No Refund Policy

Legal Basis and Rationale

CramUp is a digital-only educational platform. Every book, unit, chapter, test question, previous year question paper compilation, and flowchart is delivered electronically and is accessible in full immediately upon confirmed payment. No physical product is shipped.

Under the Consumer Protection Act, 2019 (India) and established principles of e-commerce law, once a digital product has been delivered and the consumer has had access to it, the product is considered consumed. Digital content cannot be physically returned, unread, or repossessed. The value of educational content is inherently inseparable from the act of accessing it — a student cannot "unlearn" material they have read.

Permitting refunds after access has been granted would create an irremediable information asymmetry and would incentivise bad-faith use of the platform — allowing users to access and copy content and then seek a refund. This would directly undermine the sustainability of a platform built to make high-quality academic content affordable to students across India.

What "Purchase" Means on CramUp

A "purchase" on CramUp refers to any transaction that results in paid content access being granted to an account, including:

• Purchase of a single book (any subject, any university, any semester)
• Purchase of a Semester Bundle (all books for one semester)
• Purchase of a Full Degree Plan (all books across the 2-year BEd programme)
• Any other paid plan, bundle, or subscription offered on the platform at any time

A purchase is considered complete and the product delivered at the moment your payment is confirmed — whether via UPI, QR code scan, Razorpay (debit/credit card, net banking, or digital wallet), or any other accepted payment method. From the moment of confirmed payment, this No Refund Policy is in full effect.

Free Preview — Your Protection Before You Buy

CramUp does not ask you to purchase content sight-unseen. Before any transaction, you have access to:

• Chapter 1 of every book — free, no account required. This provides a substantive, representative sample of our writing quality, compression depth, exam-alignment, and content style.
• Full table of contents for every book, visible publicly before purchase, so you know precisely which units, chapters, and topics are included.
• Clear pricing displayed at all times before you reach any payment screen.
• University-specific labels on every book, so you can verify that the book is built for your university and programme before committing.

By proceeding to purchase after this information has been made available to you, you confirm that you have made an informed purchase decision. The free preview is our primary consumer protection mechanism, and is the basis on which this no-refund policy rests.

What Is and Is Not Covered

The table below summarises common scenarios, whether a monetary refund is available, and what (if any) alternative remedy exists:

Access Duration and Technical Issues

Each purchase type carries a defined access period:

• Single Book: 2 years from the confirmed date of purchase (extendable at administrator discretion in verified exceptional circumstances)
• Semester Bundle: Duration of the relevant semester — approximately 4–6 months from the date of purchase
• Full Degree Plan: 2 years from the confirmed date of purchase, covering the full BEd programme

Access expiry is not grounds for a refund. You are purchasing a time-limited licence to access digital content, and the duration is clearly communicated before payment is made. Access begins from the date of confirmed payment — not from the date you first open a book.

Technical access issues: If a technical problem on CramUp's end prevents you from accessing content you have legitimately purchased — such as a platform outage, a content-loading error, or a login system failure — you must notify us within 14 days by emailing hello@cramup.in with the subject line "Technical Access Issue — [Your Phone Number]". We will investigate. Where the fault is demonstrably with our platform, we will extend your access duration by the equivalent verified time lost. We will not issue a monetary refund for technical disruptions.

Payment Disputes and Chargebacks

Filing a payment dispute, chargeback, or reversal request with your bank, card issuer, UPI payment app, or Razorpay — without first contacting CramUp and allowing us a reasonable opportunity to resolve the matter — is a violation of these Terms of Use and may constitute fraud under applicable Indian law.

In the event of a chargeback or payment dispute, CramUp will:

• Immediately suspend the associated account pending investigation
• Compile and submit full evidence to the payment processor and your bank or card issuer, including: transaction ID and timestamp, payment confirmation record, account creation record, IP address at time of purchase, and evidence of access granted
• Contest the chargeback on the grounds that the digital product was delivered in full and irrevocably at the moment of payment confirmation
• Permanently ban the account from CramUp if the chargeback is found to be fraudulent, exaggerated, or made in bad faith
• Reserve the right to pursue legal remedies for damages caused by fraudulent chargebacks

If you have a genuine concern about an unauthorised charge on your payment instrument, please contact us first at hello@cramup.in with the subject line "Payment Concern — [Your Phone Number]". We will investigate and resolve genuine errors promptly, without requiring you to initiate a formal dispute with your bank.

Duplicate Payments — The Only Refund Exception

A duplicate payment occurs when your payment instrument is charged more than once for the identical purchase within the same session, caused by a payment gateway error, network timeout, or browser double-submission. This is the only scenario in which CramUp will issue a monetary refund.

A duplicate payment is not:

• Two separate purchases of different books or plans
• A purchase made by two different people on the same phone number
• A purchase regretted after the fact

To submit a duplicate payment refund request:

1. Email hello@cramup.in with the subject line: "Duplicate Payment — [Your Registered Phone Number]"
2. Include both transaction IDs or UPI reference numbers (both charges)
3. Include the date and approximate time of the transactions
4. Include a screenshot of both charges from your bank statement, UPI app, or Razorpay receipt if available

We will verify the duplicate within 2–3 business days. If verified, the duplicate charge will be refunded to the original payment method within 7–10 business days of verification. Refunds are processed exclusively via the original payment method — UPI refunds go to the originating UPI ID; card refunds go to the originating card. We cannot refund to a different account or instrument.

Consumer Rights Under Indian Law

CramUp's No Refund Policy is drafted in accordance with Indian consumer protection law, including the Consumer Protection Act, 2019, the Information Technology Act, 2000, and applicable e-commerce regulations.

Under Indian law, digital goods and services that have been delivered and accessed by the consumer are generally non-refundable, consistent with this policy. CramUp's free-preview mechanism — providing Chapter 1 of every book at no cost before purchase — satisfies the principle of informed consumer consent prior to a transaction.

If you believe CramUp has engaged in an unfair trade practice or a deficiency of service as defined under the Consumer Protection Act, 2019, you have the right to file a complaint with the appropriate Consumer Disputes Redressal Commission. Before doing so, we strongly encourage you to attempt resolution through our Grievance Officer (contact details in Section 10) to allow us the opportunity to address your concern directly.

Governing Law

This No Refund Policy is governed by and construed in accordance with the laws of India. Any dispute arising from or in connection with this policy shall be subject to the exclusive jurisdiction of the courts located in Dehradun, Uttarakhand, India.

By completing a purchase on CramUp, you acknowledge that you have read, understood, and agreed to this No Refund Policy in its entirety. This policy forms part of the binding agreement between you and CramUp Educational Services, together with the Terms of Use and Privacy Policy.

Contact Us

If you have questions about this policy, a technical access issue, a duplicate payment claim, or any other concern related to your purchase, we are here to help. Please contact us before initiating any third-party dispute process.