Cancellation & Refund Policy

Global Fin X Academy offers digital-only educational products. LMS access is set up automatically, usually within minutes, once a card, net banking or wallet payment is confirmed, and usually within 30 minutes once we have verified a manual UPI payment (see section 2). If you haven't received access within 24 hours of paying, contact us. Due to the near-instantaneous nature of digital delivery, our cancellation window is very short:

• Before Payment: You may abandon your checkout at any time before completing payment, with no charge. When you start checkout we create a pending order with your name, email and phone so you can resume it later (we may email you a link to do so). A pending order is never charged, and you can ask us to delete it at info@globalfinx.in.
• Within 1 Hour of Payment (LMS Not Yet Accessed): If you have not yet received or used your LMS login credentials, you may email info@globalfinx.in within 1 hour of your payment being confirmed. We will review the request individually. Include your order reference (for example GFX-1A2B3C4D, shown at checkout and in our emails) or your Razorpay Payment ID, and your registered email address.
• After LMS Access is Granted: Once you have received login credentials and/or accessed any course material in the LMS, the order cannot be cancelled and no refund will be issued under any circumstances.

Example: You complete payment at 10:00 AM but realise you enrolled in the wrong paper. If you contact us by 10:59 AM before logging into the LMS, we will review your request. If you contact us at 11:05 AM after already accessing the LMS, no cancellation is possible.

Checkout at globalfinx.in offers two ways to pay:

• Card, net banking, wallet or EMI, via Razorpay. These payments are processed by Razorpay Software Private Limited, a payment gateway authorised by the Reserve Bank of India. Razorpay adds its gateway fee, shown before you pay. LMS access is set up automatically once Razorpay confirms the payment. Monthly LMS subscriptions are only available this way.
• Manual UPI, paid directly to Global Fin X Academy. No gateway fee applies. You pay the exact amount shown at checkout to our UPI ID from any UPI app; the order reference (e.g. GFX-1A2B3C4D) is added to the UPI note automatically. You then send us the payment screenshot on WhatsApp and tap "I've sent the screenshot". We match the payment against our bank records and set up LMS access, usually within 30 minutes. You can follow the order on the page linked at checkout and in our "payment received" email. If we cannot match a payment, we will contact you; please don't pay twice.

Global Fin X Academy never sees or stores your card number, CVV, UPI PIN or banking password. Card payments are handled by Razorpay in accordance with PCI-DSS standards; for manual UPI we only see the payment as it arrives in our bank account.

Refund Processing: Any refund approved by us (at our sole discretion, as described in this policy) is paid back by the same route you used: card, net banking, wallet and EMI payments through Razorpay; manual UPI payments by UPI or bank transfer to the account the payment came from. Refunds typically reflect within:

• UPI via Razorpay: Instantly to 1 business day
• Manual UPI: Within 5–7 business days of approval
• Debit card / Net banking: 2–5 business days
• Credit card: 5–7 business days (depending on your card issuer's billing cycle)
• EMI: Up to 7–10 business days; your outstanding EMI balance may be adjusted by your lender

Global Fin X Academy is not responsible for delays in credit caused by your bank, card network, or UPI provider after we have initiated the refund. For card, net banking, wallet or EMI payments you may also contact Razorpay Support using the Payment ID from your bank statement if a refund is delayed beyond the timelines above.

Failed or Duplicate Payments: If money left your account but you did not receive LMS access within 24 hours, contact us at info@globalfinx.in or on WhatsApp with your order reference (GFX-…) or Razorpay Payment ID. Failed or duplicate charges are refunded in full within 5–7 business days.

To ensure our teaching methodology aligns with your learning style, we provide extensive opportunities to evaluate our courses before enrolment:

• On-Site Demo Videos: Every course page features free demo videos covering core concepts so you can assess the quality and style of teaching.
• Video Library: Visit globalfinx.in/videos for curated subject playlists across ACCA, CMA US, and Dip IFRS.
• YouTube Channel: We maintain an open library of 250+ free videos on our official YouTube channel (@GlobalFinX) so you can assess the depth and clarity of instruction by Sai Manikanta Pedamallu.
• Student Responsibility: By completing payment, you acknowledge that you have utilised these free resources to confirm the course is suitable for your needs. "I didn't know what the teaching was like" is not accepted as a basis for a refund claim.

