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Official Cancellation & Refund Guidelines

Refund & Cancellation Policy

Standardized terms governing subscription cancellations, refund timelines, mandatory request IDs, and statutory platform deductions for Navgyan (navgyan.in), operated by SanghTech.

Effective Date: October 2026 • Strict 24-Hour Policy Window

Strict 24 Hours
Maximum Claim Window
Mandatory Request ID
Written Desk Authorization
Mon–Fri: 11 AM–4 PM
Verification Hours
1 Nature of Digital Academic Service & General Rule

Navgyan (navgyan.in), owned and operated by SanghTech, provides immediate, cloud-delivered academic test packages, automated question randomization engines, instant scoring, and performance analytics.

Upon successful online payment, academic digital assets and test series access are instantaneously unlocked and provisioned to the student account. Therefore, digital subscriptions are generally deemed consumed upon activation. However, to maintain consumer transparency and fairness, SanghTech provides a strictly regulated, conditional refund mechanism under the express terms set forth below.

2 Strict 24-Hour Timeframe Limitation

Immediate 24-Hour Cut-off: Any refund request must be lodged and formally registered within exactly 24 hours of the original transaction timestamp, directly through our official communication channels (care@navgyan.in or care@sanghtech.com).

Permanent Extinguishment: Under no circumstances whatsoever will any refund request, cancellation notice, or dispute be entertained, considered, or approved once 24 hours have elapsed from the time of transaction. Any claim submitted after 24 hours is permanently and irrevocably barred.
3 Mandatory Official Refund Request ID

Requirement of Written Confirmation: Merely sending an informal message, calling an advisor, or dispatching an unacknowledged email does NOT constitute an eligible refund claim.

  • The user/parent must receive a formal written Refund Request ID generated and issued directly by our official customer support desk via email.
  • Any verbal promise, unverified correspondence, or informal claim lacking a valid, verified Refund Request ID will be summarily rejected without further review.
  • The issuance of a Refund Request ID signifies that a review has been initiated; it does not automatically imply or guarantee refund approval.
4 Official Verification & Processing Window

All refund requests are reviewed and processed solely on legitimate, verifiable technical or billing grounds, subject to management verification.

  • Processing Hours: Refund verifications, account audits, and customer support queries are handled strictly during official business hours: Monday through Friday, between 11:00 AM and 4:00 PM IST (excluding second/fourth Saturdays, Sundays, and gazetted national/banking holidays).
  • Turnaround Time: Once approved, the refund will be credited back to the original source payment instrument within 5 to 7 business banking days, subject to the customer's bank settlement cycle.
5 Mandatory Deductions & Net Refund Computation

If a refund is approved by management following technical audit, the refund shall NOT be for the full gross amount. The net refund disbursed will be subject to mandatory statutory and administrative deductions:

  • Payment Gateway Transaction Charges: Non-refundable gateway processing fees (typically 2.0% to 3.0% plus applicable GST) levied by payment aggregators (e.g. Razorpay, Cashfree, Stripe).
  • Platform Convenience & Server Bandwidth Fee: Proportionate cloud provisioning charges incurred during account creation.
  • Administrative & Office Expenses: A mandatory operational and verification handling fee (minimum 25% of the gross package fee).
Net Refund Formula: Net Refund = Gross Amount Paid − [Gateway Charges + Platform Fee + Administrative Expenses].
6 Strict Zero Liability for Offline & Third-Party Transactions
ABSOLUTE PROHIBITION ON THIRD-PARTY REFUNDS:
SanghTech and Navgyan never authorize any field agent, sales person, advisor, teacher, or student to collect direct payments in cash or personal accounts.

Any offline payments, cash handovers, or personal UPI transfers made to any individual or entity outside the official portal payment gateway are completely non-refundable by Navgyan/SanghTech. The Company bears zero financial or legal liability for unauthorized third-party transactions.

7 Official Refund Request Submission Protocol

To lodge an eligible refund request within the stipulated 24-hour window, please send an email containing:

  • Registered Student Name & 10-Digit Mobile Number (Login ID)
  • Official Payment Order ID & Payment Gateway Invoice Number
  • Exact Date and Timestamp of Transaction
  • Specific, Verifiable Reason for Refund Request
Official Support Desks for Refund Inquiries:

Primary Customer Care: care@navgyan.in

Corporate Escalation Desk: care@sanghtech.com

Operating Hours: Monday to Friday | 11:00 AM – 4:00 PM IST • Jurisdiction: Jaipur, Rajasthan, India