Refund policy

REFUND & CANCELLATION POLICY: 1. SCOPE AND APPLICABILITY: 

1.1 This Refund & Cancellation Policy ("Policy") governs all subscription purchases made through Company / NeOwn (‘NeOwn’ / ‘Company’ / ‘We’ / ‘Our’) platform, including but not limited to the website (neown.in), mobile applications (iOS and Android), and any other authorized sales channels operated by or on behalf of Company. 

1.2 By completing a purchase transaction on the Company platform, the Customer confirms that they have read, understood, and expressly agreed to be bound by the terms of this Policy, which shall be read together with and form an integral part of Company’s Terms of Service and Privacy Policy. 

1.3 This Policy applies to all Library subscription plans  viz. (i) Neown Book Library subscription; (ii) Sibling Plan - Neown Book Library subscription; (iii) Toy Library subscription and (iv) Toy & Books Combo subscription plan  (v) Neown Book Library (collectively referred to as “Library Subscription Plans” for any duration i.e including 2 (two) 3 (three); 6 (six) and 12 (twelve) months, as may be applicable,  as offered by Company unless otherwise expressly specified in writing by Company for a particular plan or offering.  

2. DEFINITIONS

For the purposes of this Policy, the following terms shall have the meanings ascribed to them below:
2.1 "Paid Amount" means the total subscription fee paid by the Customer at the time of purchase, inclusive of the base subscription price and any applicable delivery fees, and excluding any discounts, promotional credits, or third-party funded benefits, unless otherwise expressly stated.

2.2 "Purchase Date" means the date and time at which the Customer's payment is successfully processed and received by Company and an order is created in Company's system.
2.3 "Selection Confirmed" means the status achieved when:
(a) The Customer manually confirms their book selection through the Company platform; or
(b) The system automatically confirms the book selection through curator intervention and such confirmation shall be deemed final for the relevant cycle. In event the Customer requests the Company to review the selection, then the Customer can shall be provided with necessary curator help through which the selection shall be reviewed and confirmed through the Company’s system.

 2.4 "Online Payment Methods" means all electronic payment methods accepted by Company, including but not limited to credit cards, debit cards, Unified Payments Interface (UPI), net banking, and digital wallets, but explicitly excluding Cash on Delivery (COD).

2.5 "Gateway Charges" means the transaction processing fees charged by the payment gateway provider, depending on the payment method and transaction amount, which are non-refundable and may vary from time to time.

2.6 "Cancellation Fee" means fifteen percent (15%) of the Paid Amount, calculated as a flat administrative fee for processing cancellation requests, which shall be non-refundable and may be revised by Company from time to time with prior notice.
2.7 "Refund Amount" means the amount calculated as: Paid Amount minus Gateway Charges minus Cancellation Fee, and subject to any other deductions expressly provided under this Policy.
2.8 "Business Days" means Monday through Friday, excluding public holidays recognized in Mumbai, Maharashtra, India.

2.9 "Cycle" means a period of thirty (30) days from the date of book delivery to the scheduled pickup/exchange date, as determined by Company’s logistics schedule.
2.10 "Inactivity Period" means a continuous period of ninety (90) calendar days during which the Customer has not logged into the Company application, created a child profile, or selected books, as recorded in Company’s systems, which shall be final and binding.

3. NATUTE OF SERVICE AND REFUND ELIGIBILITY:

3.1 The Customer acknowledges and agrees that the Company subscription including various Library Subscription Plans constitutes:
(a) A pre-paid service requiring full upfront payment for the selected subscription duration;
(b) A commitment-based service, not a pay-per-use rental, trial period, or on-demand service;
(c) A non-cancellable service following selection confirmation, subject only to the limited pre-selection cancellation window
(d) A fixed-duration service corresponding to the subscription period selected at purchase (3, 6, or 12 months), with no option for early termination except as expressly provided in this Policy.
3.1.2 The subscription is not, and shall not be construed as:
(a) A "try before you buy" or trial arrangement;
(b) A refundable deposit or security;
(c) A service terminable at will by the Customer;
(d) A service subject to prorated refunds based on usage.

