Refund & Returns Policy

1. Scope of This Policy

This Refund & Returns Policy applies to educational courses, trading programs, mentorship services and other paid learning services offered by Trading Wisdom 360 through its website or other authorised channels.

Different programs may have different delivery formats, schedules, inclusions and cancellation conditions. Where a specific program has additional refund or cancellation terms, those terms will apply to that program to the extent permitted by applicable law.

2. Before You Enrol

Before purchasing a program, customers are encouraged to review the information provided for that program, including:

• Program name
• Course or mentorship description
• Learning format
• Program duration, where specified
• Fees and applicable charges
• Program inclusions
• Batch or schedule information
• Any program-specific terms

If you have questions about a program before making payment, please contact our team so that we can provide the available information.

3. Cancellation Requests

If you wish to cancel your enrolment, please contact Trading Wisdom 360 as soon as possible using the contact details provided below.

Cancellation requests should include sufficient information to identify the enrolment or payment, such as the student's name, registered contact details, program name and payment information or transaction reference where available.

A cancellation request does not automatically mean that a refund will be issued. Eligibility will depend on the applicable program terms, the stage of service delivery, any digital or educational access already provided, and applicable law.

4. Refund Eligibility

Refund eligibility is determined according to the terms communicated for the relevant program and applicable consumer-protection requirements.

Where a refund is available, the amount may depend on factors including:

• The program purchased
• Whether the program has started
• Whether classes or mentorship sessions have already been delivered
• Whether digital or educational materials have already been accessed
• Whether other included services have already been provided
• The specific cancellation terms applicable to the program
• Applicable law

We will not use a refund condition to exclude any consumer right that cannot lawfully be excluded.

5. Educational and Digital Content

Some Trading Wisdom 360 programs may include access to digital educational materials, recorded resources, workbooks, community access, tools or other digital components.

Where digital content or other educational services have already been made available or delivered, refund eligibility may be affected by the applicable program terms and applicable law.

Customers should therefore review the program details before requesting access or completing payment.

6. Classroom Programs

Classroom programs may involve scheduled batches, reserved seats, instructor time, classroom arrangements and other resources.

If a customer requests cancellation after a classroom program has been scheduled or commenced, the applicable program terms will determine whether a refund, partial refund, transfer or other resolution is available.

7. Live Online Programs

Live-online programs may involve scheduled instructor sessions, online learning resources and access to program-specific services.

If a cancellation request is made after live sessions or other program services have already been delivered, the refund eligibility may be affected by the applicable program terms and applicable law.

8. Mentorship Programs

Mentorship programs may include scheduled consultations, educational sessions, learning resources, trading-development activities and other support components.

Because mentorship involves time allocated specifically to a participant, cancellation and refund requests may be assessed based on the stage of service delivery and the terms applicable to the particular mentorship program.

9. Program Changes or Rescheduling

In certain circumstances, a student may request a change of batch or rescheduling instead of cancellation.

Any transfer or rescheduling request is subject to availability and the terms of the relevant program. Rescheduling is not automatically available for every program.

Where Trading Wisdom 360 needs to change or reschedule a program, we will communicate the relevant information to affected participants and provide an appropriate resolution in accordance with the applicable program terms and law.

10. Duplicate or Incorrect Payments

If you believe that you have made a duplicate payment or that a payment was processed incorrectly, please contact us promptly.

We may request transaction details or other information necessary to verify the payment before processing an appropriate correction or refund.

11. Payment Gateway Transactions

Payments may be processed through third-party payment service providers.

A payment provider may have its own terms, transaction procedures and dispute-resolution processes.

Where a payment has been successfully received by Trading Wisdom 360, refund requests will be handled according to this policy and the applicable program terms, subject to applicable law.

12. Refund Processing

Where a refund is approved, the refund will generally be processed using the original payment method where reasonably possible.

The time taken for the refunded amount to appear in the customer's account may depend on the payment provider, bank or financial institution.

Trading Wisdom 360 cannot control the processing time of a customer's bank or third-party payment provider.

13. Non-Refundable Situations

Subject to applicable law and the specific terms of the purchased program, a refund may not be available in circumstances such as:

• The participant has already received substantial portions of the educational service.
• Digital educational resources have already been provided or accessed.
• Scheduled mentorship or consultation services have already been delivered.
• The participant does not attend a scheduled class without following the applicable cancellation or rescheduling process.
• The participant changes their mind after receiving or accessing services, where applicable law permits the relevant restriction.

These situations do not override any mandatory consumer rights that apply under applicable law.

14. Service Issues

If you believe that a program or service has not been provided as described, please contact us with details of the issue.

We will review the concern and, where appropriate, may provide a correction, replacement service, rescheduling option, partial refund or other suitable resolution depending on the circumstances and applicable law.

15. No Guarantee of Trading Results

Trading Wisdom 360 provides educational and training services.

Course fees are paid for educational services and access to the relevant program, not for guaranteed trading profits, investment returns or income.

Trading involves financial risk, and individual trading outcomes depend on many factors. No educational program can guarantee profits or eliminate the possibility of loss.

16. How to Request a Refund or Cancellation

To request a cancellation or refund review, contact us using the details below.

Please include:

• Your full name
• Email address or phone number used during registration
• Name of the program
• Date of payment, where available
• Transaction or payment reference, where available
• Reason for the request

17. Contact Us

18. Consumer Rights

Nothing in this Refund & Returns Policy is intended to remove, restrict or waive any consumer right that cannot lawfully be excluded or restricted under applicable Indian law.

Where applicable, consumers may have rights and remedies under Indian consumer-protection legislation and other applicable laws.

19. Changes to This Policy

Trading Wisdom 360 may update this Refund & Returns Policy from time to time to reflect changes in our services, payment processes, program terms or applicable legal requirements.

The latest version will be published on this page.

20. Effective Date

Effective Date: September 27, 2026