REFUND & CANCELLATION POLICY

Last Updated: December 27, 2025

INTRODUCTION

Krishna Shorthand Institute operates ShorthandDictation.com to provide quality educational content for shorthand learning.

Our Details:
88, Sulem Sarai, Prayagraj, Uttar Pradesh - 211011, India
Email: krishnashorthandinstitute@gmail.com | Phone: 7355504435

PLEASE READ CAREFULLY BEFORE MAKING ANY PAYMENT.

1. ABSOLUTE NO REFUND POLICY

All Sales Are Final

Once payment is made and processed:

❌ NO REFUND under ANY circumstances
❌ NO CANCELLATION will be entertained
❌ NO EXCHANGE or transfer to another person
❌ NO PARTIAL REFUND for unused portions
❌ NO CREDIT toward future purchases

ALL TRANSACTIONS ARE FINAL, CONCLUSIVE, AND BINDING.

By completing payment, you:

• Acknowledge and accept this NO REFUND policy
• Agree your purchase is non-refundable and non-cancellable
• Waive all rights to claim refunds, chargebacks, or reversals
• Understand payment confirmation = acceptance of services

2. WHY NO REFUNDS?

ShorthandDictation.com provides instant access to digital educational content:

• Shorthand dictations (audio/video), practice materials, PDFs, online learning resources

Digital content cannot be "returned" once accessed. Our NO REFUND policy:

• Prevents content theft and misuse
• Ensures fair compensation for creators
• Follows industry standard for digital platforms
• Is legally recognized and enforceable in India

3. NO REFUND - NOT EVEN FOR:

The following are NOT valid grounds for refund:

Personal Reasons:

• Change of mind, purchased by mistake, lack of time, personal emergencies, financial difficulties

Content-Related:

• Dissatisfaction with content, content not meeting expectations, difficulty level unsuitable, already knew content

Usage-Related:

• Non-attendance, non-use, partial usage, forgot to use before expiry, lost interest

Technical Issues (Your Side):

• Device incompatibility, internet problems, forgotten password, browser issues

Outcome-Related:

• Exam failure, non-selection in jobs, not achieving desired speed, poor performance

Policy Violations:

• Account suspension/termination for Terms violations, misconduct, content theft, credential sharing

Platform Issues:

• Temporary downtime, server maintenance, technical glitches, third-party failures

Force Majeure:

• Natural disasters, pandemics, government restrictions, internet disruptions

Any Other Reason Whatsoever

"I didn't know" or "I didn't read the policy" is NOT a valid excuse.

4. SUBSCRIPTION TERMS

Time-Bound & Non-Transferable

• Validity starts immediately upon payment
• Cannot be paused, frozen, or extended for any reason
• Strictly personal - cannot transfer to others
• Unused time is forfeited upon expiry
• One account = One individual user only

5. COUPON CODES & DISCOUNTS

If you used any coupon code, referral code, or promotional discount:

❌ You are ABSOLUTELY NOT ELIGIBLE for any refund under any circumstances.

All promotional offers are:

• Subject to specific terms and conditions
• Non-transferable and non-refundable
• Cannot be combined unless stated
• Subject to withdrawal without notice

6. CHARGEBACKS = FRAUD

Initiating chargebacks or payment disputes after receiving access is FRAUD.

Consequences:

Immediate:

• Account permanently terminated
• Access blocked immediately
• Details blacklisted from future registration

Legal:

• Civil and criminal action under IPC Section 420 (Fraud) and Indian Contract Act, 1872
• Claims for full subscription amount + legal fees + penalty charges + damages

All legal proceedings in Prayagraj courts only.

Genuine Payment Errors Only:

For actual technical errors (double deduction, payment failed but deducted):

• Contact your bank/payment gateway first
• Email us with transaction proof: Transaction ID, screenshot, bank statement
• We investigate within 15-30 business days
• Resolution at our sole discretion

7. CONTENT & PLATFORM

Content Modifications

We reserve the right to modify, add, remove, or replace content anytime.

NO REFUND for:

• Content changes, structure modifications, schedule changes, quantity variations

Technical Issues

We strive for 24/7 availability but do NOT guarantee uninterrupted service.

