Refund and Cancellation Policy

This Refund and Cancellation Policy (hereinafter referred to as the "Refund Policy") sets out the terms and conditions under which Techsnap Agentic AI Private Limited (trading as "Techsnap," hereinafter referred to as "we," "us," "our," or "the Company") considers and processes refund and cancellation requests arising from purchases made by users of the Techsnap platform, operated through the website at https://techsnap.in and the associated Progressive Web Application (PWA) and mobile applications.

This Refund Policy is promulgated in compliance with the Consumer Protection Act, 2019, the Consumer Protection (E-Commerce) Rules, 2020, the Information Technology Act, 2000, the Payment and Settlement Systems Act, 2007, and all other applicable laws and regulations of the Republic of India. It forms an integral part of our Terms of Service, available at https://techsnap.in/terms, and must be read in conjunction therewith. By completing a purchase on the Techsnap Platform, you unconditionally accept and agree to be bound by this Refund Policy in its entirety.

This Refund Policy applies exclusively to purchases made directly through the Techsnap website at https://techsnap.in. Techsnap does not use, integrate, or support Google Play Billing, Apple In-App Purchase (IAP), or any other platform-native payment mechanism. The Techsnap Android application available on the Google Play Store and the Techsnap iOS application available on the Apple App Store do not facilitate, initiate, or process any payment transactions whatsoever. All payment transactions — including subscription purchases, one-time access purchases, and premium feature activations — are completed exclusively through the Techsnap website using Razorpay Software Private Limited as the sole authorised payment processing partner. As a consequence, no refund requests may be or need to be made to Apple Inc. or Google LLC in connection with Techsnap subscriptions or purchases, and the refund policies of Apple and Google have no application to any Techsnap transaction.

Techsnap offers digital educational products and services, including without limitation subscription-based access plans, AI-powered learning tools, mock interview simulators, coding compilers, skill assessments, digital certifications, and premium community features. These products and services are delivered electronically and made available to the user substantially immediately or within a very short time after payment confirmation. Due to the inherent and irreversible nature of digital content delivery — where the content or service access is provided electronically and cannot be physically returned — Techsnap maintains a general and strict no-refund policy as the baseline rule applicable to all purchases made through the Platform.

By completing a purchase through the Techsnap website, you expressly acknowledge, understand, and agree to each of the following: (a) the digital product or service access you have purchased is delivered electronically to you substantially immediately upon payment confirmation and cannot be physically returned or recalled; (b) you have had the opportunity to review all material information about the product or service — including its features, access duration, pricing, and limitations — before completing the purchase; (c) partial-period refunds for unused subscription time within an active subscription period are not offered; (d) you have the capacity and requisite device, software, and internet connectivity requirements to access the purchased Service, and Techsnap does not provide refunds for inability to access services due to inadequate personal equipment or connectivity; and (e) the subscription or service access was purchased for your personal, non-commercial use and was not purchased in reliance of a specific outcome such as employment, certification recognition by a third party, or exam qualification.

The foregoing general no-refund policy is subject to the statutory consumer rights established under the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020, which cannot be excluded or waived by agreement. Where applicable mandatory law requires that a refund or remedy be provided notwithstanding this Refund Policy, Techsnap will comply with such mandatory legal requirements. Nothing in this Refund Policy shall be construed to waive or limit any right conferred upon you as a consumer under applicable Indian law.

All purchases on the Techsnap Platform are processed exclusively by Razorpay Software Private Limited ("Razorpay"), a licensed payment aggregator regulated by the Reserve Bank of India (RBI) under the Payment and Settlement Systems Act, 2007, and certified as PCI-DSS Level 1 compliant. Razorpay provides the payment gateway infrastructure through which users may pay via credit card, debit card, net banking, UPI, and other payment methods available through Razorpay's platform.

Techsnap does not directly collect, process, or store your complete payment card details, CVV codes, net banking credentials, UPI PINs, or other sensitive payment authentication information. Such information is entered directly into and processed by Razorpay's encrypted payment interface in accordance with PCI-DSS standards. Techsnap receives only limited transaction metadata from Razorpay — including the transaction identifier, the amount, the date and time, and the payment method type (not the full card number or account details) — for the purposes of subscription management, tax compliance, and dispute resolution.

Where a refund is approved under this Refund Policy, the refund will be processed by Razorpay to the original payment method used at the time of purchase. Approved refunds will be initiated by Techsnap within seven (7) to ten (10) business days of the approval decision. The actual credit of the refunded amount to your bank account, card, or wallet is subject to the processing timelines of Razorpay, your card issuer, your bank, or your UPI provider, over which Techsnap exercises no control. Techsnap shall not be liable for any delay in the actual credit of refunded funds attributable to the payment processing infrastructure of Razorpay or your financial institution.

