Refund Policy

Effective from 8 October 2026 · Version 1.0

We want you to feel comfortable before you commit. This policy explains how refunds work at Arora Derivatives. It is part of our Terms of Use.

1. The free consultation

The consultation is free. No payment is taken to book it.

2. Standard refund window

You can request a refund within 7 days of purchase if you have completed less than 20% of the program. Completion is measured by lessons accessed as shown in your learning account or session records.

3. Refunds that do not depend on the time limit

You are entitled to a full refund of the amount for the affected program, whatever the time limit above, if:

• we do not deliver the program as described (for example it is cancelled, or the promised content or sessions are not provided);
• you were charged twice, or your payment went through but you received no access;
• the program is materially different from how we described it on the website or in your enrolment confirmation.

4. When we cannot refund

• The request is made after 7 days and none of the situations in section 3 apply
• You have completed 20% or more of the program
• Your access was ended because you materially broke the Terms of Use (sharing your account, recording or reselling content)
• You simply made no trading profit. Our programs teach concepts and process and promise no financial result

5. Live and one-to-one programs

If you ask for a refund after some live or one-to-one sessions have been delivered, those sessions are deducted from the refund at the per-session rate stated in your enrolment confirmation. The rest is refunded. If we cancel or miss a session, it is not deducted.

6. What is refunded

• GST: GST paid on the refunded amount is refunded too.
• Payment-gateway charges: we do not deduct payment-gateway charges from your refund.

7. How to request a refund

Write to us at info@aroraderivatives.in with the name, email and phone number you used to enrol, and your payment reference. We will acknowledge your request within 48 hours and tell you our decision in writing, with reasons if we cannot refund.

8. How long it takes

Approved refunds are processed within 7 working days to the original payment method. Your bank may take extra time to show it.

9. Chargebacks

Please write to us before raising a chargeback with your bank. This lets us fix the problem faster. It does not take away your right to raise one.

10. If you disagree with our decision

You can escalate to our Grievance Officer.

11. Your legal rights

This policy does not limit your rights under consumer protection law, including the right to a refund for deficient services.