Refund & Cancellation Policy

At RisePaisa, we are committed to delivering the highest caliber of practical financial education for Nepal. We believe in fair dealing, absolute transparency, and mutual respect. This Refund & Cancellation Policy sets out the exact terms, eligible scenarios, and administrative procedures governing refund requests for our online courses and digital resources.

1. The Nature of Digital Educational Products

Unlike physical goods that can be returned in an unused, restockable condition, our courses consist of proprietary on-demand video lectures, downloadable financial modeling spreadsheets, and PDF guides. Upon access activation, these intellectual assets are immediately viewable and usable. Therefore, course fees are generally non-refundable once access credentials or streaming links have been delivered and accessed, subject to the specific eligible conditions set out below.

2. Eligible Circumstances for a Refund

RisePaisa will gladly issue a prompt, full refund under any of the following verified conditions:

1. Duplicate or Accidental Excess Billing: If due to a technical error, wallet delay, or duplicate transaction you were billed more than once for the same course enrollment or product, we will refund 100% of the duplicate amount immediately upon transaction verification.
2. Technical Non-Delivery & Failure to Resolve: If you have completed verified payment and our platform fails to deliver course access credentials or video streaming links, and our technical support team is unable to resolve the access impediment within 48 to 72 business hours after receiving your written notification, you are entitled to a complete, 100% refund.
3. Pre-Activation Cancellation Request: If you enroll in a course and submit a formal cancellation request in writing before your access credentials or private course links have been generated, delivered, or activated on your account.
4. Substantial Material Non-Conformity: If the delivered course material is fundamentally and demonstrably different from the published curriculum outline, or exhibits sustained, irreversible defects preventing learning as recognized under Section 16 of the Consumer Protection Act, 2075, verified following joint inspection with our team.

3. Non-Refundable Circumstances

A refund will NOT be granted under the following circumstances:

• Change of Mind Post-Access: Requests made simply due to a change of personal preference or “buyer’s remorse” after course credentials have been issued and video modules have been accessed or viewed;
• Personal Time & Scheduling Constraints: Inability to dedicate time to complete the course due to employment, academic, or personal schedule conflicts;
• Stock Market Losses & Trading Outcomes: Dissatisfaction arising from your personal investment decisions, trading losses on NEPSE, or broader capital market declines. RisePaisa provides financial education, not investment advice or guaranteed financial returns;
• Violation of Terms & Conditions: Accounts terminated or suspended due to copyright piracy, credential sharing, unauthorized recording, harassment, or breach of our Terms & Conditions;
• Purchases from Unauthorized Resellers: Any transaction executed through unauthorized third parties, group-buys, or fraudulent channels not authorized directly by RisePaisa.

4. Step-by-Step Refund Application Procedure

If you believe you meet one of the eligible refund criteria above, please follow this straightforward procedure:

• Step 1: Submit Written Notice: Send an email to itsaakashdas@gmail.com or message our official WhatsApp support at +977 9740269317 with the subject line: Refund Request - [Course Name] - [Your Full Name].
• Step 2: Provide Verification Details: Include your full name, registered mobile number/email, date of payment, exact payment amount, and the official Transaction Reference ID (from eSewa, Khalti, connectIPS, or your bank transfer receipt), along with a clear description of the issue.
• Step 3: Review & Assessment: Our team will review your application and transaction logs within 3 to 5 business days and communicate an official decision in writing.
• Step 4: Disbursement: If approved, the refund will be remitted back to your original payment source (eSewa wallet, Khalti wallet, or bank account) within 5 to 7 business days. Any standard interbank transfer fees or payment gateway processing charges imposed by external switches will be handled in accordance with banking norms.

5. Fair Consumer Resolution & Inquiries

We treat every student inquiry with empathy and integrity. If you face any technical difficulties with your course videos or learning materials, we strongly encourage you to contact our support team first so we can help you resolve the problem quickly.