3.1 General Principle

Grow is a digital or custom-service offering where content, tools, access rights, analytics, or professional time may be consumed immediately. Refunds are therefore limited and governed by this policy.

 

3.2 Point of Access, Consumption, or Commencement

For Grow, the service is deemed accessed, consumed, or commenced when any of the following occurs:

1. activating a paid plan or free trial that unlocks paid functionality

2. logging into the Grow dashboard after purchase or plan activation

3. viewing any paid question, answer explanation, mock test, assignment, custom test, score report, analytics panel, or dashboard feature

4. starting or submitting any test or quiz

5. creating a custom test or accessing performance analysis

 

3.3 Refund Rule

Grow subscriptions are non-refundable once a user activates a paid plan, starts a test, views paid questions, views explanations, uses custom tests, or accesses analytics, except verified duplicate, failed, or platform-side billing errors.

 

3.4 Failed, Duplicate, or Excess Payments

If payment is debited but the order is not confirmed, or if duplicate or excess payment is made, the user must email support@physiosimplified.com with registered name, mobile number, email, order ID, transaction ID, screenshot, bank reference, and service purchased.

Verified failed, duplicate, or excess payments shall be refunded to the original payment method within 5 to 7 working days from verification, subject to bank, card network, UPI, wallet, and payment gateway timelines.

 

3.5 Payment Gateway and Convenience Fees

Payment gateway charges, convenience fees, transaction charges, taxes, and non-recoverable administrative costs may be deducted from refunds unless the refund is due solely to a verified platform-side error attributable to Physiosimplified.

 

3.6 Chargebacks and Complaint Timeline

Users must contact Physiosimplified support before raising chargebacks. Fraudulent chargebacks, false non-delivery claims, or disputes after access/consumption may lead to suspension of access, blocking of future services, recovery proceedings, and legal action.

Refund complaints shall be acknowledged within 48 hours and redressed within one month from receipt, subject to verification, user cooperation, third-party timelines, and legal requirements.