This Refund & Cancellation Policy governs purchases made through the Aditya Joshi platform, including its website, mobile applications, mentorship programs, test series, courses, digital learning content, subscriptions, and other educational services operated by MORVANT VENTURES PRIVATE LIMITED (“Company”, “we”, “us”, or “our”).

By purchasing any course, program, test series, subscription, or digital educational product from us, you acknowledge that you have read and agreed to this Refund & Cancellation Policy.

Operated by: MORVANT VENTURES PRIVATE LIMITED

Last Updated: September 2026

This Refund & Cancellation Policy governs purchases made through the Aditya Joshi platform, including its website, mobile applications, mentorship programs, test series, courses, digital learning content, subscriptions, and other educational services operated by MORVANT VENTURES PRIVATE LIMITED (“Company”, “we”, “us”, or “our”).

By purchasing any course, program, test series, subscription, or digital educational product from us, you acknowledge that you have read and agreed to this Refund & Cancellation Policy.

1. General Refund Policy

The default policy of MORVANT VENTURES PRIVATE LIMITED is that all courses, programs, test series, subscriptions, and digital products are non-refundable unless the specific course or product is expressly identified as refundable at the time of purchase.

Simply purchasing a course does not create a right to a refund.

A refund will be considered only where:

1. The specific course or product is expressly advertised or described as “Refundable,” “Money-Back Guarantee,” “Guaranteed Score Improvement,” or under another clearly stated refund/guarantee policy; and
2. The student satisfies all conditions, eligibility requirements, timelines, and other terms specified for that particular refund policy.

If no refund or money-back provision is specifically mentioned on the relevant course/product page, checkout page, offer, or applicable written terms, the course/product shall be treated as non-refundable.

2. Course-Specific Refund Policies

Different courses and programs may have different refund conditions.

The refund terms applicable to a particular course will be determined by the refund policy specifically communicated for that course at the time of purchase.

Where a course is specifically marked as refundable, the applicable course-specific terms shall take precedence over the general provisions of this policy to the extent of any inconsistency.

Where a course is not specifically marked as refundable, no refund shall ordinarily be available.

3. Surya Plus Paper Prediction Test Series

The Surya Plus Paper Prediction Test Series, including its different editions, versions, batches, mock tests, and related digital test-series products, is a NON-REFUNDABLE PRODUCT, unless MORVANT VENTURES PRIVATE LIMITED expressly announces otherwise for a particular offering in writing.

Accordingly:

• Payment made for Surya Plus is generally final and non-refundable.
• Non-use of the test series does not create an automatic right to a refund.
• Failure to attempt tests, incomplete usage, lack of preparation, change of study plans, change of examination plans, or personal circumstances do not ordinarily qualify for a refund.
• Technical issues, where applicable, may be addressed by the Company through troubleshooting, restoration of access, extension of validity, or another appropriate solution at the Company’s discretion, rather than through a refund.
• Any promotional offer, discount, coupon, or limited-period sale does not alter the non-refundable nature of the product unless expressly stated otherwise.

Any exceptional refund or compensation arrangement, if offered for a particular Surya Plus batch or promotion, will be governed by the specific terms communicated with that offer.

4. Mentorship Program

The Aditya Joshi Mentorship Program is generally NON-REFUNDABLE.

However, MORVANT VENTURES PRIVATE LIMITED may, for selected mentorship intakes or specific promotional offers, introduce a Money-Back Guarantee, Guaranteed Score Improvement, or similar refund-based assurance.

Such a guarantee will apply only when it is expressly mentioned in the relevant course description, enrollment page, offer, or written terms applicable to that particular intake.

A money-back guarantee offered for one mentorship intake shall not automatically apply to:

• Previous or subsequent intakes;
• Other mentorship plans;
• Monthly or yearly plans that do not expressly contain the guarantee;
• Other courses or products offered by MORVANT VENTURES PRIVATE LIMITED.

4.1 Conditions of a Mentorship Money-Back Guarantee

Where a specific mentorship intake includes a money-back or guaranteed score-improvement policy, the student must satisfy all conditions stated in the applicable guarantee terms.

These conditions may include, without limitation:

• Enrollment within the specified intake period;
• Completion of the required onboarding process;
• Following the timetable, study plan, or academic instructions provided by the mentorship team;
• Completing the required assignments, tests, assessments, or study targets;
• Maintaining the required level of participation and engagement;
• Appearing for specified tests or assessments;
• Providing information or documentation required to evaluate eligibility;
• Applying for the refund within the specified claim period; and
• Meeting any minimum performance, participation, or compliance requirements specifically stated for that particular intake.

The exact eligibility requirements and applicable time window will be communicated with the relevant mentorship offer.

A student shall not be eligible for a refund merely because the student’s score did not improve unless the student satisfies the complete conditions of the specific money-back guarantee applicable to their intake.