Due to the digital nature of our educational platform and the immediate delivery of intellectual property upon payment, Global Fin X Academy maintains a strict no-refund policy once LMS access has been granted.

• Immediate Access: Once your payment is confirmed (by Razorpay, or by us for manual UPI), your LMS account is provisioned and you receive instant access to proprietary video lectures and exclusive digital resources. The service is considered fully rendered at the point of LMS access.
• No Partial Refunds: Refunds will not be issued on the basis of partial completion of a course, dissatisfaction with exam results, a change in career plans, or any other reason once LMS access has been activated.
• Non-Transferability: Enrolments are personal to the individual named at checkout and are non-transferable. Access cannot be shared, sold, gifted, or exchanged for a different course or paper.

Example: You enrol in ACCA Paper AFM, access the LMS, watch the first three lectures, and then decide to focus on a different paper. No refund will be issued for the AFM course fee.

For the Dip IFRS All-Inclusive Bundle, we offer an optional two-instalment payment arrangement. The following refund and cancellation terms apply specifically to this arrangement:

• Instalment 1 (paid at enrolment): Grants immediate LMS access. Once access is granted, Instalment 1 is subject to the standard zero-refund policy above and is non-refundable.
• Instalment 2 (paid by UPI after we contact you, before the exam window — there is no online checkout for it): This amount is also non-refundable once paid, as the full course service has already been made available from the time Instalment 1 was paid.
• Failure to Pay Instalment 2: If Instalment 2 is not paid by the agreed due date, we may suspend your LMS access until the outstanding amount is settled. Suspension due to non-payment of Instalment 2 does not entitle you to a refund of Instalment 1.
• Combined Obligation: Both instalments together constitute the full course fee. By paying Instalment 1 and accessing the LMS, you contractually commit to paying Instalment 2 on the agreed date, irrespective of whether you ultimately sit the examination.

Example: Full Dip IFRS bundle price is ₹45,000. You pay Instalment 1 of ₹30,000 and access the LMS. If you later decide not to sit the exam, you are still liable to pay Instalment 2 of ₹15,000 on the agreed date, and Instalment 1 is not refundable.

We understand that work, exams, health and family can disrupt a study plan, and that not every exam is passed at the first attempt. We do not charge for extensions.

• Initial Access: 6 months for each ACCA paper; 1 year for the Dip IFRS and CMA US courses (unless the course page states a different period at purchase, e.g. revision-only plans).
• Extended Until You Pass: If you have not yet passed the exam for the course or paper you enrolled in, we extend your access free of charge until you pass.
• How to Apply: Extensions are given on request and are not applied automatically. Write to info@globalfinx.in or message us on WhatsApp.
• Scope: An extension covers the same course content and view-time limits as your original enrolment. It does not apply to accounts terminated for misuse (see Section 7) or to cancelled subscriptions.

Example: You enrolled in CMA US Part 1 and sat the exam in June but did not pass. You message us, and we extend your access free of charge so you can prepare for your next attempt.

• View-Time Limit: Each lecture includes a view-time allowance of 3× its length for ACCA courses and 5× for Dip IFRS and CMA US courses (e.g., a 60-minute video can be watched for a total of 180 or 300 minutes respectively, across all sessions). This is enforced at the platform level to protect intellectual property and encourage focused study.
• Technical Downtime: In the unlikely event of a verified technical platform failure preventing LMS access for more than 48 continuous hours, our team will provide a compensatory validity extension equal to the verified downtime. No monetary refund will be issued for platform downtime.
• Personal Use Only: Course access is for the registered student only. Sharing login credentials or allowing others to use your account will result in immediate termination without refund.

For questions about this policy, to request a validity extension, or to report a payment discrepancy, please contact us through any of the following channels:

If you believe your grievance has not been addressed satisfactorily within 15 business days, you may escalate the matter to the Grievance Officer: