Refund & Cancellation Policy

1. How Payments Are Processed

Where online payments are enabled, payments are processed securely by Razorpay. SkillTop does not directly handle or store your card, UPI, or bank account details. Manual UPI payments are reviewed by our team before access is activated — see §4.

2. Digital Access Is Activated Immediately

A successfully verified payment activates digital access (premium Test Series, Previous Paper Packs, study material, or a subscription's full coverage) immediately or as soon as verification completes. Because access is granted right away, purchases are generally non-refundable once access has been activated, except in the specific eligible cases described in §3.

3. Eligible Refund Cases

We review refund requests individually. Cases we typically consider eligible include:

• Duplicate payment — you were charged more than once for the same purchase.
• Payment captured but access not delivered — Razorpay/your bank confirms the amount was captured, but the corresponding access was never activated on your account due to a verified technical failure on our side.
• Verified technical failure — a confirmed platform-side error prevented you from using the content you paid for, and the issue could not be resolved.

4. Non-Eligible Cases

Because digital access is granted immediately, the following are generally not eligible for a refund, though we still review every request:

• Change of mind after purchase, once access has been activated.
• Content already substantially viewed, attempted, or downloaded (e.g. mock tests already started, study material already opened).
• Dissatisfaction with a score, rank, or exam outcome — see our Educational Disclaimer, which explains that no result is guaranteed.

5. Manual UPI Review, Rejection, and Resubmission

A manual UPI payment is verified by our team against the UTR/reference and screenshot you submit. If a request is rejected (e.g. the reference could not be matched, or the screenshot was unclear), you have not been charged for an active plan — no subscription/access was activated — and you may resubmit your payment details or contact us for help. A rejected manual UPI request is not itself a "denied refund"; it means the original payment was never verified/activated in the first place.

6. Cancellation

You may request cancellation of an active subscription at any time by contacting us (see §8). Cancelling stops your subscription from being considered active for premium access going forward; cancellation does not automatically mean a refund — refund eligibility for time/content already accessed follows §3 and §4 above.

7. Refund Request Window, Coupons, and Processing Time

Refund requests must be made within 7 days of the original payment. If a coupon/discount was applied at checkout, only the amount you actually paid (after the discount) is refundable — the discounted value itself is never refunded separately. An approved refund is typically processed back to your original payment method within 2–3 business days.

8. How to Request a Cancellation or Refund

Reach out via our Contact page with your account email and the payment reference/transaction ID shown on your Payment History page (if you're signed in) or your order receipt.