Cancellation and Refund Policy

Effective Date: 29 August 2026

Thank you for choosing Banking Academy. Please read this Cancellation and Refund Policy carefully before purchasing any courseware, e-book, study guide, case-study collection, interview-preparation material, recorded course or other digital learning product from www.banking-academy.com.

1. No Cancellation

All purchases made through Banking Academy are final.

Once an order has been placed and payment has been successfully completed, the order cannot be cancelled. Customers are therefore requested to carefully review the following before making payment:

• Product title and description.

• Subject and contents covered.

• Intended audience.

• Product format.

• Language of the material.

• Whether the product is downloadable, recorded, online or instructor-led.

• System or software requirements.

• Price and applicable taxes.

• Access period, where applicable.

• Sample pages, previews or demonstrations made available.

• Any other product-specific conditions.

Please carefully select the courseware that meets your learning requirements before completing the purchase.

2. No Refund

Banking Academy provides digital educational products that may be delivered or made accessible immediately after payment.

Due to the nature of digital products, all successfully completed purchases are non-refundable. No refund will ordinarily be provided after:

• A digital product has been purchased.

• A download link has been generated or sent.

• An e-book or learning material has been delivered.

• Course access has been activated.

• Recorded content has been made available.

• Access credentials have been issued.

• An instructor-led program has commenced.

• The customer has accessed, viewed or downloaded any part of the purchased product.

Customers should make an informed decision before making payment.

3. Change of Mind

No refund, cancellation, exchange or credit will be provided where:

• The customer changes their mind after purchase.

• The customer no longer wishes to use the product.

• The product was purchased by mistake.

• The customer selected the wrong courseware or product.

• The customer did not read the product description before purchasing.

• The customer expected content or services that were not included in the published description.

• The customer did not download or access the delivered material.

• The customer is unable to complete the course due to personal or professional reasons.

• The same or similar subject is available elsewhere at a different price.

• A promotional price or discount becomes available after the purchase.

4. Suitability of Courseware

Banking Academy offers educational materials for different categories of learners, including freshers, banking professionals, job seekers, interview candidates and experienced professionals.

Customers are responsible for determining whether a particular product is suitable for their:

• Educational background.

• Professional experience.

• Career objectives.

• Learning requirements.

• Technical knowledge.

• Preferred learning format.

Differences in individual expectations, learning styles, existing knowledge or professional requirements will not constitute grounds for a cancellation or refund.

5. No Guarantee of Results

Banking Academy’s products are intended for educational and professional-development purposes.

Purchasing or completing a product does not guarantee:

• Employment or job placement.

• An interview call.

• Selection in an interview.

• Promotion or salary increase.

• Success in an examination.

• Professional certification.

• Admission to an institution.

• Acceptance by an employer, bank or regulatory body.

• Any specific career, financial or professional result.

Dissatisfaction arising solely because a desired career or educational outcome was not achieved will not qualify for a refund.

6. Duplicate Payments

If the same customer is charged more than once for the same order because of a technical or payment-processing error, the additional verified payment may be refunded.

The customer must report the duplicate payment within seven days of the transaction and provide:

• Full name.

• Registered email address.

• Mobile number.

• Product purchased.

• Transaction reference numbers.

• Payment dates and amounts.

• Relevant bank statement or payment confirmation.

The request will be reviewed against Banking Academy’s payment records. Any confirmed duplicate amount will be returned through the original payment method, wherever possible.

A separate purchase of the same product made through a new and successfully completed order will not automatically be treated as a duplicate payment.

7. Payment Debited but Order Not Confirmed

In some cases, a customer’s bank account may show a debit even though the transaction is not confirmed by the payment gateway.

Such transactions may be automatically reversed by the customer’s bank or payment provider. The reversal timeline is controlled by the relevant bank or payment gateway.

If the amount is successfully received by Banking Academy but the product is not delivered, Banking Academy will first make reasonable efforts to verify the payment and deliver the purchased product.

A refund will be considered only if:

• The payment is confirmed as received by Banking Academy.

• The product has not been delivered or accessed.

• Banking Academy is unable to provide the purchased product within a reasonable period.

8. Non-Delivery of a Digital Product

Failure to receive an email does not automatically qualify for a refund. Customers should first:

• Check spam, junk and promotional folders.

• Confirm that the email address entered during purchase was correct.

• Verify that the mailbox has sufficient storage.

