Cancellation and Refund Policy

CosmiCode | Effective date: [to be confirmed] | Version: 1.0

This policy applies to purchases from [to be confirmed], trading as CosmiCode, through www.mycosmicode.com. It covers live consultations and the live courses described on our website. Our launch policy does not impose a separate cancellation or administration penalty. The terms shown when you pay are retained with your booking; later changes do not retrospectively reduce those rights.

1. Consultations

Cancellation before the session begins. You may cancel an unstarted consultation for a full refund. Please give at least 24 hours’ notice where possible so that the time can be offered to someone else. This notice is a courtesy request, not a condition that removes your right to the stated refund.

Rescheduling. You may move an unstarted appointment to an available slot without a rescheduling fee. Please contact us as early as possible. We will agree the replacement date with you rather than silently changing it.

Late arrival or missed appointment. We will try to contact you through your agreed channel. If the full booked duration cannot reasonably be provided, we will offer a replacement slot or refund the undelivered portion. A missed appointment does not automatically forfeit the entire fee. You may request one free replacement within 30 days; a refund for undelivered service remains an alternative. The 30-day rebooking window does not extinguish statutory claims.

After delivery begins. For a voluntary early stop, we may retain the proportion attributable to the service actually delivered and refund the unused portion. A completed, properly described consultation is not refundable solely because you hoped for a different interpretation or outcome. This does not restrict remedies for deficient, misrepresented or undelivered services.

2. Live courses

Before teaching begins. Cancellation before your first substantive teaching session receives a full refund. An administrative orientation or scheduling call does not by itself count as delivery of the course.

After teaching begins. You may withdraw and request a proportionate refund for undelivered teaching. Unless a more favourable calculation was disclosed at purchase, the calculation is:

Refund = course fee actually paid × undelivered scheduled teaching minutes ÷ total scheduled teaching minutes.

Classes already delivered or made available at an agreed group schedule and missed by you are normally treated as delivered. Classes cancelled by us are not. Any individually agreed change to the schedule is taken into account. We do not add an undisclosed deduction for downloadable notes, “registration”, payment processing or administration.

No separately priced instant-access recorded-content package is included in this launch policy. If such a product is introduced, its access and cancellation terms must be disclosed before purchase; it cannot be added retrospectively to reduce an existing refund.

3. When we cannot deliver

If we cancel a consultation or cannot provide the service as described, you may choose a suitable replacement or a full refund for the undelivered service. For a partly delivered course that we discontinue, we refund the undelivered portion, without affecting any greater remedy required by law.

If a material change to the teacher, format, batch or timing makes the undelivered service unsuitable, you may decline the change and request the relevant refund. You are not required to accept store credit instead of a refund.

If payment succeeds but the calendar or booking process fails, we preserve the payment record and help complete the booking. If a mutually suitable appointment cannot be agreed, you may request a full refund for the unprovided service. Do not pay again simply because a confirmation screen did not appear.

4. Duplicate, failed and disputed payments

A verified duplicate payment is refunded. A debit shown by your bank is not always a completed merchant payment. Where we have not received the money, we help identify the transaction and direct you to the provider or bank’s reversal process; we do not claim to refund funds we never received.

Notify us promptly of an unauthorised or disputed transaction. Nothing in this policy prevents contacting your bank, payment provider, consumer authority or another competent forum. We do not impose a short complaint deadline that overrides legal rights.

5. How to request a refund

Email connect@mycosmicode.com, use the booking support form, or contact [to be confirmed]. Give your name, booking reference, service/course, payment reference and a brief explanation. Do not send your UPI PIN, OTP, banking password or card security details.

We acknowledge complaints within 48 hours. For an ordinary refund request with sufficient information, our service commitment is a decision within 3 business days and initiation of an approved refund within 5 business days after approval. Complex disputes are explained and tracked; consumer grievances are addressed within one month, or sooner where the applicable law requires it.

6. Refund method and banking time

Razorpay payments are refunded through the original payment route to the original payment method wherever supported. After initiation, normal refunds typically take 7–10 business days to appear, depending on the bank and payment method. We provide the available refund reference and investigate delays. An initiation message is not a guarantee that your bank has already credited the money.

If an expressly offered manual UPI payment was used, the refund is made to the verified original payer/source where possible. Where the original route cannot receive it, an alternative is agreed only after proportionate identity and transaction checks. We never require an additional payment, OTP or UPI PIN to release a refund.

We do not deduct a separate gateway or administration fee from a refund described here as “full”. Any tax adjustment is handled consistently with the original invoice and applicable requirements. We will not make two refunds for the same transaction; an active bank dispute and merchant refund are reconciled to prevent duplicate repayment.

Business days means Monday to Friday, excluding applicable Indian banking/public holidays. All appointment times are displayed with their timezone; CosmiCode’s operating timezone is Asia/Kolkata.

7. Your rights and escalation

This policy adds our commercial commitments; it does not exclude mandatory consumer rights, remedies for misrepresentation or service deficiency, or access to a competent authority.

Grievance officer: [to be confirmed]
Email: [to be confirmed]
Business address: [to be confirmed]