3.2  Cancellation before selection (Within Five Days)
3.2.1 A Customer shall be eligible to request cancellation of their subscription if and only if ALL of the following conditions are satisfied:
(a) The cancellation request is submitted to Company within five (5) calendar days from the Purchase Date and prior to Selection Confirmed status;
(b) The first set of book selection has NOT been confirmed in Company's system as defined in Section 2.3 above;

(c) The payment was made through Online Payment Methods as defined in Section 2.4 above and such payment is successfully received and not subject to any chargeback, reversal, or dispute.
3.2.2 For cancellations meeting the criteria set forth in Section 3.2, the Refund Amount shall be calculated as follows:
Refund Amount = Paid Amount - (Gateway Charges + Cancellation Fee)
Where Cancellation Fee = Paid Amount × 15%, and such Refund Amount shall be subject to applicable deductions as set out in this Policy.
3.2.3 Refunds under this Section shall be processed to the Customer's original payment method within seven (7) to ten (10) Business Days from the date of cancellation confirmation, subject to timelines of the respective payment gateway or banking partner.
3.2.4 The Company shall communicate the refund calculation breakdown to the Customer via email  upon receiving and verifying the cancellation request, provided that all required details and validations are complete. 

3.3 Cash on Delivery (COD) - Non-Refundable
3.3.1 All payments made through Cash on Delivery (COD) are strictly NON-REFUNDABLE under any and all circumstances, except as may be required under applicable law or pursuant to an order of a court of competent jurisdiction.
3.3.2 Once a COD payment is received by Company's authorized delivery executive, the transaction is deemed final and irrevocable and acknowledged as a valid order.
3.3.3 The payment by the Customer constitutes explicit confirmation of their subscription, including accuracy of order details, and eliminates any claim of order error or mistake.
3.3.4 COD payment option is available exclusively for deliveries within Mumbai, Maharashtra, or such other locations as may be enabled by Company from time to time in its sole discretion.
3.3.5 No exceptions to this Section 3.3 shall be granted under any circumstances, including but not limited to claims of fraud, coercion, mistake, or misrepresentation, except as may be required under applicable law or pursuant to an order of a court of competent jurisdiction.

3.4 Inactivity Auto-Cancellation (Ninety Days)

3.4.1 Company's system shall automatically cancel a subscription if all of the following conditions are met:
(a) The Customer has completed a purchase transaction;
(b) The Customer has failed to log into the Company application AND failed to create a child profile AND failed to select books for the first cycle i.e. within a period of 5 (five) days from the date of purchase; and
(c) A period of ninety (90) calendar days has elapsed from the Purchase Date with zero customer engagement, as recorded in Company’s systems.
3.4.2 Prior to executing an auto-cancellation Company shall make reasonable good-faith attempts to contact the Customer using the contact details available in its records.
3.4.3 Upon execution of auto-cancellation on Day 90, no refund shall be issued to the Customer, except as may be required under applicable law or pursuant to an order of a court of competent jurisdiction.
3.4.4 The entire Paid Amount shall be forfeited by the Customer as consideration for Company's administrative costs, system allocation, and opportunity costs associated with the inactive subscription.
3.4.5 The Customer acknowledges and agrees that the ninety (90) day period provides reasonable and sufficient time to commence use of the subscription service, and that failure to do so constitutes voluntary abandonment of the subscription and waiver of any refund claims.

3.5 No Post-Selection Cancellation
3.5.1 Once the first book selection is confirmed in Company's system as defined in Section 2.3, no cancellation shall be permitted under any circumstances, except as may be required under applicable law or pursuant to an order of a court of competent jurisdiction.
3.5.2 "Selection confirmed" status is achieved when the following occurs:
(a) The Customer manually confirms their book selection through the Company platform interface;
.
3.5.3 Following selection confirmation, the Customer is obligated to complete the full subscription period as selected at the time of purchase (3 months, 6 months, or 12 months), and no early termination shall be permitted.
3.5.4 No refunds, partial refunds, prorated refunds, or credits shall be issued for any reason after selection confirmation, except as may be required under applicable law or pursuant to an order of a court of competent jurisdiction, including but not limited to:
(a) Customer preference changes or dissatisfaction;
(b) Financial hardship or inability to continue payment;
(c) Medical emergencies or health conditions affecting the Customer or their family;
(d) Relocation, whether domestic or international;
(e) Natural disasters, force majeure events, or circumstances beyond the Customer's control;
(f) Death or incapacitation of the Customer or family members;
(g) Non-use, low usage, or underutilization of the subscription;
(h) Discovery of alternative or competing services;
(i) Dissatisfaction with book selections, curation quality, or delivery timelines;
(j) Any other reason not explicitly provided for in this Policy.
3.5.5 The Customer acknowledges that the post-selection non-cancellation provision is a material term of the subscription agreement and that they have had adequate opportunity to review this Policy prior to completing their purchase, and agrees that such provision is reasonable and binding.

