Effective Date: 02-Dec-2025
Last Updated: 02-Dec-2025
This Payments, Refund & Cancellation Policy outlines the terms governing fees, subscriptions, payments, refunds and cancellations for services offered by Cognitive Lamp Private Limited (“Cognitive Lamp”, “we”, “our”, or “us”).
By making a payment on the platform, you agree to the terms of this policy.
1. Payments
- Certain services on the Cognitive Lamp platform are offered on a paid or subscription basis.
- Fees, billing cycles and applicable taxes are clearly displayed prior to purchase.
- Payments are processed through secure, RBI-compliant third-party payment gateways.
- Cognitive Lamp does not store full payment card or banking details.
All prices are listed in Indian Rupees (₹), unless stated otherwise.
2. Subscription Plans
- Subscriptions may be monthly, quarterly, annual, or otherwise specified.
- Access to paid features is granted upon successful payment.
- Subscription benefits are non-transferable unless expressly stated.
- Cognitive Lamp reserves the right to modify subscription offerings with prior notice.
3. Cancellations
- Users may request cancellation of a subscription in accordance with the plan terms.
- Cancellation will prevent future billing but may not immediately revoke access to already paid services.
- Institutional or bulk subscriptions may be subject to separate contractual terms.
4. Refund Policy
Refunds are considered under the following circumstances:
- Duplicate or erroneous payments
- Technical issues preventing access to paid services, attributable to the platform
- Statutory or regulatory requirements
Refund eligibility, timelines and processing methods will depend on the specific service or subscription plan.
5. Non-Refundable Cases
Unless otherwise required by law:
- Fees for partially used subscription periods are non-refundable
- Refunds are not provided for dissatisfaction based on individual learning outcomes
- Promotional, discounted, or trial-based offers may be non-refundable
6. Refund Processing
- Approved refunds will be processed through the original payment method where feasible.
- Processing timelines may vary based on the payment gateway or banking system.
- Cognitive Lamp is not responsible for delays caused by third-party payment providers.
7. Institutional & B2B Payments
Payments made by schools, institutions, or organisations may:
- Be governed by separate agreements or invoices
- Follow customised billing, refund, or cancellation terms
Such terms will prevail over this policy where applicable.
8. Taxes & Compliance
- Applicable taxes (including GST, where required) will be charged in accordance with Indian law.
- Users are responsible for providing accurate billing information.
9. Changes to This Policy
This policy may be updated periodically to reflect:
- Business model changes
- Legal or regulatory updates
- Platform enhancements
Updates will be effective upon publication on the website.
10. Contact & Support
For payment-related queries, cancellations, or refund requests, please contact:
Billing & Support Team
Cognitive Lamp Private Limited
📧 Email: admin@cognitivelamp.com
Closing Statement
Cognitive Lamp aims to maintain transparent, fair, and responsible payment practices. Our policies are designed to protect users while ensuring the sustainability and quality of our educational services.