Refund & Cancellation Policy

This Refund and Cancellation Policy ("Policy") governs all refund and cancellation requests in respect of payments made to TAC School of Modern Learning Private Limited ("TAC", "The Art Code") for any TAC Service, including digital subscriptions, bundle plans, SAT DROP webinars, bootcamps, offline course fees, and institutional programme fees.

TAC's fundamental position on refunds is set out in Clause 2 below. Users are strongly advised to read this Policy in its entirety before making any payment to TAC.

This Policy must be read together with TAC's Terms and Conditions, Payment Terms and Conditions, and Privacy Policy. Capitalised terms used in this Policy have the meanings ascribed to them in the Terms and Conditions unless otherwise defined herein.

TAC's platform is a digital content subscription service. Upon payment, access to a substantial library of pre-existing and continuously updated digital content is immediately granted. The delivery of the subscribed service commences at the moment of payment confirmation. Because the service is delivered digitally and instantaneously, and because TAC incurs substantial fixed costs (content production, tutor fees, platform hosting, licensing) regardless of how much content a subscriber consumes, no refund is granted for the subscription period once it has commenced.

Nothing in this Policy excludes or limits Your rights under the Consumer Protection Act, 2019 in cases of provably defective service delivery, unfair trade practice, or deceptive representation by TAC. The narrow exceptions in this Policy represent TAC's voluntary undertaking in good faith and in addition to, not in substitution for, any statutory rights You may have.

This exception applies exclusively where all four of the following conditions are simultaneously met:

• 3.1.1Your bank account, UPI account, or payment instrument is debited by JODO;
• 3.1.2You do not receive a payment confirmation email from TAC or JODO within two (2) hours of the debit;
• 3.1.3Your TAC subscription is not activated or renewed on the Platform within two (2) hours of the debit; and
• 3.1.4The transaction is confirmed as unreconciled and not received by TAC following TAC's reconciliation inquiry with JODO.

• 3.2.1TAC is not the holder of the debited funds and cannot initiate, process, or accelerate the refund;
• 3.2.2The debited amount is held within the NPCI/JODO/bank payment network and will be automatically reversed to Your payment instrument under the standard reversal protocols of NPCI and your bank;
• 3.2.3TAC will, upon Your request, issue a written reconciliation confirmation letter confirming that the transaction was not received by TAC; and
• 3.2.4You may present this letter to Your bank or JODO to facilitate the reversal. Expected reversal timelines are as specified in the Payment Terms and Conditions.

This exception does NOT apply to circumstances where:

• 3.4.1Payment is received by TAC and subscription/access is activated (even if You subsequently change your mind or do not use the Platform);
• 3.4.2You dispute a transaction that was for a service actually received (chargeback misuse); or
• 3.4.3The debit failure was caused by your own bank's system (e.g., your bank placed a hold on the funds). In such cases, the resolution lies between You and your bank.

A Duplicate Charge occurs where JODO, due to a system error, initiates and processes two (2) separate debits of the same subscription amount from Your payment instrument within the same billing cycle (i.e., two debits for the same billing period on or around the same Billing Date).

Upon identification of a verified Duplicate Charge (either by TAC through routine reconciliation or by You through a written report to TAC), TAC will arrange the refund of the duplicate amount through JODO to Your original payment instrument within five (5) to seven (7) Working Days of verification.

• 4.4.1Two charges from two different subscription plans active simultaneously (e.g., Creator Pass and Module Pass — these are separate products); or
• 4.4.2A charge for the current billing cycle and a charge for an overdue prior month's subscription that was not debited on its Billing Date.

If JODO debits Your payment instrument after TAC has issued a written subscription cancellation confirmation to You (i.e., after a cancellation confirmation email timestamped before the relevant Billing Date has been sent to Your registered email), that charge constitutes an erroneous charge and will be refunded within five (5) to seven (7) Working Days.

• 5.2.1You submitted the cancellation request on or after the Billing Date on which the charge in question was made;
• 5.2.2The cancellation confirmation from TAC bears a timestamp that is after the relevant Billing Date; or
• 5.2.3You attempted to cancel by revoking the mandate directly through your bank or UPI app and did not receive any confirmation from TAC.

Once a monthly subscription fee is successfully debited by JODO and access is activated for that billing cycle, no refund will be issued for any portion of that billing cycle, regardless of:

• 6.1.1How much or how little of the Platform's content You accessed or consumed during that period;
• 6.1.2Whether You cancel on Day 1, Day 3, Day 10, or any other day of the billing cycle;
• 6.1.3Whether You experienced personal, professional, or financial circumstances that prevented You from using the Platform during that period;
• 6.1.4Whether You were dissatisfied with specific content, a specific tutor's style, or the Platform's user interface; or
• 6.1.5Whether You forgot that the auto-debit was scheduled or failed to cancel before the Billing Date.

