subscription purchased
• Date of purchase
• Payment reference or transaction ID
• Clear reason for the refund request

Incomplete, vague, or unsupported refund requests may be delayed or rejected.

8. Processing Time

If a refund is approved, it will generally be processed within 7 to 14 business days, depending on the payment gateway, banking system, and payment method used.

We are not responsible for external delays caused by banks, card networks, wallets, or payment processors.

9. Chargebacks and Payment Disputes

If you initiate a chargeback or payment dispute without first contacting us for resolution, we reserve the right to suspend your account, revoke course access, and contest the dispute using available usage, purchase, and access records.

10. Changes to This Policy

We may update this Refund Policy from time to time. The latest version posted on our platform will apply to future purchases.

11. Contact Us

For refund-related questions, contact:

COWRIN INNOVATION PRIVATE LIMITED
Email: [email protected]