NO REFUND for:

• Platform downtime, server maintenance, technical glitches, third-party failures, cyberattacks

8. ACCOUNT TERMINATION

If your account is terminated due to:

• Terms violations, IP infringement, account sharing, misconduct, defamation

You forfeit:

• All access to content
• All fees paid (NO REFUND)
• All rights and claims

9. NO EXCEPTIONS

We DO NOT make exceptions under any circumstances including:

• Medical emergencies, death in family, natural disasters, financial hardship, legal issues

Management Discretion (Rare Cases Only)

In extremely rare cases (solely at our discretion), we MAY consider:

• Additional access time (NOT refund)
• Course credit for future use (NOT refund)

Important:

• Purely voluntary, NOT obligatory
• Does NOT establish precedent
• NOT guaranteed or enforceable
• You CANNOT demand this

10. YOUR RESPONSIBILITY

Before purchasing:

• ✓ Read all Terms & Conditions and policies
• ✓ Review course descriptions and plans
• ✓ Check pricing, validity, features
• ✓ Ensure technical compatibility
• ✓ Use free resources to evaluate
• ✓ Contact us with questions

Contact Before Purchase:
If you have doubts: krishnashorthandinstitute@gmail.com | 7355504435

Do NOT purchase if unsure. Once paid, it's final.

11. CONSUMER PROTECTION COMPLIANCE

This NO REFUND policy is lawful and enforceable under Indian law including Consumer Protection Act, 2019.

Our policy is reasonable because:

• Clearly disclosed before purchase
• Applies to digital content (not physical goods)
• Free resources available for evaluation
• Content delivered immediately
• Standard industry practice

NOT unfair trade practice - we provide clear disclosure, transparent information, and deliver as described.

12. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

ShorthandDictation and Krishna Shorthand Institute shall NOT BE LIABLE for:

• Lost payments or financial losses
• Opportunity costs or lost time
• Emotional distress from non-refundability
• Any consequential, indirect, or incidental damages

You accept:

• All purchases at your own risk
• Full responsibility for purchase decisions
• Permanent loss of payment with no refund
• Waiver of all refund claims

13. GOVERNING LAW & JURISDICTION

Indian Law

Governed by laws of India including:

• Indian Contract Act, 1872
• Consumer Protection Act, 2019
• Information Technology Act, 2000

Exclusive Jurisdiction

ALL DISPUTES shall be subject to EXCLUSIVE JURISDICTION of courts in:

PRAYAGRAJ (ALLAHABAD), UTTAR PRADESH, INDIA ONLY

You irrevocably:

• Agree to Prayagraj court jurisdiction
• Waive objections to venue
• Agree not to file suits elsewhere

14. CONTACT & SUPPORT

Before Purchase (Questions Welcome):

Email: krishnashorthandinstitute@gmail.com
Phone: 7355504435
Address: 88, Sulem Sarai, Prayagraj, UP - 211011

Hours: Monday-Saturday, 10 AM - 6 PM IST

After Purchase:

• Technical support provided (login issues, access problems)
• Refund requests NOT entertained - standard policy reference sent
• Repeated refund requests may result in communication blocking

15. AMENDMENTS

We reserve the absolute right to modify this policy anytime without notice.

Changes effective immediately upon posting. Check regularly - it's your responsibility.

Continued use after changes = acceptance of revised policy.

16. FINAL ACKNOWLEDGMENT

By Completing Payment, You Confirm:

✅ Read and understood this NO REFUND policy completely

✅ Accept all sales are final and non-refundable under ANY circumstances

✅ Waive all rights to refunds, cancellations, chargebacks, or reversals

✅ Making informed purchase with full knowledge of non-refundability

✅ Acknowledge policy is fair, reasonable, and legally enforceable

✅ Agree to exclusive Prayagraj court jurisdiction

✅ Accept "I didn't know" is NOT a valid excuse

✅ Understand account termination = no refund

Payment = Irrevocable Acceptance

When you click "Pay Now":

• You irrevocably accept this NO REFUND policy
• You waive all refund rights
• Transaction becomes final and binding

🚫 CRITICAL REMINDER 🚫

BEFORE PAYMENT - ENSURE YOU:

• Have read all policies completely
• Understand NO REFUND terms
• Are certain about purchase
• Have evaluated free resources
• Have contacted us with questions

ONCE PAID:

• 100% NON-REFUNDABLE
• No exceptions, no special cases
• No refund requests entertained
• All sales absolutely final

THANK YOU FOR CHOOSING SHORTHANDDICTATION.COM

We appreciate your understanding and acceptance of our NO REFUND policy.

© 2025 Krishna Shorthand Institute / ShorthandDictation.com. All Rights Reserved.

By proceeding with payment, you confirm unconditional acceptance of this Refund & Cancellation Policy.