3.6 No Prorated Refunds
3.6.1 Company does not calculate refunds on a prorated or proportional basis under any circumstances, except as may be required under applicable law or pursuant to an order of a court of competent jurisdiction.
3.6.2 Refund eligibility and amounts shall not be determined based on:
(a) Time elapsed since Purchase Date;
(b) Number of cycles completed;
(c) Number of books received, read, or utilized;
(d) Frequency of platform usage or engagement;
(e) Customer satisfaction levels or feedback;
(f) Remaining subscription duration.
3.6.3 Where refunds are applicable under this Policy, the calculation shall be strictly limited to the flat-rate formula specified in Section hereinabove, and no other method of computation shall apply.

4. COMPANY-INITIATED TERMINATION:
4.1 Grounds for Termination:
4.1.1 Company reserves the right to terminate a Customer's subscription immediately and without prior notice upon occurrence of any of the following, as reasonably determined by Company:
(a) A pattern of damage abuse, defined as four (4) or more incidents of chargeable book damage within a rolling twelve (12) month period, as recorded in Company’s systems;
(b) Persistent non-return of books beyond applicable grace periods across multiple cycles;
(c) Fraudulent activity, including but not limited to:
● Creation or use of multiple customer accounts;
● Provision of false, inaccurate, or misleading address information;
● Resale, sublease, or commercial exploitation of books received through the subscription;
● Use of stolen or unauthorized payment methods;
(d) Abusive, threatening, harassing, or otherwise inappropriate behaviour directed toward Company personnel, including delivery executives, customer service representatives, warehouse staff, or any other employees or contractors;
(e) Repeated delivery or exchange failures attributable to Customer non-responsiveness, unavailability, or non-cooperation across three (3) consecutive cycles;
(f) Intentional, wilful, or reckless damage to books;
(g) Commercial use of the subscription service, including but not limited to renting, leasing, or reselling books to third parties;
(h) Material breach of Company's Terms of Service, Privacy Policy, or any other applicable agreement;
(i) Any conduct that, in Company's reasonable discretion, is detrimental to Company's operations, reputation, or community.

4.2 Consequences of Termination
4.2.1 No Refund: Upon termination under Section 4.1, the entire Paid Amount shall be forfeited by the Customer. No refund, partial refund, or credit shall be issued for any unused portion of the subscription period, except as may be required under applicable law or pursuant to an order of a court of competent jurisdiction.
4.2.2 Book Return Obligation: The Customer must return all books in their possession to Company within seven (7) calendar days of the termination notice date, or such other timeline as may be specified by Company. Failure to comply shall result in additional charges, including recovery or replacement costs, as determined by Company.
4.2.3 Account Closure: The Customer's account shall be permanently closed and the Customer shall be ineligible to create new accounts or purchase future Company subscriptions, except at the sole discretion of Company.
4.2.4 Communication: Company shall provide written notice of termination via:
(a) Email to the registered email address; and/or
(b) Registered post or any other communication method available in Company’s records.
The termination notice shall state:
i) The specific cause(s) for termination;

ii) The effective date of termination (which may be immediate);
iii) The deadline for book return (seven calendar days from notice or such other timeline as specified by Company);
iv) Confirmation of account closure and future ineligibility.

5. REFUND PROCESSING
5.1 Processing Timeline
5.1.1 Where refunds are applicable under this Policy, Company shall process such refunds within seven (7) to ten (10) Business Days from the cancellation confirmation date, subject to successful verification and eligibility under this Policy.
5.1.2 "Cancellation confirmation date" means the date on which Company confirms in writing (via email or in-app notification) that the Customer's cancellation request has been accepted and approved, and all required validations have been completed.
5.1.3 Refunds shall be processed exclusively to the original payment method used at the time of purchase, and Company shall not be responsible for failure of refund due to incorrect, expired, or unavailable payment details.
5.1.4 Processing timelines may be subject to delays due to:
(a) Bank or financial institution processing schedules;
(b) Payment gateway processing queues;
(c) Verification or security requirements imposed by payment processors;
(d) Public holidays or non-Business Days;
(e) Any discrepancies or issues identified during internal verification processes.
5.1.5 Company shall not be liable for delays in refund receipt that are attributable to third-party payment processors, banks, or financial institutions beyond Company's reasonable control.

