REFUND POLICY

1. Nature of Products

• SureSelect™ / SmartCare™ → Digital products

• Courses (Udemy or similar platforms) → Digital (third-party governed)

• Books → May be digital or physical (via Amazon or publishers)

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2. General Policy

• For SureSelect™ / SmartCare™:

Sales are generally non-refundable once access has been provided

• For Courses / Books:

Refunds are governed by Udemy, Amazon, or respective platforms

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3. Limited Refund Exceptions (Applicable to SureSelect™ / SmartCare™ only)

Refunds may be considered in the following cases:

• Duplicate payment

• Technical issue preventing access

• Legal requirement under applicable law

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4. Refund Request Period

Refund requests must be submitted within 5 days of purchase.

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5. Refund Processing

Where a refund is approved:

• It will be processed within 5 working days after approval

• Subject to availability of correct beneficiary details (such as bank details or valid payment identifier/QR details)

• Refunds will be made through the original payment method or appropriate banking channel

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6. Discretion Clause

All refund decisions are made at our sole discretion after review of the request.

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7. Third-Party Purchases

For purchases made through:

• Udemy or similar platforms

• Amazon (books)

• Other third-party platforms

Their respective refund policies will apply.