CANCELLATION, REFUND & ACADEMIC DISCLAIMER POLICY

Effective Date: October 26, 2026

Last Updated: October 26, 2026

Website: https://sridharinsights.com

Platform Owner: Sridhar Insights

Governing Laws: Information Technology Act, 2000; Bharatiya Sakshya Adhiniyam, 2023 (BSA); Consumer Protection Act, 2019; and Consumer Protection (E-Commerce) Rules, 2020.

1. Scope, Jurisdiction & Cross-Border Transactions (Foreign Clients / Customers)

This policy governs all digital commercial transactions, subscriptions, and access privileges executed on [https://sridharinsights.com](https://sridharinsights.com) by both domestic consumers (within India) and international/foreign clients, students, and institutional researchers globally.

  • Governing Law & Exclusive Forum: All commercial relationships, digital access contracts, and payment obligations are executed under the statutory laws of the Republic of India. Regardless of where you access this site from, you agree that any dispute, claim, or legal action arising out of or related to this portal shall fall strictly under the exclusive territorial and subject-matter jurisdiction of the competent courts in Hyderabad, Telangana, India, to the express exclusion of all other domestic or international courts, tribunals, or dispute forums.
  • Foreign Currency & Cross-Border Invoicing: Payments originating outside India are processed via international gateway channels in supported currencies (USD, EUR, GBP, etc.) or INR equivalent. Currency conversion fluctuations, cross-border handling fees, foreign exchange markups, or international banking service surcharges levied by the purchaser’s issuing bank/intermediary are strictly non-refundable and outside the control of Sridhar Insights.
  • Waiver of Extraterritorial Consumer Statutes: International users acknowledge that cross-border digital transactions are governed by Indian consumer contracts under the Consumer Protection (E-Commerce) Rules, 2020. Users waive any statutory rights to mandatory automatic “cooling-off” cancellation windows under foreign consumer frameworks (such as EU Distance Selling Directives / UK Consumer Contracts Regulations) to the extent permissible by law, due to the immediate, automated provisioning and digital download delivery of our academic assets upon transaction settlement.

2. Strict Academic & Educational-Only Disclaimer (No Exam Guarantee)

All materials—including downloadable PDF notes, Bare Act comparative frameworks, solved test paper analyses, audio lectures, recorded video modules, and computer-based online mock tests—are produced solely for supplemental academic research, peer study, and educational elucidation.

  • No Guarantee of Passing, Clearing, or Ranking: Sridhar Insights provides educational study materials to assist self-preparation. There is absolutely no express or implied warranty, representation, or guarantee that purchasing or utilizing these materials will ensure passing, clearing, securing minimum cutoff marks, or achieving a top rank in the All India Bar Examination (AIBE), State Bar Council enrollments, judicial services tests, LL.B./LL.M. university examinations, departmental examinations, or any competitive assessment. Examination outcomes depend on individual student preparation, independent cognitive effort, syllabus shifts, and subjective grading by examining boards.
  • No Reliance for Examination Disputes: Sridhar Insights assumes no liability if an examining body modifies a model answer key, disputes a statutory interpretation, or cancels a question. Our 5-point analytical keys and statutory notes reflect academic commentary and do not constitute official keys of the Bar Council of India, state universities, or testing authorities.

3. Absolute Disclaimer of Legal Advice & Non-Use in Formal Legal Remedies

  • No Formal Legal Advice: The content across this portal, whether free or paid (PDFs, audiovisual guides, flowcharts, or commentary), does not constitute legal counsel, formal advocacy, statutory certification, or professional attorney-client advice.
  • Strict Prohibition on Use as a Legal Remedy: None of the materials provided on this platform may be cited, relied upon, or submitted as formal evidence, pleading material, precedent, or procedural justification in any judicial, quasi-judicial, administrative, arbitration, or regulatory proceedings.
  • No Fiduciary / Attorney-Client Privilege: Accessing or purchasing materials on [https://sridharinsights.com](https://sridharinsights.com) does not establish an advocate-client relationship under the Advocates Act, 1961 or create any fiduciary obligation between Sridhar Insights (or its authors) and the user. Individuals requiring actionable legal assistance must consult a licensed advocate or statutory legal authority in their respective jurisdiction.

4. Non-Tangible Digital Products & “All Sales Final” Doctrine

Sridhar Insights deals exclusively in intangible, non-tangible digital deliverables:

  1. Instantly downloadable PDF revision files, charts, compendiums, and digital mind maps.
  2. Digital audio lectures and pre-recorded instructional videos.
  3. Access rights to timed online mock tests, sectional examination palettes, and question banks.

Because digital files cannot be physically returned, recalled, inspected, or unread once delivered, all purchases are final, non-cancellable, and strictly non-refundable under the Consumer Protection (E-Commerce) Rules, 2020, once transaction confirmation has occurred.

