Refund Policy

At [Your Platform Name], we are committed to providing high-quality digital educational content to SSC and HSC students in Bangladesh. As all our products are digital goods delivered electronically, our refund policy is designed to be fair to both our customers and our business.

Please read this Refund Policy carefully before making any purchase. By completing a purchase, you acknowledge that you have read and agree to this policy in full.

Refunds will not be granted under the following circumstances:

• The download link for a digital book or PDF has been accessed, even if only once
• Any portion of a course or lecture video has been streamed or downloaded
• The 24-hour refund window for courses has passed
• The refund request does not include a valid order ID or transaction ID
• The account is found to have violated our Terms and Conditions
• The request is for a product not purchased through our official Platform
• The user claims they "changed their mind" after downloading or accessing content
• Dissatisfaction with academic results or exam performance after using our materials
• Internet or device issues on the user's side preventing access to content
• Multiple refund requests for the same product across different accounts

Failed Transaction Where Account Was Charged:

Sometimes, due to network issues or bank processing delays, your account may be debited but the order is not confirmed. In this case:

• SSLCommerz automatically detects most failed transactions and initiates a refund
• The amount is returned to your original payment method within 5–7 business days
• For bKash, Nagad, and Rocket — refunds appear in your mobile wallet within 3–5 business days
• For bank cards (Visa/Mastercard) — refunds may take 7–10 business days depending on your bank

Duplicate Payment:

• Contact us within 48 hours with your transaction ID(s) and screenshot proof
• We will verify the duplicate with SSLCommerz and initiate a refund for the extra charge
• Duplicate refunds are processed within 7–10 business days after verification

All refunds are processed through SSLCommerz, our authorized payment gateway. The following applies to all refund transactions:

• Refunds are returned to the same payment method used during the original purchase
• We cannot redirect refunds to a different mobile number, bank account, or card
• SSLCommerz charges no additional fee for refund processing on our end
• Refund confirmation emails are sent by SSLCommerz to your registered email
• SSLCommerz refund timelines are subject to individual bank and mobile operator processing times

To submit a refund request, follow these steps:

Business days exclude Fridays, Saturdays (Bangladesh weekend), and public holidays. Timelines begin from the date of approval notification, not from the date of initial request.

In certain exceptional circumstances, we may offer a partial refund at our sole discretion:

• If a course bundle is purchased and only some items have been accessed, a partial refund for unaccessed items may be considered
• If a subscription was activated but there were documented platform outages preventing access for a significant portion of the subscription period
• If content was found to have significant quality issues or factual errors reported within 7 days of purchase

Partial refund requests must be submitted in writing with specific details about the accessed and unaccessed portions of the purchase. All partial refund decisions are made at the sole discretion of our management team.

A chargeback occurs when you contact your bank or mobile operator to reverse a transaction without first contacting us. We take chargebacks very seriously.

• Please contact us first before initiating any chargeback with your bank or SSLCommerz
• Unauthorized or fraudulent chargebacks will result in immediate account suspension
• We maintain complete transaction records and will respond to all chargeback disputes with evidence
• Accounts found to abuse the chargeback system will be permanently banned and reported to SSLCommerz
• We reserve the right to recover funds and pursue legal action for fraudulent chargebacks

If you are dissatisfied with a refund decision, you may escalate the matter through the following process:

• First, respond to our refund decision email explaining your disagreement with supporting evidence
• Your escalation will be reviewed by our senior management team within 5 business days
• If still unresolved, you may submit a formal complaint via email to legal@yourplatform.com
• If the dispute involves SSLCommerz payment processing specifically, we will involve SSLCommerz in the resolution process
• Unresolved disputes are subject to the laws and courts of Dhaka, Bangladesh as per our Terms and Conditions

We reserve the right to modify this Refund Policy at any time. Changes will take effect immediately upon being posted to this page. Material changes will be communicated to registered users via email with at least 14 days' notice. Your continued use of the Platform after any change constitutes acceptance of the new policy.

We recommend bookmarking this page and reviewing it periodically, particularly before making any purchase.