• Check whether the payment was successfully completed.

• Contact Banking Academy for assistance.

Where payment is confirmed but the product or access instructions have not been received, Banking Academy will make reasonable efforts to resend the product, correct the email address or provide an alternative access method.

A refund may be considered only if Banking Academy is unable to deliver or provide access to the purchased product after being given a reasonable opportunity to resolve the issue.

9. Download and Compatibility Issues

Customers are responsible for using a compatible device, browser, internet connection and software required to open the purchased materials.

A refund will not be provided merely because:

• The customer’s device has insufficient storage.

• The customer does not have a suitable PDF reader or media application.

• The customer’s internet connection is slow or unavailable.

• The customer’s employer or network restricts downloads.

• The customer loses a downloaded file.

• The customer’s email provider blocks or filters a message.

• The product does not display correctly because of unsupported or outdated software.

Banking Academy may provide reasonable assistance or resend the product where technically possible.

10. Damaged or Inaccessible Files

If a delivered file is corrupted, incomplete or cannot be opened due to a problem with the file supplied by Banking Academy, the customer should report the issue promptly.

Banking Academy will first attempt to:

• Replace the file.

• Provide a corrected version.

• Resend the download link.

• Provide access through an alternative delivery method.

A refund will not be provided if a working replacement or alternative access method is supplied within a reasonable period.

11. Instructor-Led Programs

Where Banking Academy cancels an instructor-led program and does not provide a rescheduled session or reasonable alternative, the customer may be offered:

• Transfer to another available program.

• Credit toward another Banking Academy product.

• Refund of the amount paid for the cancelled program.

A participant who voluntarily withdraws, fails to attend, joins late or cannot participate for personal, professional or technical reasons will not ordinarily be entitled to a cancellation or refund.

12. Promotional and Bundled Products

Products purchased through a discount, promotional offer or bundle are also governed by this no-cancellation and no-refund policy.

Individual components of a bundle cannot be:

• Cancelled separately.

• Returned separately.

• Exchanged for another product.

• Partially refunded.

Free products, samples, bonus materials and complimentary access have no refundable monetary value.

13. Unauthorized Payments

If you believe that a payment was made without your authorization, contact your bank or payment provider immediately and inform Banking Academy with the relevant transaction details.

Banking Academy may temporarily suspend product access while the matter is investigated.

Claims of unauthorized payment must not be used to obtain a product and later avoid payment. Banking Academy reserves the right to submit order, delivery, download, login and communication records to the relevant payment provider or authority when responding to a payment dispute.

14. Refund Processing

Where a refund is approved under one of the limited exceptions stated in this policy:

• The refund will ordinarily be processed through the original payment method.

• Banking Academy may require verification of the customer and transaction.

• Payment-gateway, bank and currency-conversion timelines may apply.

• The time taken for the amount to appear in the customer’s account is controlled by the relevant bank or payment provider.

• Any charges imposed directly by a bank, card issuer or payment provider may not be refundable by Banking Academy.

• An approved refund does not take effect until it has been processed through the relevant payment system.

15. How to Report a Payment or Delivery Issue

A request concerning duplicate payment, payment confirmation, damaged files or complete non-delivery should be submitted within seven days of the transaction.

Please provide:

• Customer’s full name.

• Registered email address.

• Mobile number.

• Product or courseware purchased.

• Order or invoice number.

• Transaction reference number.

• Date and amount of payment.

• Screenshot or evidence of payment.

• Clear description of the issue.

Incomplete requests may take longer to verify.

16. Statutory Rights

This policy does not exclude, restrict or override any right or remedy that cannot lawfully be excluded under applicable consumer-protection law.

Where applicable law requires a cancellation, replacement, refund or other remedy in a particular circumstance, Banking Academy will comply with that legal requirement.

17. Acceptance of This Policy

By completing a purchase, the customer confirms that:

• The product description has been reviewed.

• The selected courseware meets the customer’s requirements.

• The digital nature of the product is understood.

• The no-cancellation and no-refund conditions have been read and accepted.

• Immediate electronic delivery or activation of access has been requested.

• No particular employment, interview, examination or career result has been promised.

18. Contact Information

For payment verification, duplicate-payment claims, delivery issues or questions about this policy, please contact:

Banking Academy
Owner and Proprietor: T. Gururaja
Website: www.banking-academy.com
Email: info@banking-academy.com