5. No Automatic Refund Due to Non-Usage

Non-usage or limited usage of a course or service does not automatically make a purchase refundable.

Refunds will not ordinarily be provided merely because a student:

• Did not attend classes;
• Did not attempt tests;
• Did not use the provided study material;
• Did not access the course after purchasing it;
• Changed their study strategy;
• Changed their examination plans;
• Became unavailable to continue the course;
• Purchased the course by mistake; or
• Decided that the course was not suitable for them,

unless the specific course’s applicable refund terms expressly provide otherwise.

6. Duplicate or Erroneous Payments

If a student is charged more than once for the same transaction due to a genuine duplicate payment or payment-processing error, the Company may review the transaction and, where the duplicate payment is verified, process an appropriate refund of the duplicate amount.

The Company may request transaction details, payment references, screenshots, bank statements, or other information reasonably necessary to verify the claim.

7. Refund Request Process

Where a refund is permitted under the applicable course-specific policy, the student must submit a refund request through the official communication channel specified by MORVANT VENTURES PRIVATE LIMITED.

The request should include, where applicable:

• Student’s full name;
• Registered mobile number;
• Registered email address;
• Course/program purchased;
• Order/transaction ID;
• Date of purchase;
• Reason for the refund request;
• Relevant supporting information/documents; and
• Any additional information required under the applicable refund policy.

A refund request does not guarantee approval. The request will be reviewed against the specific refund conditions applicable to the student’s purchase.

8. Refund Review and Approval

Once a valid refund request is received, MORVANT VENTURES PRIVATE LIMITED may verify:

1. The student’s purchase details;
2. The course/product purchased;
3. Whether the product was specifically refundable;
4. Whether the student falls within the applicable refund period;
5. Whether all eligibility requirements have been fulfilled; and
6. Any other conditions specified in the applicable course-specific refund policy.

The Company reserves the right to reject refund requests that do not satisfy the applicable terms.

9. Refund Processing Timeline

Once a refund has been approved, it is generally processed within 15 working days.

The actual time taken for the refunded amount to appear in the student’s bank account, card, UPI account, or other payment method may additionally depend on the payment gateway, bank, card issuer, or financial institution involved.

The Company shall not ordinarily be responsible for delays caused by banks, payment gateways, payment processors, or other third-party financial institutions after the refund has been initiated.

10. Refund Method

Approved refunds will ordinarily be processed through the original payment method used for the transaction, wherever technically and operationally possible.

Where the original payment method cannot receive the refund, the Company may request alternative payment details or follow another reasonable refund procedure.

11. Offers, Discounts and Promotional Sales

Courses purchased under promotional pricing, discounts, coupons, limited-time offers, early-bird offers, festival sales, or other special campaigns remain subject to the refund policy applicable to that particular course.

A discount or promotional offer does not, by itself, make a course refundable.

If the relevant promotional offer expressly states that the purchase is refundable, the refund will be governed by the terms communicated with that offer.

12. Course Access and Refunds

Where a refund is approved, the Company may, where applicable, deactivate, suspend, or revoke the student’s access to the relevant course, test series, mentorship program, digital content, or associated services.

The Company may also revoke access where a refund is processed under a specific money-back guarantee.

The student shall not retain continued access to paid content after receiving a refund unless expressly permitted by the Company in writing.

13. Technical Issues

Temporary technical difficulties, server issues, application errors, payment gateway issues, or other technical problems do not automatically entitle a student to a refund.

Where reasonably possible, the Company may attempt to resolve the issue through:

• Technical troubleshooting;
• Restoration of access;
• Extension of course validity;
• Replacement or restoration of affected content;
• Alternative access arrangements; or
• Another appropriate remedy.

If a specific course’s terms provide a separate remedy for technical issues, those terms shall apply.

14. Misuse, Violation of Terms and Fraudulent Claims

Refunds may be denied where the Company reasonably determines that a refund request involves:

• Misrepresentation of facts;
• Fraudulent or deceptive conduct;
• Unauthorized sharing or distribution of course content;
• Violation of the platform’s Terms & Conditions;
• Unauthorized downloading, copying, recording, or redistribution of educational content;
• Abuse of refund or money-back policies; or
• Any other material violation of the applicable terms of service.

The Company reserves the right to take appropriate action in cases of suspected misuse or fraudulent activity.

15. Changes to Refund Policies

MORVANT VENTURES PRIVATE LIMITED may introduce different refund terms, money-back guarantees, or promotional refund conditions for specific courses, batches, programs, or campaigns from time to time.

Any such special policy will apply only to the specific course, intake, batch, or offer for which it has been expressly announced.

A special refund policy offered for one product or intake shall not be interpreted as creating a refund entitlement for other products or future purchases.

