Refund & Cancellation Policy

1. Scope of this policy

This Refund & Cancellation Policy applies to all paid programmes, courses, workshops and mentorship packages sold by WeTraders Institute through https://ciyindia.com or through direct enrolment with our team. It forms part of our Terms & Conditions.

It does not apply to free resources, free webinars or free community groups, for which no payment is made and therefore no refund arises.

2. The 7-day refund window

You may request a full refund of the fee you paid for a programme, provided that your written request reaches us within seven (7) calendar days of the date we received your payment, and provided that the conditions in Section 3 are met.

The seven-day period is counted from the date funds are credited to our account, not from the date the batch starts. If the seventh day falls on a Sunday or a public holiday, a request received on the next working day will be accepted.

3. When you are eligible

A refund will be approved where all of the following are true:

• your request is received within the 7-day window, in writing, from the email or phone number registered with us;
• you have accessed no more than 20% of the recorded course content for that programme;
• you have not attended any live session, one-to-one mentorship call or doubt-clearing session for that programme;
• you have not downloaded the paid downloadable materials (cheatsheets, journals, templates, worksheets or scanners) supplied with that programme; and
• you have not breached our Terms & Conditions — in particular the provisions on sharing credentials and on copying or redistributing course material.

You do not need to give a reason. We may ask for brief feedback so that we can improve, but providing it is entirely optional and does not affect your refund.

4. When you are not eligible

We will decline a refund where:

• the request is made after the 7-day window has closed;
• more than 20% of the course content has been accessed, or any live or mentorship session has been attended;
• the paid downloadable materials have been downloaded — because their value is delivered in full on download;
• the programme has already been completed, or a certificate has been issued;
• we find evidence of recording, screen-capturing, sharing or redistributing our material, or of sharing your access with another person;
• the enrolment was made using false information, or a refund is being sought repeatedly across multiple enrolments in a way that indicates misuse of this policy;
• you are dissatisfied because you did not make a profit from trading. We are an educational institute and, as stated throughout our Terms, we neither promise nor guarantee any trading outcome.

5. Non-refundable items

The following are non-refundable in all circumstances, except where we cancel (see Section 8):

• any non-refundable registration or seat-booking fee, where it was clearly described as such at the time of payment;
• one-to-one mentorship packages once the first session has taken place — the unused sessions may, at our discretion, be credited instead;
• programmes bought under a clearly-marked special offer, scholarship price, festive discount or bundle where the offer terms stated that it was final sale, and those terms were shown to you before payment;
• physical materials that have been dispatched, unless they arrive damaged or incorrect;
• bank charges, payment-channel fees, currency-conversion losses and any tax deducted at source.

Where a bundle is partly refundable, we will refund the bundle price less the standalone list price of the components you have already consumed.

6. How to request a refund

Send an email to support@ciyindia.com with the subject line “Refund request – [your name]”, including:

1. your full name, registered email address and mobile number;
2. the programme or batch name;
3. the date of payment, the amount paid, and the UPI transaction ID or bank reference number;
4. the name of the account holder and the bank account or UPI ID the refund should be sent to; and
5. a copy of the payment receipt or bank confirmation, if you have one.

Requests made only by WhatsApp or phone are not treated as formal requests, because we need a written record. If it is easier for you to message us, do so — but please follow it with an email so the 7-day clock is clearly evidenced.

7. How we process it and when you get the money

Refunds are made in Indian Rupees for the amount you actually paid. Where a tax invoice was issued, we will raise a credit note. Once a refund is processed, your access to the programme, its materials and any associated community group ends immediately, and the licence granted under our Terms terminates.

If we decline your request, we will tell you in writing which condition was not met and give you the underlying information we relied on, such as content-access records.

8. If we cancel or reschedule

• If we cancel a programme before it begins, or discontinue it partway through, you will receive a full refund of the fee for the undelivered portion — or, if you prefer, a credit towards another programme. This applies regardless of the 7-day window.
• If we reschedule a live session, we will give you reasonable notice and either run the session at the new time or provide a recording. Rescheduling alone does not create a right to a refund.
• If a trainer changes, the programme continues under a trainer of comparable experience. If the change is material to what was advertised to you, you may request a pro-rata refund within 7 days of being notified.
• Where we cancel, we bear any payment-channel charges.

9. Transfers, deferrals and pauses

If the timing does not work for you, a transfer is often better than a refund:

• Batch transfer — you may move to the next available batch of the same programme once, free of charge, if you ask before the batch is more than 25% complete.
• Deferral — in cases of medical emergency, bereavement or similar hardship, we will consider pausing your access and resuming it later. Please write to us with a short explanation.
• Transfer to another person — enrolments are personal and are not transferable to another individual.

10. Failed, duplicate or excess payments

If a payment fails but money leaves your account, it is usually reversed automatically by your bank within 5–7 working days. If it is not, send us the transaction reference and we will help you trace it.

If you pay twice for the same enrolment, or pay more than the stated fee, we will refund the excess in full within 7 working days of identifying or being told about it. The 7-day window does not apply to duplicate or excess payments.

11. Chargebacks and payment disputes

Please raise any concern with us first. Initiating a chargeback or a payment dispute without contacting us delays resolution for everyone and may result in suspension of your access while the dispute is open.

Where a chargeback is raised, we will provide the payment channel with our records, including enrolment confirmation, content-access logs and correspondence. Where a chargeback is decided in our favour and the claim was not made in good faith, we reserve the right to recover reasonable costs.

12. If you are unhappy with our decision

Write to our Grievance Officer (Arjun Sahu) at support@ciyindia.com, setting out why you believe the decision was wrong. We will acknowledge within 48 hours and give a final decision within 30 days.

Nothing in this policy limits your rights under the Consumer Protection Act, 2019. You may approach the National Consumer Helpline or the appropriate Consumer Disputes Redressal Commission. Any dispute not otherwise resolved is subject to the courts at Kharagpur, West Bengal, as set out in our Terms & Conditions.

13. Contact

Refund requests: support@ciyindia.com
Escalations (Grievance Officer — Arjun Sahu): support@ciyindia.com
Phone / WhatsApp: +91 75859 59653
WeTraders Institute, Inda South, Inda, Kharagpur, West Bengal 721305, India