REFUND POLICY
Global No Refund Policy
Effective: 25/02/2025
1. Core Policy
All payments for Shatranjana's chess coaching services (live classes, digital courses, camps) are non-refundable, except where legally mandated. However, in some cases, refunds can be issued.
2. Country-Specific Clauses
India
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Consumer Protection Act 2019: Refunds only for undelivered/defective services
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Digital Products: No refunds after access (IT Rules 2021)
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Processing Time: 7 working days (10% admin fee applies)
USA
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State Laws:
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CA: No cooling-off for educational services (CC §1689.5)
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NY: 3-day cancellation for unused services only
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Chargebacks: Will be contested with session logs
Singapore
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Consumer Protection (Fair Trading) Act: 7-day cooling-off for digital products only if unused
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Live Classes: No refunds after booking confirmation
Australia
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ACL Mandate: Refunds only if service not "fit for purpose"
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Digital Content: No refunds after download
UAE/Qatar
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Consumer Law: 14-day refund window for unused services only
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Islamic Finance Compliance: Refunds via original payment method
Canada
Provincial Laws:
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Ontario: 10-day cooling-off for camps/workshops
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Quebec: 7-day right to cancel first purchase only
New Zealand
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Consumer Guarantees Act: Refunds only for major defects
3. Limited Exceptions
Refund requests may be considered for:
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✅ Medical emergencies (with verifiable documentation)
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✅ Technical failures (72+ hours of inaccessible content)
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✅ Coach cancellations (credit issued instead)
Approved Refunds:
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10-15% processing fee (varies by country)
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Processed in 7-14 business days
4. How to Request
Email refunds@shatranjana.com] with:
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Invoice Number and service date
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Proof of eligibility (medical/technical)
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Country-specific payment details