16. Governing Terms

This Refund & Cancellation Policy should be read together with the Terms & Conditions, Privacy Policy, and any course-specific terms applicable to the student’s purchase.

In case of a conflict between this general policy and a specific refund/guarantee policy expressly communicated for a particular course or intake, the specific course-specific refund terms shall govern that particular purchase, to the extent of the conflict.

17. Contact Us

For questions regarding refunds, cancellations, or eligibility under a specific course’s refund policy, students may contact MORVANT VENTURES PRIVATE LIMITED through the official support/contact channels provided on the platform.

All refund requests must be submitted through the officially designated channels of MORVANT VENTURES PRIVATE LIMITED.

MORVANT VENTURES PRIVATE LIMITED reserves the right to review each refund request in accordance with the applicable terms and conditions.

Morvant Ventures Private Limited (“Morvant Ventures”, “we”, “us”, or “our”) operates the Aditya Joshi platform, including our website, web applications, mobile applications, educational products, mentorship programs, test series, and other related services (collectively, the “Service”).

We respect your privacy and are committed to protecting the personal information and digital personal data that you share with us. This Privacy Policy explains what information we collect, why we collect it, how we use and protect it, when it may be shared, and the choices and rights available to you. By accessing or using our Service, you acknowledge that you have read and understood this Privacy Policy.

1. Information We Collect

Depending on how you use our Service, we may collect information that you provide directly to us, including your full name, mobile number, email address, login credentials, account information, date of birth or age where required for a particular service, educational information such as your class, course, examination, institution, or academic preferences, and information provided while registering for mentorship programs, test series, courses, or other products. We may also collect information submitted through forms, surveys, feedback forms, or support requests, as well as communications that you send to us or our support team and information voluntarily provided during mentorship, counselling, or other interactions.

When you purchase a product or service, payments may be processed through third-party payment gateways or service providers. We may receive information such as your transaction ID, payment status, amount paid, product or service purchased, and refund or transaction-related information. Where payment processing is handled directly by a third-party payment provider, your payment card, bank account, UPI, or other payment credentials may be collected and processed by that provider in accordance with its own privacy policy.

When you access our website or applications, certain technical information may also be collected automatically. This may include your IP address, browser type and version, device type, operating system, application version, approximate location information derived from technical data where applicable, language and timezone settings, device identifiers, network information, pages or screens accessed, date and time of access, crash reports, and diagnostic information.

We may also collect information about how you interact with our Service, including tests attempted, courses or content accessed, progress and completion information, features used, session information, search and navigation activity within the Service, and performance and engagement data. This information helps us understand how our products are being used and enables us to improve the user experience.

2. Cookies and Similar Technologies

We may use cookies, pixels, local storage, software development kits (SDKs), and similar technologies to operate and improve our website and applications. These technologies may be used to keep you logged in, remember your preferences, maintain session security, understand website traffic, measure performance, improve functionality, detect errors and security issues, understand how users interact with our Service, and support relevant marketing and advertising activities where applicable.

You may be able to control or disable certain cookies through your browser or device settings. However, disabling essential cookies or similar technologies may affect the availability or functionality of certain features of the Service.

3. How We Use Your Information

We may process your personal information for legitimate and specified purposes, including creating and managing your account, providing courses, test series, mentorship programs, and other services, processing and confirming purchases, providing customer and technical support, communicating with you regarding your account, purchases, services, or support requests, and sending important service-related notifications.

We may also use your information to provide educational recommendations and personalized experiences, track academic progress and service usage, improve our website, applications, products, and educational content, conduct analytics and understand usage patterns, prevent fraud, misuse, unauthorized access, and other security threats, maintain the security and integrity of our systems, comply with applicable laws and regulations, respond to legal processes or governmental requirements, establish, exercise, or defend legal claims, and send promotional or marketing communications where permitted by applicable law. We aim to collect and process only information that is reasonably necessary for the relevant purpose.

4. Consent

Where applicable law requires consent for the processing of personal data, we will seek consent in a clear and understandable manner. You may withdraw your consent where consent is the basis for processing. Withdrawal of consent will not affect the legality of processing carried out before the withdrawal.

Depending on the circumstances, we may also process information where permitted or required under applicable law, including for providing a service requested by you, complying with legal obligations, maintaining security, preventing fraud, or establishing or defending legal claims.

5. Sharing of Information

We do not sell or rent your personal information to third parties. We may, however, share information with trusted third parties where reasonably necessary to operate, provide, secure, or improve our Service.

These third parties may include payment processors and payment gateways, cloud hosting and storage providers, analytics and performance providers, customer support and communication platforms, email, SMS, WhatsApp, or notification service providers, technology and software service providers, security and fraud-prevention providers, and professional advisers such as legal, accounting, or compliance advisers. We may also disclose information to government authorities or law-enforcement agencies where required by applicable law. Information may also be shared with other service providers acting on our behalf and subject to appropriate contractual, confidentiality, and data-protection obligations.

