Refund & Cancellation Policy

If a paid course is not right for you, email us within 7 days of paying and we refund the full amount. No forms, no interrogation, no "you only used it twice". You do not have to justify the decision, and using the material during those 7 days does not void the refund — trying it properly is the whole point.

The window runs for 7 calendar days from the moment your payment is confirmed.

Email [email protected] from the address on your account with:

• the exam you bought (for example "NISM Series V-A"), and
• the payment reference from your receipt, if you have it handy.

That is the entire process. We acknowledge within 1 working day and approve any request that arrives inside the window. You can also raise it from the contact form if email is inconvenient.

We initiate the refund with Razorpay within 1 working day of approving it. Razorpay then returns the money by the same method you paid with — the same card, UPI ID or bank account — which typically takes 5–7 working days to appear, depending on your bank. We cannot refund to a different account, and we do not issue cash or cheque refunds. You will get an email confirmation when the refund is initiated.

After the window closes, purchases are final. Paid access is a one-time purchase for a fixed period, not a subscription, so there is nothing to cancel and you will never be charged again — your access simply runs to the end of its period and stops.

We still refund, at any time, when the fault is ours:

• You were charged but access was not granted.
• You were charged twice for the same purchase.
• You bought the wrong exam by mistake — we will switch you to the right one, or refund it.
• We withdraw an exam while you still have paid access left, in which case we refund the unused portion pro-rata.
• A prolonged outage meaningfully eats into your access period — tell us and we will extend the period or refund it.

• Exam results. We do not refund because an exam was failed. Our material is preparation, not a guarantee — see our Terms of Use.
• Fees paid to an exam body. NISM, IIBF, IRDAI and the rest collect their own registration fees directly and their own rules apply — most of them are non-refundable. We never take those payments and cannot return them.
• Accounts closed for a breach of our acceptable-use rules, such as sharing or reselling access.
• Free content. Nothing was paid, so there is nothing to refund.

If you bought inside the NISMReady Android app, Google Play processed the payment and Google's own refund rules apply first. Request it through your Google Play order history. If Google declines and you are still inside our 7-day window, write to us anyway — we will honour the promise ourselves.

Write to [email protected]with "Grievance" in the subject line and a person will review it personally. We respond to every grievance within 1 working day and resolve it within 30 days. This policy is governed by the laws of India, and nothing in it limits your rights under the Consumer Protection Act, 2019. Disputes are subject to the exclusive jurisdiction of the courts at New Delhi, India.