Payment & Refund Policy - Acadion


Payment & Refund Policy

Effective Date: March 28, 2026

This Payment & Refund Policy describes how Acadion handles course purchases, payment processing via Razorpay, and refund requests. This policy is required for compliance with Razorpay's merchant guidelines and the Reserve Bank of India (RBI) directives.


1. About Our Payment Gateway — Razorpay

Acadion uses Razorpay as its sole payment gateway for processing all course purchases. Razorpay is a PCI-DSS Level 1 compliant payment service provider authorized by the Reserve Bank of India (RBI).

  • Business Entity: Razorpay Software Private Limited

  • Registered in: Bangalore, India

  • RBI Authorization: Payment Aggregator

  • PCI-DSS: Level 1 Certified

Razorpay's Terms: https://razorpay.com/terms/

Razorpay's Privacy Policy: https://razorpay.com/privacy/


2. Accepted Payment Methods

The following payment methods are supported via Razorpay:

  • UPI (Google Pay, PhonePe, Paytm, BHIM, etc.)

  • Credit Cards (Visa, Mastercard, RuPay, American Express)

  • Debit Cards (Visa, Mastercard, RuPay)

  • Net Banking (all major Indian banks)

  • Wallets (Paytm, Amazon Pay, etc.)

  • EMI (on supported cards, subject to bank approval)

All transactions are in Indian Rupees (INR).


3. Course Pricing

  • Course prices are clearly displayed on the Course Detail screen before purchase

  • Prices include applicable Goods and Services Tax (GST) where applicable

  • We reserve the right to change prices at any time; changes do not affect already-purchased courses

  • Promotional discounts, if any, are applied at checkout and cannot be combined unless stated


4. Purchase Process

To purchase a course:

  • Tap the 'Buy Now' or 'Enroll' button on the Course Detail screen

  • You will be redirected to the Razorpay secure checkout

  • Complete your payment using your preferred payment method

  • Upon successful payment, course access is granted immediately

  • A payment confirmation notification will be sent to your registered phone/email

Your purchase record (Payment ID, Course ID, Amount, Timestamp) is stored securely in our database.


5. Payment Security

  • All payment data is transmitted over HTTPS/TLS encrypted connections

  • Acadion does NOT store card numbers, CVV, UPI PIN, or any sensitive payment credentials

  • Razorpay handles all sensitive financial data in their PCI-DSS compliant environment

  • Payments are authenticated via Razorpay's 3D Secure and OTP verification where required


6. Failed & Pending Transactions

6.1 Payment Failure

If your payment fails:

  • Your account will NOT be charged (or the charge will be auto-reversed within 5–7 business days)

  • You will see a failure message in the App

  • Try again with a different payment method or contact your bank

6.2 Payment Deducted but Course Not Activated

In rare cases, a payment may be deducted but course access may not be granted immediately due to network issues. If this happens:

  • Wait 15–30 minutes and refresh the App

  • If the issue persists, contact us at saburu85@gmail.com with your Razorpay Payment ID

  • We will verify the transaction and activate your course within 24 hours

6.3 Duplicate Transactions

If you are charged twice for the same course, contact us immediately with both Payment IDs. We will refund the duplicate transaction within 7 business days.


7. Refund Policy

7.1 Eligibility for Refund

Refunds may be issued in the following circumstances:

  • Request made within 7 days of purchase

  • Less than 20% of the course content has been accessed

  • Technical issues on our end prevent you from accessing the course content

  • Accidental duplicate purchase of the same course

7.2 Non-Refundable Cases

Refunds will NOT be issued for:

  • Change of mind after accessing more than 20% of course content

  • Live class sessions already attended

  • Requests made after 7 days of purchase

  • Violations of our Terms of Service

  • Inability to use the App due to device incompatibility known at time of purchase

7.3 How to Request a Refund

To request a refund:

  • Email us at saburu85@gmail.com with Subject: 'Refund Request – [Your Name] – [Course Name]'

  • Include: Your registered phone/email, Razorpay Payment ID, reason for refund

  • Our team will review and respond within 3 business days

  • Approved refunds are processed within 7–10 business days to the original payment method

7.4 Refund Processing

  • Refunds are initiated via Razorpay to your original payment method

  • UPI/Bank Transfer refunds: 3–5 business days

  • Credit/Debit Card refunds: 5–10 business days (depending on your bank)

  • Wallet refunds: 1–3 business days

Note: Razorpay's payment processing fees (if any) are non-refundable.


8. GST & Tax Invoice

  • GST is included in displayed course prices where applicable

  • Tax receipts/invoices are available on request via email

  • Contact saburu85@gmail.com with your Payment ID to request a GST invoice


9. Dispute Resolution

If you have a dispute regarding a payment:

  • First, contact us at saburu85@gmail.com — most issues are resolved within 48 hours

  • If unresolved, you may raise a dispute directly with Razorpay through your bank

  • For credit/debit card disputes, contact your card issuer directly

We are committed to resolving all payment disputes fairly and promptly.


10. RBI Guidelines Compliance

Acadion, through Razorpay, complies with all applicable RBI directives including:

  • RBI Guidelines on Payment Aggregators and Payment Gateways (March 2020)

  • Data localisation requirements for payment data

  • Recurring payment mandates (if applicable) with explicit user consent


11. Changes to This Policy

We may update this policy to reflect changes in our payment practices or regulatory requirements. Users will be notified of significant changes via in-app notification.


Contact Us

If you have any questions about this policy, please contact us:

  • App: Acadion

  • Email: saburu85@gmail.com

  • Location: Assam, India

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