6 Customer Communication
61 Upon acceptance of a cancellation request, Company shall provide the Customer with:
(a) A cancellation confirmation email subject to completion of all required validations;
(b) A detailed refund calculation breakdown via email, specifying:
● Paid Amount;
● Gateway Charges deducted;
● Cancellation Fee (15%) deducted;
● Final Refund Amount;
(c) A refund initiation notification when the refund transaction is processed to the payment provider.

6.2 Customers may track refund status through:
Customer service inquiry via email (contact@neown.in), WhatsApp, or phone, subject to reasonable response timelines and availability.

7. CUSTOMER RIGHTS AND RESTRICTIONS:

7.1 Permitted Customer Actions:
Customers retain the following rights during an active subscription:
7.1.1 To request cancellation within five (5) calendar days of Purchase Date, subject to the conditions, eligibility, and fees specified as per terms under Section 3;
7.1.2 To modify book selections during each cycle's designated selection window  prior to final selection and  confirmation. The Customer / user shall be able to confirm the selection by clicking on ‘Confirm my selection’ tab. ;
7.1.3 To request curator assistance and recommendations for book selections;
7.1.4 To update the delivery address, subject to serviceability, and applicable delivery fee adjustments as specified in Company's Terms of Service, prior to the Customer / user providing its confirmation (through the ‘Confirm my selection’ tab);
7.1.5 To access customer service support via email, WhatsApp, phone, or in-app chat for assistance, inquiries, and issue resolution, subject to reasonable response timelines.

7.2 Prohibited Customer Actions
Customers shall not be permitted to:
7.2.1 Request cancellation or refund after selection confirmation, except as may be required under applicable law or pursuant to an order of a court of competent jurisdiction;
7.2.2 Cease participation in the subscription mid-cycle with an expectation of refund;
7.2.3 Transferring, assigning, or conveying the subscription to any third party without Company's prior written consent;
7.2.4 Downgrading the subscription plan duration during the active subscription period;
7.2.5 Requesting prorated refunds calculated on a time-based or usage-based formula and/or otherwise;
7.2.6 Claiming refunds for Cash on Delivery (COD) payments under any circumstances, except as may be required under applicable law or pursuant to an order of a court of competent jurisdiction;
7.2.7 Claiming refunds following a ninety (90) day inactivity auto-cancellation, except as may be required under applicable law or pursuant to an order of a court of competent jurisdiction;
7.2.8 Asserting any grounds for cancellation or refund based on personal circumstances,  or force majeure events occurring after selection confirmation, except as may be required under applicable law or pursuant to an order of a court of competent jurisdiction.

8. EXCLUSIONS AND LIMITATIONS
8.1 Force Majeure
8.1.1 Neither party shall be liable for failure to perform obligations under this Policy due to causes beyond reasonable control, including but not limited to:
(a) Acts of God, natural disasters, epidemics, pandemics;
(b) War, civil unrest, terrorism, government actions;
(c) Strikes, labor disputes, supply chain disruptions;
(d) Telecommunications or internet failures;
(e) Any other event constituting force majeure under Indian law.
8.1.2 Notwithstanding Section 8.1.1, force majeure events affecting the Customer shall not constitute grounds for cancellation or refund after selection confirmation.
8.1.3 Force majeure events affecting Company's ability to deliver services may result in temporary service suspension, reasonable extension of subscription timelines, or alternative remedies at Company's sole discretion, and shall not entitle the Customer to refunds.

8.2 No Liability for Third-Party Delays
8.2.1 Company shall not be liable for delays, failures, or losses attributable to:
(a) Payment gateway or bank processing delays;
(b) Courier or logistics partner delays or failures;
(c) Incorrect, incomplete, or outdated information provided by the Customer (including address, contact details, or payment information);
(d) Circumstances beyond Company's reasonable control.

8.2.2 Such delays or failures shall not constitute grounds for cancellation, refund, or breach of contract claims, except as may be required under applicable law.

9. POLICY MODIFICATIONS:
9.1 Right to Modify
9.1.1 Company reserves the right to modify, amend, or replace this Refund & Cancellation Policy at any time, in its sole discretion.

9.2 Applicability of Modifications
9.2.1 For existing subscriptions: The Policy version in effect at the time of the Customer's Purchase Date shall govern that subscription for its entire duration, unless a change is required to comply with applicable law.
9.2.2 For new purchases and renewals: The Policy version in effect at the time of purchase or renewal shall apply. 

