Refund Policy

1. Overview

At Sparq Academy, operated by Sparq IT Services (India), we stand behind the quality of our execution frameworks. This policy sets out when a purchase is refundable and how a refund is processed, in line with RBI guidelines on digital payments and consumer protection norms applicable in India.

Different rules apply to each of our three offerings, so read the section that matches what you bought:

• Section 2–5 — online courses and bundles (one-time purchase).
• Section 6 — membership subscriptions (recurring).
• Section 7 — offline coaching programmes (in-person batches).

2. Online Courses — 7-Day Satisfaction Guarantee

We offer a 7-day refund window from the date of purchase for our online courses, bundles, and execution frameworks. If you genuinely feel the content does not match the description provided on the course page, you may submit a refund request within this period.

This guarantee reflects our confidence in the quality of our frameworks. It is not intended to be a mechanism for accessing content for free.

3. Online Courses — Eligibility Criteria

To qualify for a refund, all of the following conditions must be met:

• The refund request is submitted within 7 calendar days of the original transaction date.
• You have consumed less than 20% of the course content, as verified by our progress tracking system.
• You provide a valid, substantive reason for the refund (for example, content mismatch or technical inaccessibility). A vague reason such as "I changed my mind" will not be accepted.
• Your account has not violated any provision of our Terms of Service.

For a bundle, the 20% threshold is measured across the bundle as a whole, and refunds are issued for the bundle as a whole — individual courses within a bundle cannot be refunded separately.

4. Online Courses — Non-Refundable Cases

Refunds will not be issued in the following circumstances:

• The 7-day window has elapsed.
• More than 20% of the course content has been accessed.
• The account was terminated due to violation of our Terms of Service (for example account sharing, piracy, or fraud).
• The purchase was made during a promotional or discounted sale, where that promotion states it is final-sale. Promotions that do not say so remain refundable under Section 3.
• The request is a repeat refund claim on the same account (one refund per customer lifetime, regardless of the number of purchases).
• The refund reason does not meet our substantive review criteria.

5. How to Request a Refund

To initiate a refund request:

• Email us at support@sparqacademy.in with the subject line "Refund Request — [Your Order/Transaction ID]".
• Include your registered email address, the course or programme name, your Razorpay Transaction ID (for online purchases) or receipt number (for coaching), and your reason for requesting a refund.
• Our team will review your request within 3 business days and respond with an approval or a reasoned rejection.

6. Membership Subscriptions

Membership plans are recurring and can be cancelled at any time. The following applies:

• Cancelling stops future renewals. You keep access until the end of the billing period you have already paid for.
• Part-used billing periods are not refunded, and annual plans are not refunded pro-rata after the first 7 days.
• First-time subscribers may request a full refund within 7 days of the very first payment on the plan, provided less than 20% of any single course has been consumed in that period.
• Renewal charges are notified in advance by Razorpay under RBI e-mandate rules. If you were charged for a renewal you had already cancelled, report it within 7 days and we will refund that charge in full.
• Courses you purchased outright are unaffected by a subscription refund or cancellation.

7. Offline Coaching Programmes

Offline batches are capped at a very small number of seats. A seat you hold is a seat no one else can take, and trainer time is committed in advance — so coaching refunds work on a sliding scale rather than a flat window.

• Before the batch starts: full refund of fees paid, less an administration charge of 10% of the programme fee, if you withdraw at least 7 days before the batch start date. Within 7 days of the start date, the administration charge is 25%.
• Within the first two sessions: 50% of the programme fee is refunded.
• After the second session: no refund is payable, as the seat cannot be reallocated and the material has been delivered.
• If we cancel the batch or fail to start it, you receive a 100% refund of everything paid, or a free transfer to the next batch — your choice.
• Batch transfer: you may request a one-time transfer to a later batch of the same programme before the third session, subject to seat availability, at no extra charge.
• Removal for misconduct under our Terms of Service carries no refund.
• Where fees are being paid in instalments, a refund is calculated on the amount actually received, and any outstanding instalment for a delivered period remains payable.

The written admission confirmation you receive at the time of enrolment records your batch, fee, and payment schedule, and applies alongside this policy.

8. Processing Time

Approved refunds are returned to your original payment method — through Razorpay for online purchases, or by bank transfer to the account fees were paid from for offline coaching. Processing timelines are as follows:

• Credit/Debit Cards: 5–7 business days after approval.
• UPI/Net Banking: 3–5 business days after approval.
• Wallets (Paytm, PhonePe, etc.): 1–3 business days after approval.
• EMI payments: refunds are credited to the card used; your bank or NBFC will adjust the EMI schedule. This may take up to 10–15 business days.
• Offline coaching (bank transfer): initiated within 7 business days of approval.

Razorpay-processed refunds are subject to RBI settlement timelines. Sparq IT Services (India) is not responsible for delays caused by your bank after the refund is initiated.

9. Failed or Duplicate Transactions

If your payment failed but your bank or card was debited, or if you were charged twice for the same transaction, report this within 48 hours to support@sparqacademy.in with your transaction details. We will coordinate with Razorpay to resolve it as a priority within 5 business days.

RBI rules require failed-transaction auto-reversals within 5 business days for most payment modes. If you have not received an auto-reversal within this period, please contact us.

A duplicate or failed-transaction reversal is not a refund and does not count against the one-refund-per-customer limit in Section 4.

10. GST on Refunds

Prices displayed are inclusive of GST. Where a refund is approved, it is calculated on the full amount you actually paid, inclusive of the GST component, and we account for the tax adjustment by issuing a credit note under Section 34 of the CGST Act, 2017. Payment gateway charges are borne by us and are not deducted from your refund.

11. Questions

If anything in this policy is unclear before you buy, ask us first at support@sparqacademy.in. We would rather answer a question than process a refund.