Refund Policy

Last updated: December 2024

Introduction

Thank you for choosing ICGA for your career assessment and guidance needs. This Refund Policy outlines the terms and conditions for refunds of payments made for our services, operated by India Decision Management, a registered partnership firm.

1. General No-Refund Policy

Services Covered by No-Refund Policy

• AI-powered career assessment reports
• Personality and aptitude test results
• One-on-one career counselling sessions (completed)
• SMART goal setting sessions (completed)
• Personalised career roadmaps
• Assessment reports and recommendations

Our career guidance services are knowledge-based digital products and personalised consultations. Once delivered, the value has been transferred to the customer and cannot be returned.

2. Exceptional Refund Circumstances

2.1 Multiple Payments

2.2 Technical Failures

• Payment processed but service access not provided due to system error
• Double charging due to payment gateway issues
• Unauthorised transactions (subject to investigation)
• Service completely unavailable due to technical issues on our end

2.3 Service Not Delivered

If we are unable to deliver the purchased service due to circumstances within our control, a full refund will be provided.

3. Refund Process

3.1 How to Request a Refund

1. Contact us via email at reachidm@indiadecisionmanagement.com
2. Include your transaction ID, payment details, and reason for refund request
3. Provide any supporting documentation if applicable
4. Allow us to investigate the matter within 3–5 business days

3.2 Refund Timeline

• Investigation Period: 3–5 business days
• Approval Process: 2–3 business days
• Refund Processing: 7 working days from approval
• Maximum Timeline: 15 working days in exceptional cases

3.3 Refund Method

Refunds are issued via the same payment method used for the original transaction:

• Credit/Debit Card: 5–7 business days
• Net Banking: 3–5 business days
• UPI: 1–3 business days
• Digital Wallets: 1–3 business days

4. Cancellation Policy

Once payment is made and the service has been delivered, we do not allow cancellations. Cancellations may be possible in limited circumstances before service delivery:

• Cancellation within 2 hours of payment (before assessment access is provided)
• Cancellation due to technical issues preventing service access
• Mutual agreement between customer and ICGA team

5. Rescheduling Policy

• Request must be made at least 24 hours before the scheduled session
• Valid reason must be provided (medical emergency, family emergency, etc.)
• Rescheduling is subject to mentor availability
• Maximum of 2 rescheduling attempts per booking
• Rescheduled sessions must be completed within 60 days of original booking

6. International Customers

• Refunds will be processed in the original currency of payment
• Exchange rate fluctuations may affect the refunded amount
• International payment gateway fees are non-refundable
• Refund timeline may extend by 2–3 additional business days for international processing

7. Contact for Refund Queries

8. Changes to Refund Policy

We reserve the right to modify this refund policy at any time. Any changes will be updated on this page with a new "Last Updated" date. Continued use of our services after policy changes constitutes acceptance of the new terms.