Refund Policy — Vvinayak Study

Last Updated: 1 September 2026

Thank you for choosing Vvinayak Study. We want you to have a smooth experience when purchasing our digital educational products, including the Banking 6-in-1 Bundle Toolkit.

Because our products are delivered digitally, please read this Refund & Cancellation Policy carefully before completing your purchase.

1. DIGITAL PRODUCT

The Banking 6-in-1 Bundle Toolkit is a digital product. No physical books or products are shipped.

Once your payment is successfully completed and the digital product or access details have been delivered, the product may be immediately available for use.

2. REFUND POLICY

Due to the nature of digital products, orders are generally non-refundable once the digital product has been delivered or access has been provided, except where a refund or other remedy is required under applicable law or where Vvinayak Study determines that a refund is appropriate.

Please review the product description, included subjects, features, FAQs, and other information provided on the Website before purchasing.

3. TECHNICAL ISSUES

If you experience a genuine technical problem with your purchase, please contact us.

Examples include:

  • Payment was successfully completed but you did not receive the product.
  • The download/access link does not work.
  • The delivered files are corrupted or inaccessible.
  • You purchased the product but cannot access the material due to a technical issue attributable to us.

We will make reasonable efforts to resolve the issue by providing replacement files, a new access link, or another appropriate solution.

If we are unable to resolve a genuine technical issue, we may provide a refund where appropriate and subject to applicable law.

4. DUPLICATE PAYMENTS

If you accidentally make more than one payment for the same product/order, please contact us as soon as possible.

After verifying the duplicate transaction, we may process the applicable duplicate-payment refund through the original payment method, subject to payment-provider processing times.

5. CANCELLATION

You may contact us to request cancellation before the digital product has been delivered or access has been provided.

Once the digital product has been delivered or access has been granted, cancellation requests may not be accepted, except where required by applicable law.

6. CHANGE OF MIND

Refunds are generally not provided simply because a customer:

  • Changes their mind after purchase.
  • Decides they no longer need the material.
  • Does not use the product.
  • Does not have sufficient time to study.
  • Purchases the product accidentally and subsequently changes their mind.
  • Finds the product different from their personal expectations when the product description accurately described what was included.

However, nothing in this policy is intended to limit any rights or remedies that cannot legally be excluded under applicable law.

7. EXAM RESULTS

Vvinayak Study provides educational preparation material. Purchasing or using our products does not guarantee:

  • Passing an examination.
  • A particular score or rank.
  • Selection in Bank PO, Clerk, IBPS, SBI, RBI, RRB, or any other examination.
  • Employment or any particular career outcome.

Therefore, refunds will not ordinarily be provided based solely on examination results or failure to achieve a particular result.

8. HOW TO REQUEST SUPPORT OR A REFUND

If you believe you are eligible for a refund or are experiencing a technical problem, contact us at:

Vvinayak Study
📧 Email: studyvvinayak@gmail.com

🌐 Website: VvinayakStudy.com

Please include:

  • Your full name
  • Email address used for the purchase
  • Order/transaction ID
  • Date of purchase
  • Description of the issue
  • Screenshot or other relevant evidence, if applicable

We will review your request and respond within a reasonable period.

9. REFUND PROCESSING

If a refund is approved, it will generally be processed through the original payment method, where technically and operationally possible.

The time taken for the amount to appear in your account may depend on your bank, card issuer, UPI provider, payment gateway, or other payment service provider.

10. POLICY CHANGES

We reserve the right to update this Refund & Cancellation Policy from time to time.

Any changes will be published on this page with an updated “Last Updated” date.