Refund & Cancellation Policy

1. Scope of this policy

This policy applies to purchases made from Equigenius Services through equigeniusservices.com or an authorized enrollment or payment link for our educational programs, recorded courses, live workshops and related services.

The product page, checkout, payment confirmation and any written cohort-specific offer should be read together with this policy. If a specific offer contains a different term, the term will be considered subject to applicable law and any consumer rights that cannot lawfully be excluded.

2. General non-refund policy for recorded courses

All recorded-course and digital-learning-material purchases are generally final and non-refundable once access has been provided or activated. Before paying, please review the course description, syllabus, format, access period, included materials and total price. The access period stated on the selected offer and confirmed at purchase applies.

Once access has been provided, we do not normally refund course fees because a learner changes their mind, decides the course is not suitable after purchase, has limited time, does not log in, does not watch the lessons, does not complete assignments, or does not achieve a particular job, salary, interview, investment or other personal outcome.

This general non-refund policy does not remove any consumer right or remedy that cannot lawfully be excluded, and does not override a more favourable written refund commitment expressly made for a specific purchase.

3. Live workshops and cohort-based programs

Before enrolling in a live workshop or cohort, check the advertised dates, times, session format, number of sessions, attendance expectations, recording availability (if included) and fee.

Live-program fees are generally non-refundable once joining instructions or access have been provided, or once the live program has started. A change of mind, schedule conflict, missed session, non-attendance or failure to use the included materials does not by itself qualify for a refund. Please check your availability carefully before enrolling.

• If you cannot attend, contact us as soon as practical. A missed session does not automatically entitle you to a refund, transfer or recording unless the specific offer or applicable law provides otherwise.
• Any cancellation request made before access/joining instructions are provided and before the cohort begins will be considered under the specific offer terms and applicable law; submitting a request does not guarantee approval.
• If Equigenius cancels a paid program or cannot provide it as materially described, we will communicate the next steps and provide an appropriate remedy in line with the offer and applicable law. This may include rescheduling, an alternative arrangement, credit or a refund where required or agreed.

Do not assume that a seat can be transferred to another person or cohort unless we confirm the transfer in writing.

4. Changes or cancellation by Equigenius

The general non-refund policy applies to change-of-mind requests; it does not mean Equigenius may keep a fee for a service it fails to provide where applicable law or the specific offer requires a remedy. If we cancel a paid service or materially fail to deliver the service as described, we will contact enrolled participants and provide an appropriate next step consistent with the purchase terms and applicable law. Depending on the circumstances, this may be rescheduling, replacement delivery, restored access, credit or a refund where required or agreed.

Where a session is rescheduled, we will use the contact details provided at registration to communicate the change where reasonably practicable. Please keep your email address and WhatsApp number accurate and check the communications associated with your enrollment.

5. Issues to report for review

These are issues to report promptly so we can investigate; they are not promises of a refund. We will verify the transaction, the offer and what was delivered. Any refund or other remedy will be provided where required by applicable law or an express written commitment for the purchase. A change of mind after access is provided is not, by itself, a refund basis.

6. How to request a refund or cancellation review

Email info@equigeniusservices.com with the subject “Refund or Cancellation Request”. To help us locate the transaction, include:

1. Your full name and the email/WhatsApp number used during registration.
2. The course or workshop name and date of purchase.
3. Your order or payment reference and the amount paid.
4. A clear description of what happened and the outcome you are requesting.
5. Relevant proof, such as a receipt or screenshot of an access error, with unnecessary personal or financial details hidden.

Please do not email passwords, OTPs, UPI PINs, full card numbers or other sensitive credentials. If we need more information to investigate, we will contact you.

7. Review and payment processing

Requests are reviewed for the facts, transaction records, access/delivery status, the offer accepted at checkout and applicable law. We may ask for clarification or evidence before reaching a decision. Submitting a request does not mean a refund has been approved.

Where a refund is required by applicable law or is expressly approved under the written terms of a specific purchase, it will generally be sent through the original payment method or another appropriate method where the payment provider and applicable requirements permit. The time taken for funds to appear may depend on the bank, card issuer, UPI app or payment provider. We will share confirmed processing details where available.

Where a request is declined, we will explain the reason as clearly as reasonably practicable. Nothing in this policy limits any rights that cannot lawfully be excluded.

8. Reasons that do not qualify for a refund on their own

Subject to applicable law and any express written offer term, the following do not by themselves qualify for a refund, particularly after access or joining instructions have been provided or a live program has started:

• You changed your mind after digital access or the live program had begun.
• You did not watch the lessons, complete the assignments or attend the sessions.
• The program was more advanced or required more practice than you expected, where the published description accurately explained its level and prerequisites.
• You did not obtain a particular job, salary, interview outcome, investment result or other personal outcome.
• You did not meet published eligibility or completion requirements for a certificate, project review or internship selection.

This list does not restrict any statutory consumer protection or other right that applies to your purchase. The non-refund rule is not intended to excuse non-delivery of a paid service or override a remedy that must be provided by law.

9. Course access and troubleshooting

If access does not work after payment, first check the confirmation email, spam/promotions folders, the login details provided and the device/browser you are using. If the problem continues, contact us with your order reference and a screenshot of the issue.

We will make reasonable efforts to identify and resolve access issues. Please allow us a reasonable opportunity to investigate before assuming that access cannot be restored. This does not affect any right or remedy available under applicable law.

10. Projects and internship pathway

Where a specific paid program describes an equity research internship pathway as an inclusion, the written program offer and internship terms explain what is included. Applicants are expected to meet the stated eligibility criteria, including prior financial-modeling proficiency where required. Selection, assignment availability, duration, compensation (if any), supervision and completion conditions must be confirmed in the applicable written terms.

Buying a course does not, by itself, guarantee selection for an internship, a job or placement unless a specific written offer expressly states a commitment and that commitment is lawful. If you bought a program based on a stated inclusion that you believe was not provided as described, contact us with your purchase confirmation so we can review the issue.

11. Your consumer rights

Our general policy is that course and workshop fees are non-refundable once access to digital content or joining instructions has been provided, or a live program has begun. However, this policy does not waive or limit any consumer right, statutory remedy or legal protection that cannot be excluded under applicable law. If the law requires a refund or another remedy in a particular situation, that requirement will apply.

Please review the Terms & Conditions and Privacy Policy as well. Confirm these links match the final URLs on your website before publishing.