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Refund and Returns Policy

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Effective Date: 05-09-2025

At JMC Study Hub, we aim to provide every learner with a transparent, fair, and student-friendly experience. Our refund policy ensures that students can make informed decisions while safeguarding the integrity of our platform. By enrolling in any course, you agree to the terms outlined in this Refund Policy.

1. General Overview

  • All courses purchased on courses.jmcstudyhub.com or our official Android application are covered by a 7-day refund policy.

  • Students may request a refund if they are not satisfied with the course, provided they meet the eligibility conditions described below.

  • Refunds will only be granted for payments made directly through our platform. Purchases made via third-party resellers are not covered.

2. Eligibility Criteria for Refund

A student may apply for a refund under the following circumstances:

  1. The request is made within 7 days of the purchase date.

  2. The student has accessed less than 20% of the course content (including videos, quizzes, notes, or downloads).

  3. The course has not been completed or downloaded in substantial form.

  4. The payment was successful and verified by our payment gateway.

If any of these conditions are not met, the refund request will not be approved.

3. Refund Process

To request a refund, students must follow this process:

  1. Submit a Request: Contact our support team at [support@jmcstudyhub.com] within 7 days of purchase.

  2. Provide Details: Mention your registered email, course name, payment receipt, and reason for the refund.

  3. Verification: Our team will review your access history (course progress, downloads, and quiz attempts) to verify eligibility.

  4. Approval/Denial: The refund request will be approved or denied based on the conditions stated here.

  5. Refund Timeline: Once approved, refunds will be processed within 7–14 business days to the original payment method.

4. Non-Refundable Situations

Refunds will not be provided in the following cases:

  • Requests made after 7 days from purchase.

  • Students who have accessed more than 20% of course content.

  • Courses purchased using discount coupons, promotional offers, or bundled packages (unless otherwise stated).

  • Account suspension due to policy violations, misuse of login credentials, or content sharing.

  • Instructors requesting refunds for their published courses.

  • Situations where students demand refunds due to poor internet connectivity, device issues, or personal reasons outside our control.

5. Special Conditions for Android App Purchases

  • If a course is purchased through the JMC Study Hub Android app, the same 7-day refund policy applies.

  • Offline downloads and app cache will be revoked after refund approval.

  • Students must update the app to the latest version to ensure smooth refund processing.

6. Discounts, Coupons, and Offers

  • Courses purchased under limited-time offers, seasonal discounts, or coupon-based enrollments may carry separate refund terms.

  • JMC Study Hub reserves the right to deny refunds if the discounted course is already being consumed significantly.

  • Refunds, if applicable, will be calculated on the actual amount paid, not the original course price.

7. Instructor-Related Refunds

  • If an instructor removes or discontinues a course, students will be eligible for either:

    • A complete refund, OR

    • A free transfer to a similar course, based on availability.

  • Refunds will not be processed for minor course updates or changes in teaching methods.

8. Validity and Expiry of Courses

  • Every course comes with a validity period (mentioned at the time of purchase).

  • Once the validity expires, access to videos, notes, quizzes, and assignments will automatically end.

  • No refunds will be provided after expiry. Students must re-purchase if they wish to continue.

9. Data and Confidentiality during Refunds

  • During refund verification, we may review student account details such as name, email, login activity, and course progress.

  • Payment-related data such as debit/credit card details, UPI, or bank information is handled securely by our payment gateway.

  • JMC Study Hub ensures strict confidentiality of all student and instructor data during the refund process.

10. Technical Issues and Refunds

  • If a payment is deducted but enrollment is not activated, students must contact support with transaction details.

  • In such cases, refunds will be initiated within 7 business days or access to the course will be restored.

  • Refunds are not applicable for temporary technical glitches, downtime, or maintenance periods.

11. Dispute Resolution

  • In case of disputes regarding refunds, JMC Study Hub’s decision will be final.

  • Students can escalate issues via [support@jmcstudyhub.com] if they feel unsatisfied with the resolution.

  • Disputes will be handled as per Indian laws under the jurisdiction of Gwalior, Madhya Pradesh.

12. Policy Updates

JMC Study Hub reserves the right to update or revise this Refund Policy at any time. Students will be notified via email or platform announcements. Continued use of the platform after updates indicates acceptance of the revised policy.

13. Frequently Asked Questions (FAQs)

Q1. Can I get a refund after 7 days?
No, refunds are only applicable within 7 days of purchase.

Q2. What if I accessed more than 20% of the course?
Refunds are not allowed once significant content has been consumed.

Q3. How will I receive my refund?
Refunds will be processed back to the original payment method.

Q4. How long will the refund take?
Refunds typically take 7–14 business days depending on your bank/payment provider.

Q5. Are discounts and coupons refundable?
Refunds will be calculated on the amount actually paid, not the original price.