Bundle Plans (3-month, 6-month, annual, and combo offers) are non-refundable once activated. No pro-rated refund will be issued for any unused months remaining in the bundle period at the time of cancellation.

• 6.2.1For example: if You purchase a 6-month Creator Pass bundle and cancel after 2 months of use, no refund will be issued for the remaining 4 months.
• 6.2.2The bundle period will continue to run following cancellation, and You will retain access to the Platform until the last day of the bundle period.

• 6.3.1Forgetting to cancel before the Billing Date — the pre-debit notification sent three (3) days before the Billing Date constitutes adequate advance notice;
• 6.3.2Change of mind at any point after payment is made and access is activated;
• 6.3.3Non-usage of the Platform — the right to access and use the Platform is the service delivered, regardless of whether that right is exercised;
• 6.3.4Dissatisfaction with a specific tutor's delivery style or personality — platform-wide service delivery is not impaired by individual tutor preferences;
• 6.3.5Temporary inability to use the Platform due to personal circumstances (travel, illness, examinations, or emergencies) not caused by TAC;
• 6.3.6Platform downtime of less than seventy-two (72) continuous hours;
• 6.3.7Dissatisfaction with the quality of a specific community feature or non-core platform element; or
• 6.3.8Internet connectivity or device issues not caused by TAC's infrastructure.

If TAC cancels a bootcamp, You will receive a full refund to your original payment instrument within seven (7) Working Days. Alternatively, You may opt for transfer to the next scheduled bootcamp on the same topic.

You may transfer your confirmed bootcamp seat to a named third party by notifying support@theartcode.org in writing at least twenty-four (24) hours before Day 1 of the bootcamp. No more than one seat transfer is permitted per purchase. No refund is issued in lieu of a transfer.

Once Day 1 of a bootcamp has commenced, no refund, credit, or transfer will be issued under any circumstances.

• 10.1.1Log in > Account Settings > Subscription Management > Cancel Subscription;
• 10.1.2Email support@theartcode.org with subject 'Subscription Cancellation – [Full Name] – [Registered Mobile]'; or
• 10.1.3Revoke the JODO mandate directly through your UPI app or bank's net banking portal.

TAC will send a written cancellation confirmation to Your registered email address within twenty-four (24) hours of processing. Retain this confirmation for your records.

Following cancellation, Your access to the Platform continues until the last day of the billing period for which payment has already been made. No access extension is available beyond this period.

Your User Account, course progress, bookmarks, and community activity will be preserved for six (6) months following the expiry of your final paid access period. Re-subscribing within this six (6) month window will restore your full account history.

In circumstances where TAC issues a credit instead of a cash refund (as described in Clause 7.1.1 for webinar cancellations), the credit is issued to your TAC Wallet associated with your User Account.

All refunds authorised under this Policy will be processed to the original payment instrument used for the relevant transaction. TAC does not issue refunds by cash, cheque, or bank transfer to an account different from the payment source.

TAC will not issue a refund to any payment instrument other than the original source of payment under any circumstances.

Where a refund is initiated but You do not see the credit within the maximum stated timeline, TAC will furnish You with the JODO refund reference number, which You may present to Your bank for tracking.

• 14.2.1File a written complaint with TAC's Grievance Officer at legal@theartcode.org — response within fifteen (15) Working Days;
• 14.2.2Escalate your complaint to the appropriate Consumer Disputes Redressal Commission (District, State, or National level) under Section 35 or Section 47 of the Consumer Protection Act, 2019, as applicable;
• 14.2.3Access the National Consumer Helpline at 1800-11-4000 (toll-free, Monday–Saturday, 9:30 AM – 5:30 PM IST); or
• 14.2.4Use the Central Consumer Protection Authority's Integrated Grievance Redressal Mechanism at consumerhelpline.gov.in.

All disputes arising out of or in connection with this Policy are subject to the exclusive jurisdiction of the courts of competent jurisdiction situated at Hyderabad, Telangana, India, as set out in Clause 15 of the Terms and Conditions.

TAC reserves the right to amend this Policy at any time. Where amendments are material — in particular, where they tighten refund entitlements or expand the scope of the no-refund position — TAC will provide not less than fourteen (14) days' advance written notice by email before the amendments take effect.

Your continued use of the Services or retention of an active subscription after the effective date of any amendment constitutes acceptance of the amended Policy.