9.3 Continued Use:
9.3.1 Continued use of the Company platform, use of Company website, application following any revision / update of Policy modifications constitutes acceptance of such modifications.
9.3.2 Customers who do not agree with Policy modifications may cancel their subscription pursuant to Section 3 (if within the five-day pre-selection window) or discontinue use of the platform upon subscription expiry.

1. DISPUTE RESOLUTION
   10.1 Internal Escalation
   10.1.1 All disputes, claims, or disagreements arising from or relating to refunds or cancellations shall first be submitted to Company's internal escalation process, and no external proceedings shall be initiated prior to completion of such process, except as may be required under applicable law:
   Level 1: Customer Service
   ● Initial contact via WhatsApp, email (contact@neown.in), or phone;
   ● Response timeline: Within twenty-four (24) hours on Business Days;
   ● Resolution timeline: Within seven (7) Business Days.
   Level 2: Manager Review
   ● Escalation for unresolved disputes;
   ● Review timeline: Within seven (7) Business Days of escalation;
   ● Manager decision communicated in writing.
   Level 3: Founder Review
   ● Final internal escalation for high-value disputes or policy exception requests;
   ● Conducted at Company’s sole discretion;
   ● Decision communicated in writing and treated as final within the internal escalation framework.

10.2 Grievance Officer
10.2.1 In compliance with the Information Technology Act, 2000, the Consumer Protection Act, 2019, the Consumer Protection (E-Commerce) Rules, 2020, and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, Company designates a Grievance Officer:
Name: [To be filled]
Email: contact@neown.in
Acknowledgment Timeline: Within 2 (two) business days of receipt of complaint
Resolution Timeline: Within one (1) month from the date of receipt of complaint
10.2.2 Customers may submit formal grievances to the Grievance Officer via email, providing:
(a) Full name and contact information;
(b) Order ID and Purchase Date;
(c) Detailed description of the grievance;
(d) Copies of relevant correspondence or documentation;
(e) Relief or remedy sought.

10.3 Legal Jurisdiction
10.3.1 This Policy shall be governed by and construed in accordance with the laws of India.
10.3.2 Subject to applicable law, any disputes, claims, or legal proceedings arising from or relating to this Policy, refunds, cancellations, or any aspect of the Customer-Company relationship shall be subject to the exclusive jurisdiction of the courts located in Mumbai, Maharashtra, India.
10.3.3 The Customer hereby submits to the jurisdiction of such courts, provided that nothing herein shall limit any statutory rights available to consumers under applicable law.

10.4 Limitation Period
10.4.1 Any claim, dispute, or legal action relating to refunds or cancellations must be initiated within ninety (90) calendar days from the date of the disputed transaction or cancellation.
10.4.2 To the extent permitted under applicable law, claims filed beyond the ninety (90) day period may not be entertained by Company.

11. SEVERABILITY
11.1 If any provision of this Policy is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be severed from this Policy, and the remaining provisions shall continue in full force and effect.
11.2 The invalid or unenforceable provision shall, to the extent permissible, be replaced with a valid and enforceable provision that most closely approximates the intent and economic effect of the original provision.

12. WAIVER
12.1 No waiver by Company of any breach or default of this Policy shall be deemed a waiver of any subsequent breach or default.
12.2 Failure or delay by Company to enforce any provision of this Policy shall not constitute a waiver of such provision or of Company's right to enforce it at a later time.
12.3 Any waiver must be in writing and authorized by Company to be effective.

13. ENTIRE AGREEMENT
13.1 This Policy, together with Company's Terms of Service and Privacy Policy, constitutes the entire agreement between the Customer and Company relating to refunds and cancellations.
13.2 This Policy supersedes all prior or contemporaneous negotiations, discussions, representations, or agreements, whether written or oral, relating to the subject matter hereof.

14. CONTACT INFORMATION
For questions, concerns, or requests relating to this Refund & Cancellation Policy, Customers may contact Company via:
Email: contact@neown.in
WhatsApp: [Phone Number]
Phone: [Phone Number] (9:00 AM - 7:00 PM IST, Monday - Saturday)
Registered Address: [Company Registered Office Address] 

15. OTHER TERMS:

15.1 Right to Set-Off and Recovery:
15.1.1 Company shall have the right to set-off and recover any amounts due from the Customer against any refunds, credits, or amounts otherwise payable to the Customer under this Policy or any other agreement.
15.1.2 Without prejudice to the above, Company reserves the right to recover any outstanding dues, damages, or replacement costs through lawful means.

