Refund & Payment Policy

At Banking Gurukul, GOLN (“Website,” “we,” “our,” or “us”), we value our users and strive to provide high-quality educational resources and digital services. This Refund & Payment Policy outlines how payments, refunds, and cancellations are handled when you purchase or subscribe to products and services from us via https://bankinggoln.com.

Effective Date: [10, January, 2024]
Last Updated: [13, September, 2025]

 

  1. Payment Methods

We accept secure online payments through:

  • Stripe (credit and debit cards)
  • PayPal
  • Other payment gateways as may be introduced in the future

All payments are processed in a secure, encrypted environment. We do not store sensitive payment details on our servers.

 

  1. Products & Services Covered

This policy applies to:

  • Online courses and training modules
  • E-books, research reports, and digital downloads
  • Memberships, subscriptions, or premium content access
  • Event registrations (e.g., webinars, workshops)

 

  1. Refund Policy
  2. a) Digital Products (E-books, PDFs, Reports)
  • Due to the nature of digital goods, all sales are final.
  • Refunds are generally not available once the product has been downloaded or accessed.
  1. b) Online Courses & Subscriptions
  • If you are not satisfied with a course or subscription, you may request a refund within 7 days of purchase.
  • Refunds will only be granted if less than 20% of the course or subscription content has been accessed.
  1. c) Event Registrations (Workshops/Webinars)
  • Refunds for event registrations may be requested up to 72 hours before the event start time.
  • If an event is cancelled or postponed by us, full refunds will be issued.

 

  1. Non-Refundable Items
  • Affiliate-linked purchases (books, tools, or services from external vendors) are subject to the vendor’s own refund policy.
  • Gift cards, donations, and promotional offers are non-refundable.

 

  1. Cancellations & Renewals
  • Subscription services may be cancelled anytime via your account dashboard or by contacting support.
  • Cancellations made before the next billing cycle will prevent future charges.
  • Partial refunds for unused subscription periods are not provided.

 

  1. Processing of Refunds
  • Approved refunds will be issued via the original payment method (Stripe/PayPal).
  • Processing time: 5–10 business days, depending on your payment provider.
  • We are not responsible for delays caused by banks, PayPal, or credit card issuers.

 

  1. Fraudulent or Unauthorised Transactions
  • If we detect fraudulent, abusive, or suspicious payment activity, we reserve the right to deny refunds and suspend or terminate accounts.
  • Chargebacks initiated without first contacting us may result in account suspension.

 

  1. Compliance with Global Consumer Protection Laws

This policy complies with:

  • EU Consumer Rights Directive (14-day withdrawal rights for digital services, subject to exceptions)
  • UK Consumer Contracts Regulations
  • U.S. Federal Trade Commission (FTC) guidelines
  • Brazil’s LGPD & Consumer Defence Code
  • India’s Consumer Protection Act, 2019

 

  1. Contact Us for Refund Requests

To request a refund or raise a payment-related issue, please contact us with your order details at:

Payments & Refunds Support: complaint@bankinggoln.com
General Inquiries: editor@bankinggoln.com

Addresses:

  • USA Office: 10601 Clarence Dr Ste 250, Frisco, TX 75033-3867
  • Bangladesh Office: A3, Navana Sattar Garden, 86/1 New Eskaton Road, Dhaka 1000