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Refund & Cancellation Policy

Fair, transparent and simple

Effective Date: 1 January 2026  ·  Last Updated: 5 June 2026  ·  Jurisdiction: Thrissur, Kerala, India

At Grow With Joshi, we want you to be completely satisfied with your purchase. This Refund Policy outlines when refunds are available and how to request one. We comply with the Indian Consumer Protection Act 2019 for digital products and services.

✅
Eligible for Refund
Technical failure on our side · Duplicate payment · Session cancelled by us
⚠️
Case by Case
Request within 24 hours of purchase · Before course access granted
❌
Not Eligible
After course access is granted · After webinar attended · Change of mind after download

1. Free Services

Our free webinars, YouTube videos, WhatsApp channel updates and PDF resources are provided at no cost. No refund request is applicable for free services.

2. Paid Courses — Refund Policy

When refunds ARE available:

  • Technical failure by us: If course access was not provided within 48 hours after confirmed payment, you are entitled to a full refund
  • Duplicate payment: If you were charged twice for the same course, the duplicate charge will be fully refunded
  • Course cancelled by us: If we cancel a scheduled cohort or live session, you will receive a full refund or option to transfer to the next available session
  • Request within 24 hours of purchase, before access granted: If you contact us within 24 hours of payment and before we have shared course access, we will process a refund at our discretion

When refunds are NOT available:

  • After course access (Zoom links, recordings, materials) has been shared with you
  • After attending any session of the course
  • Change of mind after course access is granted
  • Inability to attend due to personal schedule conflicts or internet issues on the learner's side
  • Dissatisfaction with course content after access has been granted (we encourage you to attend the free webinar first to judge the teaching style)

3. One-on-One Coaching Sessions

  • Cancellation 24+ hours before session: Full refund or reschedule
  • Cancellation less than 24 hours before session: No refund; reschedule offered once
  • No-show without notice: No refund
  • Session cancelled by Joshi: Full refund or reschedule

4. How to Request a Refund

Contact us within the eligible timeframe using any of these methods:

We will respond within 2 working days. Approved refunds will be processed to the original payment method within 5-7 working days.

5. Our Commitment

We want every Malayalee learner to feel confident spending their money with us. That is why we offer a free webinar before every paid course — so you can experience our teaching style before committing. We will always handle refund requests with fairness and respect.

6. Contact