1.1 If the payment through the third-party gateway has failed, but the amount has been debited from your bank account, the amount so deducted shall be automatically credited to the said bank account within a period of 14 days, subject to reconciliation, as per the terms of the third-party payment gateway.

1.2 No refund shall be made for any successful transaction through the Payment Gateway services except as set out hereunder.

1.3 When a user discontinues subscription to any course, for any reason whatsoever, User shall not be entitled to any refund of any payment(s) made (including towards the study materials, e-books, add-on courses, etc.).

Further, having regard to the fact that the subscription by the User has effectively deprived VHE of the ability to allot that seat / slot to another prospective User, it is mutually agreed that unless a User discontinues the subscription within :- (a) Date by when Instalment 2 becomes due, or (b) two (2) weeks from commencement of the Course, whichever is earlier, User shall not be entitled to refund of the Course Fee. Provided that where a User discontinues the subscription within the aforesaid period, the user shall be entitled to a refund of 80% of the Course Fee or post deduction of applicable administrative charges or penalty as published in the course page.

1.4 Notwithstanding anything to the contrary elsewhere, VHE shall have no responsibility or liability for any issues pertaining to the outsourced third-party payment gateway. For any such issues pertaining to the third-party payment gateway (including multiple debits, whether successful or not etc.), you may follow up with the third-party gateway or the user’s bank/financial institution concerned.

1.5 No other refunds shall be made other than mentioned above in this clause. Any refund to be made in accordance with terms above shall also be subject to and conditional upon the user being compliant with all other Terms of Service