Notwithstanding the general no-refund policy described in Section 2 above, Techsnap will consider refund requests submitted in accordance with Section 5 in the following specific and exceptional circumstances, which are consistent with the consumer protection obligations applicable under the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020:

• Duplicate Payment: a duplicate charge has occurred, meaning you have been debited more than once for a single order or subscription cycle, and the occurrence of the duplicate payment has been conclusively verified by cross-referencing Razorpay's transaction records with Techsnap's billing system. Only the duplicate amount (the amount charged beyond the single correct charge) is eligible for refund in this scenario.
• Platform Failure Preventing Service Access: a critical technical failure on Techsnap's Platform — attributable solely and entirely to Techsnap's systems and not to your device, browser, internet connection, or any third-party service — has prevented you from accessing the specific paid feature or Service you purchased, for a continuous uninterrupted period exceeding seven (7) business days, and Techsnap has been unable to resolve the failure or provide a substantially equivalent alternative within that period. In such cases, a prorated refund corresponding to the inaccessible service period may be considered.
• Unauthorised Transaction Confirmed by Investigation: it has been conclusively established through Techsnap's internal investigation and, where applicable, the outcome of a formal complaint or inquiry process with Razorpay, that a payment was charged to your Razorpay-associated payment method without your knowledge, authorisation, or consent — for example, as a direct consequence of a breach of Techsnap's Platform security — and that the charge is not attributable to any action or inaction on your part, including failure to secure your account credentials or failure to notice and promptly report unauthorised account activity.
• Service or Feature Never Delivered: the specific Service, subscription plan, or premium feature you paid for was never activated, made available, or delivered to your account due to an error in Techsnap's payment reconciliation or provisioning systems, and no equivalent alternative Service or feature has been provided to you in its place.

The above list is exhaustive. Refund requests citing circumstances not included in the above list — including change of mind, dissatisfaction with AI-generated outputs, disagreement with assessment scores, non-attainment of desired career outcomes, or changes in personal circumstances — will not be eligible for consideration under this Refund Policy. Even where a refund request falls within one of the above categories, a refund is not automatic or guaranteed; all such requests are subject to verification and investigation by the Techsnap support team, whose determination shall be final and binding subject to any statutory consumer rights.

The following purchases and circumstances are categorically non-refundable under all circumstances, including where the exceptional cases described in Section 4 might otherwise apply:

• subscription fees for any period already used, including partial-period fees — no pro-rata refund is available for the unexpired portion of a subscription period voluntarily cancelled mid-cycle
• any purchase where the paid course content, mock tests, AI doubt-solving features, interview simulator sessions, or other AI features have been accessed, viewed, interacted with, or consumed in any manner after payment
• purchases made through promotional pricing, discount coupons, referral codes, or special offers, where the promotional terms do not expressly provide for a refund right
• purchases made during time-limited sale events, Black Friday promotions, Republic Day or Independence Day sales, or any other event-specific promotional period
• AI feature credits, tokens, or session credits that have been fully or partially consumed or redeemed
• one-time digital certificate issuance fees or verification badge fees, once the certificate or badge has been issued and delivered to your account
• accounts that have been suspended, restricted, or terminated due to a violation of Techsnap's Terms of Service, Acceptable Use Policy, or Community Standards
• subscription periods that overlap with or follow a chargeback filed by you with your bank or card issuer in respect of a prior Techsnap transaction, pending resolution of the chargeback dispute
• purchases made under an institutional or group licensing arrangement, which are governed exclusively by the applicable Data Processing Agreement or partnership agreement between the institution and Techsnap

You may cancel your Techsnap subscription at any time by accessing your account settings at https://techsnap.in and following the cancellation instructions. Cancellation prevents your subscription from automatically renewing at the end of the then-current billing period. Cancellation does not entitle you to a refund of subscription fees paid for the then-current billing period, except as expressly provided in Section 4 of this Refund Policy or as required by applicable mandatory law under the Consumer Protection Act, 2019.

Upon cancellation, you will retain access to the premium features of your subscription plan until the end of the current billing period for which you have already paid. After that date, your account will revert to the free tier, and access to premium features will cease. If you cancel and subsequently resubscribe, your new subscription will be charged at the then-current subscription price, which may differ from the price applicable to your previous subscription.

Techsnap reserves the right to modify subscription plans, pricing, and the features included in each tier at any time, subject to providing advance notice to existing subscribers in accordance with the Terms of Service and the Consumer Protection Act, 2019. Where a material change reduces the features included in your existing subscription plan, you may contact Techsnap at [email protected] to discuss your options, including cancellation with a prorated refund for the reduced-feature period, which Techsnap will consider on a case-by-case basis.

If you believe your situation genuinely and specifically falls within one of the exceptional cases set out in Section 4 of this Refund Policy, you must submit a written refund request to Techsnap within seven (7) calendar days of the date of the original transaction to which the request relates. Refund requests submitted after this seven (7) day window will not be considered, except where a longer window is required by applicable mandatory law.