5. Legally Defined Exceptions Eligible for Refund

A refund or administrative resolution will only be entertained under the following verified technical conditions:

A. Verified Duplicate Deduction (Double Billing)

If your payment method (UPI, Debit/Credit Card, Net Banking, or International Card) was charged multiple times for the identical digital item due to a network latency issue, server timeout, or gateway malfunction:

  • You must notify our support desk within 48 hours of the transaction.
  • Following automated verification via payment gateway settlement logs, the surplus payment will be reversed to the original payment source.

B. Total Technical Delivery Failure

If your transaction was completed and debited, but:

  1. The automated server failed to dispatch the digital file access or download URL, and
  2. The product is inaccessible within your registered user account dashboard, and
  3. Our technical desk fails to provide manual access or file delivery within 48 hours of receiving written notice from the user.

C. Irreparable File Corruption

If the downloaded digital asset (PDF, audio, or video) is demonstrably corrupt (e.g., damaged file binary, unreadable internal encoding, or missing substantive modules) and our technical desk is unable to provide an intact, functional replacement copy within 48 hours of written notification.

6. Non-Refundable Circumstances (Explicit Exclusions)

Refund claims will be rejected under any of the following circumstances:

  • Subjective Dissatisfaction: Dissatisfaction with typography, formatting, layout, academic perspective, author opinions, syllabus scope, or personal change of mind.
  • Selection Error: Purchasing the incorrect subject, selecting the wrong optional paper, or ordering duplicate products due to purchaser error.
  • Client-Side Hardware/Software Defects: Inability of the purchaser’s device, operating system, or software (e.g., outdated Adobe Reader, missing media codecs, un-updated browsers, or ISP bandwidth limitations) to download, open, or play standard electronic files.
  • Exam Failure or Academic Disappointment: Disappointment with examination results, poor score performance, or failure to pass an examination.
  • Infringement & Account Termination: If access is suspended or revoked due to attempts to reverse-engineer, mass-scrape, share credentials, bypass digital rights controls, or distribute copyrighted materials publicly.
  • Promotional & Discounted Assets: Any digital asset, subject PDF, or course bought during promotional sales, bundled offers, or at discounted pricing (e.g., special promotional prices of ₹149/- or lower) is completely exempt from refund eligibility.

7. Evidentiary Standards & Transaction Verification (Condition Precedent)

In compliance with Section 63 of the Bharatiya Sakshya Adhiniyam, 2023 (BSA) (governing the admissibility of electronic records, formerly Section 65B of the Indian Evidence Act, 1872) and payment gateway audit requirements, the submission of a refund claim requires documentary verification:

  1. Submission Window: All formal grievance notices must be submitted via email to sridhar@sridharinsights.com within 5 business days of the transaction date.
  2. Mandatory Evidentiary Package: The claimant must provide an authenticated electronic record containing:
    • Unique Payment Gateway Reference/Transaction ID (e.g., Razorpay/Instamojo Payment ID).
    • Registered Email Address and Full Legal Name of the purchaser.
    • Date, timestamp, and transactional currency amount.
    • Uncropped, unedited screenshots or screen-capture recordings establishing the technical delivery failure or duplicate bank debit statement.
  3. Settlement Timelines:
    • Validated claims will be evaluated by our administrative desk within 3 business days.
    • If a refund is authorized, it will be executed strictly to the original payment instrument / source account in compliance with Reserve Bank of India (RBI) directives.
    • Standard banking reversal cycles take 5 to 7 business days (or 7 to 14 business days for international cross-border card transactions) to reflect on your statement.

8. Statutory Compliance, Severability & Policy Updates

  • Doctrine of Severability: If any clause, provision, or disclaimer in this policy is declared invalid, illegal, or unenforceable by an Indian court of competent jurisdiction, that specific provision shall be limited or severed to the minimum extent necessary, and all remaining clauses shall remain in full force and legal effect.
  • Unilateral Modification Right: Sridhar Insights reserves the right to amend, update, or revise this Cancellation, Refund & Academic Disclaimer Policy at any time to reflect statutory amendments, regulatory directions, or system modifications. The updated policy takes effect immediately upon publication on this page. Continued access or purchase of platform assets constitutes binding agreement with the current terms.

9. Nodal Grievance & Administrative Contact

In accordance with Rule 5(9) of the Consumer Protection (E-Commerce) Rules, 2020, the administrative details for customer grievances, transactional inquiries, or access verification are:

  • Platform Name: Sridhar Insights
  • Primary URL: https://sridharinsights.com
  • Grievance Officer / Administrator: Sridhar Insights Grievance Cell
  • Support Email: sridhar@sridharinsights.com
  • Registered Administrative Operations: Hyderabad, Telangana, India
  • Operating Hours: Monday to Saturday, 10:00 AM – 6:00 PM IST (Indian Standard Time; UTC+05:30)