Refund & Cancellation Policy

Last Updated: October 31, 2026 | Effective Date: October 31, 2026

1. Understanding Digital Product Purchases

At Mosmo Guides, we are committed to complete transparency in our billing and digital fulfillment processes. Our store exclusively sells digital educational products, including downloadable PDF guides, interactive HTML resources, and instructional materials.

Because digital products are delivered instantly upon successful payment verification and cannot be physically returned once downloaded or accessed, our refund policy reflects the specific characteristics of digital goods while strictly complying with the Consumer Protection Act, 2019 and Consumer Protection (E-Commerce) Rules, 2020 of India.

2. Change-of-Mind Purchases

Once a payment is verified and digital download access or delivery has been generated and dispatched to the customer's email or browser screen, purchases are considered executed. Consequently, routine "change-of-mind" refund requests (e.g. deciding after purchase that you no longer wish to learn the topic or purchased by impulse) are not eligible for refunds.

We strongly encourage customers to review the detailed description, preview content, and "What is Included" section on each guide's product page before finalizing checkout.

3. Circumstances Eligible for Full Refund

We gladly issue 100% full refunds or immediate replacements under the following verified conditions:

• Duplicate Payments: If technical lag or multiple clicks resulted in accidental duplicate charges for the exact same guide under the same email address, we will immediately refund the duplicate payment(s).
• Payment Charged but Order Not Generated: If your bank account or card was debited by Razorpay but a network failure prevented our server from receiving verification and your order was never created, the transaction will automatically be refunded back to your source account within standard banking cycles (typically 5 to 7 business days).
• Verified Technical Non-Delivery: If our server fails to deliver access to your purchased guide due to a verifiable technical defect on our platform, and our support team is unable to provide you with functional access or an alternate delivery method (such as direct secure email attachment or Google Drive link) within 48 hours of your notification, you are entitled to a full refund.
• Corrupted or Defective Digital File: If the delivered PDF or HTML file is demonstrably corrupted, unreadable, or missing core content described on the product page, and we are unable to supply a working replacement file within 24 hours.

4. Order Cancellation Policy

Due to our automated, real-time digital delivery pipeline, orders cannot be cancelled between payment authorization and delivery. Delivery occurs in sub-seconds upon payment confirmation. If you believe an unauthorized purchase occurred using your payment credentials, please notify both your bank/card issuer and our support team immediately.

5. How to Submit a Refund Claim

To file a refund request under one of the eligible scenarios listed above, please submit an inquiry through our Contact Page or email support@mosmo.in with:

• Your Full Name and Registered Email Address
• Razorpay Order ID or Payment ID
• Name of the Guide purchased
• Detailed explanation and screenshot of the technical error or duplicate debit

6. Refund Processing Timeline

Approved refunds are processed through our Razorpay merchant gateway directly to your original payment method (UPI, bank account, or card). Razorpay and banking networks typically take between 5 to 7 business days for the funds to reflect on your statement. Mosmo Guides does not charge any processing deduction or restocking fee for approved refunds.

7. Customer Consumer Rights

Nothing in this policy limits or waives any statutory consumer protection rights afforded to you under the Indian Consumer Protection Act, 2019. For escalation or assistance, please reach our customer support team directly at support@mosmo.in.