Payment Terms & Refund Policy

Thank you for choosing CognitiaX AI for your educational needs. Please review our payment terms and refund policy carefully before enrolling in any program.

Section 1: Payment Terms

• Course fees must be paid as per the selected payment plan or installment schedule.
• Full payment may be required at the time of registration unless installment payment is approved.
• Access to the LMS, course content, live classes, recorded sessions, resources, or certification may be restricted if payment obligations are not fulfilled.
• Students may pay online using available payment methods such as UPI, cards, net banking, wallets, or other payment options supported by the payment gateway.
• Offline payments, if accepted, must be recorded and confirmed by the administration team.

Section 2: Installment Policy

• CognitiaX AI may allow installment-based fee payments.
• The minimum online installment amount may be ₹10,000 unless the pending balance is lower than ₹10,000.
• If the pending balance is lower than ₹10,000, the student may pay the remaining balance.
• Fee access and course continuation may depend on timely installment payment.
• Pending dues must be cleared within the timeline communicated by the institute.

Section 3: Refund Policy During Trial Window

• Refund requests can be made within 15 working days of registration, if a trial window is applicable to the selected program.
• Refunds are subject to review and approval by CognitiaX AI.
• Applicable charges, payment gateway fees, administrative charges, or taxes may be deducted from the refund amount.
• No refund will be provided once the trial window has closed.
• No refund will be granted regardless of attendance after the trial period.
• No refund will be issued if more than 10% of the course content has been accessed.
• Content access includes watching videos, downloading materials, attending live sessions, accessing recorded sessions, assignments, resources, or other LMS content.

Section 4: Non-Refundable Cases

Refunds may not be provided in the following cases:

• Student changes their mind after the refund window.
• Student fails to attend classes.
• Student shares login credentials or violates platform rules.
• Student has accessed more than the allowed course content limit.
• Student is suspended due to misconduct or violation of terms.
• Course access is restricted due to pending fees.

Section 5: Refund Processing

• Approved refunds will be processed through the original payment method or another approved method.
• Refund timelines may depend on the bank, payment gateway, or payment method.
• CognitiaX AI is not responsible for delays caused by banks or payment gateway providers.

Section 6: Receipts and Invoices

• A payment receipt or invoice may be generated after successful payment confirmation.
• Students can download invoices from their LMS portal where available.
• Admin can view payment records and receipts from the admin panel.

Section 7: Contact Information

For payment, refund, invoice, or fee-related assistance, contact:

Section 8: Agreement

By registering for a program with CognitiaX AI, you agree to abide by the payment terms and refund policy outlined above.