Such third parties may process information only to the extent reasonably necessary for the relevant service or lawful purpose.

6. Educational and Performance Data

If you use our courses, test series, mentorship programs, or other educational services, we may process information relating to your use of those services. This may include information relating to tests attempted, scores and performance, questions attempted, course progress, study activity, completion information, mentorship-related information, feedback, and responses.

We may use this information to provide personalized educational support, measure performance, improve our products, analyze learning patterns, and develop better educational resources. Where we publish testimonials, rankings, achievements, or student results publicly, we will take appropriate steps regarding the information used for such publication and will do so in accordance with applicable law and our applicable terms and permissions.

7. Marketing and Communications

We may contact you regarding your account, purchases and transactions, course or test-series updates, service announcements, customer support, educational information, offers, promotions, or new products, where permitted by applicable law.

You may opt out of certain promotional communications by using the unsubscribe mechanism provided in the relevant communication or by contacting us. You may continue to receive essential service-related communications, including transactional, security, account, or service notifications, even after opting out of promotional communications.

8. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including providing our services, maintaining business and transaction records, complying with applicable legal and regulatory requirements, resolving disputes, enforcing agreements, and preventing fraud or misuse.

The exact retention period may vary depending on the nature of the information, the purpose for which it was collected, the type of service used, applicable legal and regulatory requirements, accounting and transaction requirements, and security or dispute-resolution requirements. When information is no longer required, we may securely delete, anonymize, or otherwise dispose of it in accordance with applicable requirements.

9. Data Security

We take reasonable technical and organizational measures designed to protect personal information against unauthorized access, misuse, alteration, disclosure, loss, or destruction. These measures may include access controls, authentication mechanisms, confidentiality obligations, secure infrastructure, monitoring, and other security practices appropriate to the nature of the information.

However, no method of transmission over the internet or method of electronic storage can be guaranteed to be completely secure. Accordingly, while we take reasonable steps to protect your information, we cannot guarantee absolute security.

10. Your Rights and Choices

Subject to applicable law, you may have rights relating to your personal information, including the right to request access to information relating to you, request correction or updating of inaccurate information, request deletion of personal information where permitted, withdraw consent where consent is the basis for processing, request information regarding the processing of your personal data, and exercise other rights available under applicable data-protection laws.

Requests may be submitted using the contact details provided in the Contact Us section of this Privacy Policy. We may need to verify your identity before processing certain requests in order to protect your account and personal information.

11. Privacy Requests and Grievances

If you have any questions, concerns, complaints, or requests regarding the handling of your personal information, you may contact us at morvantventures@gmail.com. We will make reasonable efforts to review and respond to privacy-related requests and grievances in accordance with applicable law and our internal procedures.

12. Third-Party Services and Links

Our Service may contain links to third-party websites, applications, payment gateways, social media platforms, or other services. We are not responsible for the privacy practices, content, security, or policies of third-party services that we do not control.

We encourage you to review the privacy policies and terms of any third-party service before providing information to them.

13. Children’s Privacy

Our Service is primarily intended for students, learners, and other users who are legally permitted to use the relevant services. We do not knowingly collect personal data from children in violation of applicable law.

Where applicable law requires parental or guardian consent for the processing of a child’s personal data, we will seek such consent through appropriate mechanisms. If you believe that a child has provided personal information to us in circumstances where such collection was not permitted, please contact us at morvantventures@gmail.com so that we can review the matter and take appropriate action.

14. International Data Processing

Depending on the technology providers and service providers used by us, personal information may be processed or stored in India or in other jurisdictions. Where information is transferred or processed outside India, we will take appropriate steps as required by applicable law and our contractual arrangements with relevant service providers.

15. Business Transfers

If Morvant Ventures Private Limited undergoes a merger, acquisition, restructuring, sale of assets, investment, or other business transaction, personal information may be transferred as part of that transaction, subject to applicable law and appropriate safeguards.

16. Changes to This Privacy Policy

We may update or modify this Privacy Policy from time to time to reflect changes in our services, technology, legal requirements, or privacy practices. When we make material changes, we may provide notice through the website, application, email, or other appropriate means where required.

The updated version of this Privacy Policy will indicate the revised “Last Updated” date. We encourage you to periodically review this Privacy Policy to remain informed about how we collect, use, and protect your information.

17. Contact Us

If you have any questions, requests, concerns, or grievances regarding this Privacy Policy or the processing of your personal information, please contact us at:

Morvant Ventures Private Limited Email: morvantventures@gmail.com

By using our Service, you acknowledge that you have read and understood this Privacy Policy.