Refund & Cancellation Policy

If JRFSmart is not what you expected, tell us within 7 days of paying and we will refund you in full. You do not have to give a reason.

1. The 7-day full refund

This applies to all paid passes — the 1-month pass, the till-exam pass and the annual pass — and it applies whether or not you have used the Service during those 7 days.

2. Why we offer this

JRFSmart is a new and independent site. You have no way of knowing, before you pay, whether our explanations are any good. A refund promise is the only honest way we can ask you to take that risk. If the work is as good as we think it is, we will not need to pay out often.

3. How to request a refund

Email support@jrfsmart.com from the email address on your account, with:

• The subject line "Refund request";
• The date you paid, and the amount;
• Your payment reference, if you have it (it is in your receipt email — but if you cannot find it, send the request anyway and we will look it up).

That is all. A reason is welcome but not required.

4. How long it takes

The refund goes back to the original payment method — the same card, UPI ID or account you paid from. We cannot send it anywhere else. This is a rule set by the payment gateway, not by us, and it exists to prevent fraud.

Your access ends when the refund is initiated.

5. After the 7 days

Once the 7-day window has passed, passes are non-refundable and we do not offer partial or pro-rata refunds for the unused portion. Please use the free tier and the 7-day window to satisfy yourself before committing.

Two exceptions, where we will refund a pro-rata amount even after 7 days:

• If we discontinue the Service while your pass is still running;
• If we terminate your account for a reason that is not a breach of our Terms & Conditions.

6. Cancellation

There is nothing to cancel. All our passes are one-time payments for a fixed period. There is no subscription, no auto-renewal, and no recurring mandate on your card or UPI. Nothing will ever be deducted from your account after your initial payment.

When your pass expires, your access simply reverts to the free tier. Your progress, mistake bank and history are kept, so if you buy another pass later you pick up exactly where you left off.

7. Payment problems that are not refunds

You were charged but did not get access

This is almost always a delayed confirmation from the payment gateway. Wait 30 minutes. If you still do not have access, email support@jrfsmart.com with your transaction reference and we will activate your pass manually — usually the same day. This is not a refund; you keep what you paid for.

You were charged twice

Email us. We refund the duplicate in full, immediately, and it does not count against your 7-day window.

The payment failed but money left your account

This means the gateway never completed the transaction, and your bank is holding the amount temporarily. It is normally reversed automatically within 5–7 working days without anyone doing anything. If it has not come back after 7 working days, email us with the reference and we will raise it with the gateway on your behalf.

8. Refusals

We may decline a refund where we have evidence of abuse — for example, an account that has been shared with others, or one used to extract content in bulk, in breach of section 7 of our Terms & Conditions. If we decline, we will tell you exactly why.

9. Still not satisfied

If you are unhappy with how we have handled a refund, write to our grievance officer — details on the Contact page. We would much rather resolve it directly than have you raise a chargeback with your bank.