1. Overview

This Refund Policy outlines the conditions under which Saiph Academy will issue refunds for fees paid towards the AI-Powered Practical Accounting Programme. We understand that circumstances change, and we aim to be fair and transparent in how we handle refund requests.

2. Programme Fees

• Total Programme Fee: ₹45,000
• Registration / Seat Booking Fee: ₹5,000 (payable at the time of enrolment to confirm your seat)
• Balance Fee: ₹40,000 — payable in instalments as agreed at the time of admission

All fees are quoted in Indian Rupees (INR) and are inclusive of training materials, tool access, and certification fees. Accommodation charges, if applicable, are separate and governed by a separate agreement.

3. Refund Eligibility

Refunds are considered under the following circumstances:

• You have submitted a written refund request (via email or WhatsApp) before the applicable deadline.
• Your withdrawal is voluntary and not due to disciplinary action or breach of our Terms of Service.
• All outstanding dues (if any) have been cleared at the time of the refund request.

Refund requests that do not meet the above conditions will not be processed.

4. Refund Schedule

The following schedule applies to voluntary withdrawal requests:

4.1 Registration Fee (₹5,000)

• Refundable: If you cancel your enrolment more than 14 days before the batch start date — full refund of ₹5,000.
• Non-refundable: If you cancel within 14 days of the batch start date, or after the batch has commenced.

4.2 Balance Programme Fee

• Before batch start: 100% of balance fees paid are refundable if withdrawal is made more than 14 days before the batch start date.
• Within 7 days of batch start: 75% of balance fees paid are refundable.
• Between Day 8 and Day 30 of the batch: 50% of balance fees paid are refundable.
• After Day 30 of the batch: No refund is applicable. Fees paid are non-refundable.

5. Non-Refundable Cases

No refund will be issued in the following circumstances:

• Termination of enrolment due to breach of the Terms of Service, including confidentiality violations or misconduct.
• Withdrawal after Day 30 of the Programme batch.
• Failure to attend sessions without prior notice — non-attendance does not constitute withdrawal.
• Change of mind after the batch has commenced beyond the 7-day window.
• Circumstances caused by the student's personal situation (relocation, schedule conflict, etc.) that arise after Day 30.
• Accommodation or hostel fees paid separately.

6. Refund Process

Step 1 — Submit a Request

Send your refund request in writing to hello@saiphacademy.com or via WhatsApp to +91 9188910755. Include your full name, batch date, reason for withdrawal, and payment details.

Step 2 — Review

We will acknowledge your request within 2 working days and review your eligibility based on this policy.

Step 3 — Processing

If your refund is approved, the eligible amount will be transferred to your original payment method (bank account / UPI) within 7–10 working days of approval.

Step 4 — Confirmation

You will receive a confirmation message once the refund has been processed.

7. Seat Transfer

As an alternative to a refund, you may request to transfer your seat to the next available batch. Seat transfers are subject to availability and must be requested at least 7 days before the current batch start date. A transfer request does not constitute withdrawal and will not trigger a refund.

Each student is permitted a maximum of one batch transfer. A second transfer request will be treated as a withdrawal.

8. Contact Us

For refund requests or any questions about this policy, please reach out to us: