Refund & Cancellation Policy

XYIEO is an online education platform operated by ARVIND KUMAR, an individual based in India (“XYIEO”, “we”, “us”, or “our”). We provide medical aspirants with high-quality NCERT-aligned NEET mock tests, performance diagnostics, mistake analytics, and AI tutoring tools. “XYIEO”, “we”, “us”, and “our” refer to the XYIEO platform and its operator. This policy outlines how subscription cancellations, refund requests, and billing disputes are handled under Indian law and the Consumer Protection (E-Commerce) Rules, 2020.

1. Subscription Cancellation

You may cancel your recurring subscription (Starter or Pro, whether Monthly or 6-Month plans) at any time through your Profile settings:

• Continued Access: You will continue to have uninterrupted access to your subscription tier features, test packs, and AI quotas until the end of your current paid billing cycle.
• Deactivation of Mandate: Cancellation immediately deactivates your recurring mandate at the payment gateway (Cashfree), ensuring no future debits occur.
• Graceful Downgrade: Following expiration of the paid period, your account automatically transitions to the standard Free tier without loss of past test history, bookmarks, or notes.

2. Digital Services & Voluntary Refund Principles

XYIEO delivers digital mock test access, automated question evaluation, and NCERT RAG AI diagnostics immediately upon payment confirmation. Because digital inventory, cloud resources, and AI computation are provisioned instantly upon activation:

• Active Utilized Subscriptions: Subscriptions where tests have been attempted, diagnostic reports generated, or AI Tutor/Test Doctor quotas consumed are non-refundable for the current billing cycle.
• Accidental Duplicate Transactions: If you are billed multiple times for the same subscription period due to a payment gateway or network anomaly, we will issue a full refund for the duplicate transaction(s) upon verification.
• Pre-Usage Cooling-Off Window: If you purchased a subscription in error and have not attempted any mock tests or consumed any AI quotas, you may request a cancellation and refund within 24 hours of transaction initiation.

3. Statutory Consumer Protection Qualification

4. Educational Content & Question Disputes

Disputes regarding specific question explanations, syllabus categorization, or official answer key discrepancies do not constitute grounds for automatic transaction chargebacks. All academic content challenges are formally investigated through our grievance redressal process:

• Students can flag disputed questions directly via the Grievance Submission Portal.
• Our academic content review team evaluates disputed items against authoritative NCERT textbooks and official NTA notifications.
• Confirmed question or scoring anomalies are corrected across the platform and test attempts re-scored accordingly.

5. Failed or Dropped Bank Deductions

In the event funds are deducted from your bank account or payment method but your subscription is not activated (e.g., due to bank server timeouts or network drops):

• Our automated webhook reconciler continuously monitors payment status with Cashfree and activates your plan as soon as gateway confirmation is received.
• If the payment is marked uncaptured or dropped by the gateway, the deducted amount is automatically reversed by your bank to the original payment source within 5 to 7 business days.

6. How to Request Billing Assistance & Escalations

To report a billing discrepancy, duplicate debit, or cancellation inquiry, please contact our support team or file a ticket: