1. General Policy

At Amit Library, we strive to provide the best services to our members. This Refund Policy applies to all payments made for library memberships and courses through our website amitlibraryobra.in or at our physical location. By making a payment, you agree to the terms of this Refund Policy.

2. Library Membership Refund Policy

• Within 24 Hours of Purchase: Full refund (100%) if requested within 24 hours of payment and the membership has not been activated/used.
• Before Membership Start Date: Full refund minus a 10% administrative processing fee if cancelled before the membership start date.
• After Membership Activation: No refund will be provided once the membership is activated and the member has started using the library facilities.
• Library Closure: Pro-rata refund will be provided if the library remains closed for more than 7 consecutive days due to unavoidable circumstances (natural disasters, government orders, pandemics, etc.).
• Force Majeure: In case of permanent closure of the library due to force majeure events, pro-rata refund will be calculated and processed within 30 days.

3. Course Enrollment Refund Policy

• Before Course Start (7+ days): Full refund minus 10% processing fee if cancellation is requested at least 7 days before the course start date.
• Before Course Start (1-6 days): 75% refund if cancellation is requested 1-6 days before the course start date.
• Within First 7 Days: 50% refund if cancellation is requested within the first 7 days of the course.
• After First 7 Days: No refund will be provided after the first 7 days of the course.
• Course Cancellation by Library: Full 100% refund if the course is cancelled by Amit Library for any reason. Refund will be processed within 15 working days.
• Course Postponement: If the library postpones a course by more than 15 days, members can opt for a full refund or transfer to the next batch.

4. Failed Transactions and Duplicate Payments

• If a payment fails but the amount is deducted from your account, the amount will be automatically refunded by Razorpay within 5-7 business days.
• In case of duplicate payments for the same service, the duplicate amount will be refunded in full within 10 working days after verification.
• Amit Library is not responsible for delays in refunds caused by the customer's bank or payment provider.

5. Refund Process

• Refund requests must be submitted in writing via email to amitlibraryobra@gmail.com or in person at the library.
• Requests must include: Full Name, Registered Phone Number, Payment Receipt/Transaction ID, and Reason for refund.
• Refund requests will be reviewed within 5 working days of submission.
• Approved refunds will be processed to the original payment method (UPI, Net Banking, Card, or Cash).
• Online payment refunds will be processed within 10-15 working days.
• Cash payment refunds will be processed within 15-20 working days.
• A confirmation SMS and email will be sent once the refund is initiated.

6. Non-Refundable Items

The following are non-refundable under any circumstances:

• Late fees and penalty charges.
• Damage or loss fees for library books/materials.
• One-time registration or processing fees.
• Any charges incurred due to violation of library rules.

7. Cancellation by Member

Members may cancel their membership or course enrollment by submitting a written cancellation request. Cancellation does not automatically guarantee a refund. Refund eligibility is determined based on the timelines and conditions stated in sections 2 and 3 above.

8. Dispute Resolution

If you disagree with a refund decision, you may appeal by contacting the Library Director at amitlibraryobra@gmail.com within 15 days of the decision. We will review your appeal and respond within 10 working days.

9. Contact Information

For any refund-related queries, please contact:
Amit Library
Chat Ghat Road, Obra, Aurangabad, Bihar - 824124
Email: amitlibraryobra@gmail.com
Phone: 9162080424, 9128080424
Business Hours: 24x7 (Online), 9:00 AM - 9:00 PM (In-person)