15.2 Chargebacks and Payment Disputes:
15.2.1 In the event of any chargeback, payment reversal, or dispute initiated by the Customer with a payment provider, Company reserves the right, at its discretion, to suspend or terminate the Customer’s account and recover any associated costs, losses, or penalties.
15.2.2 The Customer agrees not to initiate chargebacks without first exhausting the internal dispute resolution process under Section 10.1.

15.3 Verification and Fraud Prevention
15.3.1 Company reserves the right to verify Customer identity, payment details, and transaction authenticity at any stage.
15.3.2 Company may suspend or refuse services where any transaction is suspected to be fraudulent, unauthorized, or in violation of this Policy.

15.4 Service Suspension Rights
15.4.1 Company may suspend services, deliveries, or account access in the event of:
(a) Suspected fraud or misuse;
(b) Non-compliance with return obligations;
(c) Operational, safety, or regulatory concerns;
(d) Any other reasonable grounds as determined by Company.
15.4.2 Such suspension shall not entitle the Customer to any refund.

15.5 Data and System Records
15.5.1 All records maintained by Company, including transaction logs, system data, communication records, and usage history, shall be deemed accurate and binding for the purposes of this Policy, unless proven otherwise by the Customer.

15.6 No Waiver of Statutory Rights of Company
16.6.1 Nothing in this Policy shall limit Company’s rights or remedies available under applicable law, including the right to initiate civil or criminal proceedings where required.

15.7 Survival
15.7.1 The provisions relating to payment obligations, refund restrictions, liability exclusions, dispute resolution, and any other provisions which by their nature are intended to survive shall continue in full force and effect notwithstanding termination or expiry of the subscription.

16. ACKNOWLEDGMENT

16.1 By purchasing, subscribing to, accessing, or using the Company’s platform, website, application, products and/or services, the Customer confirms and acknowledges that the Customer has carefully read, understood, and accepted this Refund & Cancellation Policy in its entirety and agrees to be legally bound by the same. The Customer further expressly acknowledges, agrees, and confirms that:

(a) cancellation of a subscription/order shall be permissible only within five (5) days from the date of purchase and strictly subject to the condition that the book selection process has not been confirmed, finalized, initiated, or acted upon by the Company;

(b) all eligible cancellations shall be subject to deduction of a cancellation charge equivalent to fifteen percent (15%) of the amount paid;

(c) any payment made through Cash on Delivery (COD) shall be non-refundable, save and except where such refund is mandatorily required under applicable law;

(d) where a subscription/order is automatically cancelled on account of ninety (90) days of inactivity, non-response, or failure on the part of the Customer to complete the requisite selection or confirmation process, no refund shall be payable, save and except where such refund is mandatorily required under applicable law;

(e) once the Customer’s book selection has been confirmed, finalized, locked-in, processed, or otherwise acted upon by the Company, no cancellation, reversal, refund, exchange, or modification request shall be entertained, save and except as may be required under applicable law;

(f) the subscription purchased by the Customer is a fixed-term subscription for the entire selected tenure, and no prorated, partial, proportional, or unused-period refund shall be available or payable under any circumstances;

(g) the Customer is under an obligation to complete and continue with the full subscription period as originally purchased, and the Customer shall not be entitled to prematurely terminate the subscription with any claim for refund, adjustment, set-off, or credit, except as expressly provided herein or as required under applicable law;

(h) the Company reserves the right, at its sole discretion, to amend, modify, revise, supplement, or update this Refund & Cancellation Policy, or any part thereof, at any time, and it shall be the sole responsibility of the Customer / user to periodically review and remain informed of the latest version of such terms as made available on the Company’s website and/or application. The Customer’s continued access to, use of, or purchase on the platform/ website / application after any such amendment, modification, revision, supplement, or update shall be deemed to constitute the Customer’s full and unconditional acceptance of the revised terms, which shall thereupon become binding and enforceable upon the Customer;

(i) the Customer has not relied upon any oral statement, representation, assurance, promise, understanding, correspondence, or communication not expressly recorded in this Policy while making the purchase, and no employee, agent, representative, or affiliate of the Company shall be deemed to have waived, altered, or modified any provision of this Policy unless the same is expressly recorded in writing by the Company;

(j) this Policy constitutes a binding and enforceable agreement between the Customer and the Company with respect to refund, cancellation, and related matters, and the Customer agrees that the Company’s records, systems, and internal transaction logs relating to the purchase, subscription status, inactivity, book selection confirmation, and processing status shall, unless error is validly established, be final and binding for the purposes of determining the Customer’s eligibility for cancellation or refund.