All refund requests must be submitted by email from your registered Techsnap account email address to:

Your refund request email must include all of the following information and documentation to be considered complete and eligible for review:

• your full name and the email address registered to your Techsnap account
• the Razorpay transaction ID or payment reference number for the transaction in question, as displayed in your payment confirmation email or Razorpay transaction receipt
• the exact date of the transaction and the amount charged
• the name of the subscription plan or product you purchased
• a clear, detailed, and specific description of the precise exceptional circumstance (as listed in Section 4) that you believe entitles you to a refund, supported by factual particulars
• all supporting documentary evidence, including without limitation: screenshots of the duplicate charge as reflected in your bank statement or Razorpay transaction history; screenshots or screen recordings demonstrating the platform failure that prevented service access; a reference number or copy of any formal complaint filed with Razorpay or your bank regarding an unauthorised transaction; and any other evidence directly relevant to the stated exceptional circumstance

Techsnap's support team will acknowledge your refund request within forty-eight (48) business hours of receipt and will complete its investigation within fifteen (15) business days of receiving a complete request with all required supporting documentation. Where additional information or documentation is required, we will notify you, and the investigation period will be extended by the number of days required to obtain such information.

Where a refund request is approved following investigation by Techsnap's support team, the approved refund will be processed as follows: (a) Techsnap will initiate the refund instruction to Razorpay within seven (7) to ten (10) business days of the date on which the approval decision is communicated to you; (b) Razorpay will process the refund to the original payment method used at the time of the purchase — credit card, debit card, net banking, UPI, or wallet; and (c) the time required for the refunded amount to appear in your account will depend on the processing timelines of Razorpay, your card issuer, your bank, your UPI provider, or your wallet provider, and typically ranges from two (2) to seven (7) additional business days after Razorpay processes the refund, though this timeline is outside Techsnap's control.

Refunds will only be issued to the original payment method used at the time of the purchase. Refunds will not be issued in cash, by cheque, or to a payment method different from the one used for the original transaction. If the original payment method is no longer available (for example, if a card has expired or an account has been closed), please inform Techsnap at the time of submitting your refund request and we will advise on the applicable process in accordance with Razorpay's capabilities.

Techsnap strongly encourages users to contact [email protected] before initiating a chargeback or payment dispute with their bank, card issuer, or UPI provider. Filing a chargeback without first contacting Techsnap may result in the immediate suspension of your account pending resolution of the dispute, irrespective of whether the chargeback is ultimately successful, and may jeopardise your ability to access any remaining subscription period.

Where a chargeback or payment dispute is filed against Techsnap in respect of a transaction that does not meet the criteria for an exceptional refund under Section 4 of this Refund Policy, Techsnap reserves the right to respond to such chargeback or dispute with all available evidence, including evidence of: (a) your acceptance of these Terms of Service and this Refund Policy at the time of purchase; (b) delivery of the purchased digital content or service access to your account; (c) your access to and use of the paid features following the transaction; and (d) any communications between you and the Techsnap support team regarding the transaction. Where a chargeback is determined by the relevant financial institution to have been filed in bad faith, Techsnap reserves all rights and remedies available under applicable law.

Nothing in this Refund Policy shall be construed to limit, exclude, modify, or waive any right or remedy available to you as a consumer under the Consumer Protection Act, 2019, the Consumer Protection (E-Commerce) Rules, 2020, or any other applicable provision of Indian law. If you are dissatisfied with Techsnap's decision on your refund request, or if you believe that your consumer rights have been violated, you may avail yourself of any of the following statutory consumer protection remedies available under Indian law:

• contact Techsnap's designated Grievance Officer at [email protected] — all grievances will be acknowledged within forty-eight (48) hours and resolved within thirty (30) days of receipt, in accordance with the Consumer Protection (E-Commerce) Rules, 2020
• lodge a complaint with the National Consumer Helpline (NCH) operated by the Government of India's Department of Consumer Affairs, accessible at consumerhelpline.gov.in or by calling 1800-11-4000
• file a complaint through the eDaakhil portal at edaakhil.nic.in, the online consumer complaint filing system operated by the Government of India
• approach the appropriate Consumer Disputes Redressal Forum or Consumer Disputes Redressal Commission constituted under the Consumer Protection Act, 2019, having jurisdiction over your place of residence or the location where the transaction occurred

Techsnap's Grievance Officer, reachable at [email protected], is responsible for overseeing compliance with this Refund Policy and for ensuring that consumer grievances are addressed in accordance with applicable law. All grievance responses will be provided in writing by email.

Techsnap reserves the right to revise, amend, or update this Refund Policy at any time and from time to time, to reflect changes in our Services, pricing structures, applicable law, regulatory guidance, or business practices. When material changes are made — including changes that affect user rights or the circumstances under which refunds are available — Techsnap will provide advance notice by displaying a prominent notice within the Platform and/or by sending a notification to registered users' email addresses, and by updating the "Last Updated" date at the top of this document. Your continued use of the Platform and purchase of Services after any such changes constitutes your acceptance of the revised Refund Policy.