Refund & Cancellation Policy

You are eligible for a full refund if:

• You request a refund within 7 days of your initial purchase
• You have not consumed more than 30% of the subscription's study content
• Technical issues caused by our platform prevented you from accessing the service

Refunds will not be issued for:

• Requests made after 7 days from the purchase date
• Subscription renewals (you will be notified 3 days before renewal)
• Partial months — subscriptions are billed for full periods
• Cases where the account is found to have violated our Terms of Service
• Change of mind after substantial use of premium features

To request a refund, email us at billing@cognitiveengine.app with:

• Your registered email address
• Your Razorpay Payment ID (found in your payment confirmation email)
• The reason for the refund request

We process refund requests within 5-7 business days. Approved refunds are credited to your original payment method within 7-10 business days, depending on your bank.

You can cancel your subscription at any time from your account settings under "Subscription". Upon cancellation:

• Your subscription remains active until the end of the current billing period
• You will not be charged for the next billing cycle
• Your learning data is retained for 30 days post-cancellation
• You can resubscribe at any time to regain full access

If you believe you have been incorrectly charged, please contact us within 30 days of the charge at billing@cognitiveengine.app before initiating a chargeback with your bank. We will work to resolve the issue promptly.

All payments are processed by Razorpay Payment Solutions Pvt. Ltd. Razorpay is a PCI-DSS certified payment gateway. Your card details are never stored on our servers.

For all billing and refund inquiries: billing@cognitiveengine.app
We aim to respond to all billing queries within 1 business day.