At BankUniv.in, we value your trust and satisfaction. This Return and Refund Policy explains the terms under which refunds may be provided for purchases made on our website.

1. Digital Products & Services

• All our products/services (such as PDFs, study materials, courses, or subscriptions) are digital in nature.
• Once a product has been purchased and delivered/downloaded, it cannot be returned.

2. Refund Eligibility

You may be eligible for a refund only under the following circumstances:

• You were charged more than once for the same order due to a technical error.
• You did not receive access to the purchased product/service within 24 hours of payment, and our support team is unable to resolve the issue.
• The product delivered is completely inaccessible or corrupted, and a replacement cannot be provided.

3. Non-Refundable Cases

Refunds will not be issued in the following cases:

• Change of mind after purchase.
• Incorrect selection of product/service.
• Partial use of a subscription or product.
• Issues related to internet connectivity, device compatibility, or personal circumstances.

4. Refund Process

• To request a refund, you must contact us within 7 days of purchase.
• Please email us at bankuniv.in@gmail.com with your order details, payment receipt, and a clear description of the issue.
• If your request is approved, the refund will be processed within 7–10 business days and credited to your original payment method.

5. Contact Us

For any questions about this policy or to raise a refund request, please contact us:
📧 bankuniv.in@gmail.com