Refund & Cancellation Policy

1. Scope

This policy applies to all payments made to SkillCred for cohort places, PAT bundles and booking deposits, whether paid through the website or by any other means. It forms part of our Terms of Service. Words defined in the Terms have the same meaning here.

2. What You Are Buying

A SkillCred programme is a place in a specific, time-bound cohort with live mentor sessions, project verification and, where purchased, a project-based assessment. It is not an open-ended subscription or lifetime content library. Because a place occupies finite mentor capacity, the refund position tightens once a cohort has begun.

3. Refund Schedule

Refund entitlement is determined by when we receive your written cancellation request relative to the cohort start date published at the time of enrolment.

Booking deposits are fully refundable up to the cohort start date and are credited in full against the programme fee on enrolment.

4. Cancellation by SkillCred

If we cancel a cohort before it starts, including where minimum enrolment is not reached, you will receive a full refund of all amounts paid, or you may choose to transfer to the next available cohort. If we discontinue a cohort after it has started for reasons within our control, you will receive a pro-rata refund for the undelivered portion.

5. How to Request a Refund

• Email support@skillcred.in from the address used at enrolment, with the subject line “Refund request”.
• Include your full name, registered phone number, the track and cohort you enrolled in, the payment reference, and the date of payment.
• We will acknowledge your request within 2 working days and confirm the outcome within 7 working days.
• Approved refunds are initiated through our payment gateway, Razorpay, and returned to the original payment method. Razorpay processes normal refunds within 5–7 working days. Your bank or card issuer may take additional time to credit the amount.

We do not process refunds to a different account or instrument from the one used to pay, except where the original instrument has been closed and you provide documentary evidence.

6. Deferral Instead of Refund

If your circumstances change, you may request a one-time deferral to the next available cohort in the same track instead of a refund, at any point up to the end of week 3. Deferral is free of charge and your fee is carried across in full. A deferred place must be taken up within 12 months. Where the fee for the later cohort is higher, we will honour the price you originally paid.

7. Transfers Between Tracks

You may request a transfer to a different track before the end of week 1. Where the new track costs more, the difference is payable; where it costs less, the difference is refunded. Transfers after week 1 are at our discretion and depend on mentor capacity.

8. Non-Refundable Items

• Hardware kits, once dispatched or purchased by you directly, unless faulty. Hardware kits are not supplied by SkillCred and are purchased in your own name.
• Third-party services, cloud credits, API usage or developer account fees paid by you to external providers.
• Certificate or credential re-issue fees, where applicable.
• Fees where a place has been terminated for a material breach of the Code of Conduct in our Terms of Service.

9. Credentials After a Refund

If your fee is refunded in whole or in part, any SkillCred credential, verified portfolio entry or recommendation letter issued in connection with that cohort is withdrawn, and your candidate profile is removed from recruiter visibility. You retain ownership of the code and materials you created.

10. Chargebacks

If you believe a payment is incorrect, please contact us before raising a chargeback with your bank. We will always attempt to resolve a genuine billing issue directly and quickly. Raising a chargeback without first contacting us may delay resolution and, where the chargeback is not upheld, may result in suspension of access pending settlement.

11. Consumer Rights

Nothing in this policy limits your statutory rights under the Consumer Protection Act 2019 or the Consumer Protection (E-Commerce) Rules 2020. If you are dissatisfied with how a refund request has been handled, you may escalate to our grievance officer using the contact details below, and thereafter to the appropriate consumer forum.

12. Contact