Withdrawal Policy

Skill91 may specify minimum and maximum withdrawal amounts for each withdrawal request in order to promote efficient payment processing and reduce unnecessary transaction costs. The applicable withdrawal limits displayed within the official Withdrawal Portal shall constitute the current operational limits unless otherwise communicated by Skill91.

Participants acknowledge that minimum and maximum withdrawal limits may vary depending upon payment method, banking partner, UPI provider, participant verification status, Academic Grant category, Wallet balance, promotional programs, or applicable legal requirements.

Submission of multiple smaller withdrawal requests for the purpose of intentionally bypassing withdrawal limits, verification procedures, transaction monitoring systems, or fraud prevention controls may constitute misuse of the Skill91 Withdrawal System and may result in additional verification or administrative action.

Skill91 may temporarily modify minimum or maximum withdrawal amounts during maintenance periods, banking interruptions, payment gateway limitations, promotional campaigns, regulatory changes, or other operational circumstances affecting payment processing.

9. Withdrawal Processing Time

Every withdrawal request submitted through the Skill91 platform undergoes multiple stages of administrative processing before payment is released. These stages may include account verification, identity verification, fraud detection, banking validation, payment authorization, transaction reconciliation, financial approval, compliance review, and payout execution.

Although Skill91 endeavors to process eligible withdrawal requests promptly, processing times may vary depending upon banking systems, public holidays, weekends, payment gateway availability, verification requirements, transaction volume, regulatory reviews, system maintenance, or other operational factors beyond the reasonable control of Skill91.

Estimated processing timelines displayed on the Skill91 platform are provided solely for informational purposes and should not be interpreted as legally guaranteed payment deadlines. Actual processing times may occasionally exceed estimated timelines where additional verification becomes necessary.

Participants are encouraged to refrain from submitting duplicate withdrawal requests while an earlier request remains under processing. Duplicate requests may delay administrative review and increase the possibility of temporary payment holds or additional verification requirements.

10. Bank Transfer Withdrawals

Skill91 may permit eligible participants to receive approved withdrawal amounts directly into their verified bank accounts using supported banking channels. Bank transfer remains one of the primary payout methods available for approved Academic Grant payments and other eligible withdrawable balances.

Participants selecting Bank Transfer must ensure that the Account Holder Name, Bank Name, Account Number, Confirm Account Number, IFSC Code, PAN Number where applicable, and every other required banking detail have been entered accurately before submitting a withdrawal request.

Payments shall ordinarily be transferred only to verified bank accounts successfully approved by Skill91. Skill91 reserves the right to refuse payments to accounts that cannot be verified, contain inconsistent information, appear fraudulent, belong to restricted financial institutions, or otherwise fail verification requirements.

Participants acknowledge that once a payment has been successfully transferred to the verified banking details submitted by the participant, Skill91 shall not be responsible for losses arising from incorrect account information, participant errors, banking institution delays, or unauthorized access to participant banking facilities beyond the reasonable control of Skill91.

11. UPI Withdrawals

Where supported by the Skill91 platform, eligible participants may choose to receive approved withdrawal amounts through verified Unified Payments Interface (UPI) IDs registered in accordance with this Withdrawal Policy.

Participants remain solely responsible for ensuring that the submitted UPI ID is active, correctly entered, belongs to the participant, is capable of receiving incoming payments, and remains linked to a valid banking institution supported by the applicable UPI ecosystem.

Skill91 may require UPI verification procedures before permitting withdrawals through newly added UPI IDs. Where verification fails, participants may be required to register alternative payout information before withdrawal requests can proceed.

Skill91 shall not be responsible for failed UPI transfers resulting from inactive UPI IDs, participant input errors, banking restrictions, payment provider outages, mobile application failures, device configuration issues, or circumstances beyond the reasonable control of Skill91.

12. Withdrawal Verification Prior to Payment

Before approving any withdrawal request, Skill91 may perform multiple verification procedures intended to protect participants, maintain financial integrity, comply with legal obligations, and prevent fraudulent activity.

Verification procedures may include confirmation of participant identity, review of assessment records, Academic Grant verification, Wallet reconciliation, payment history review, fraud detection analysis, banking verification, PAN verification where applicable, device authentication, login history review, transaction monitoring, and other reasonable security measures.

Additional documentation may be requested where inconsistencies, unusual transaction patterns, identity discrepancies, banking irregularities, or other circumstances reasonably require enhanced verification before payment approval.

Participants agree to cooperate fully with all verification procedures requested by Skill91. Failure to provide requested information within a reasonable period may result in temporary suspension, delay, rejection, or cancellation of the withdrawal request until verification has been successfully completed.

13. Pending Withdrawal Requests

A withdrawal request may remain in a pending status while administrative verification, banking confirmation, payment authorization, fraud investigation, document review, transaction reconciliation, regulatory compliance review, or technical processing remains incomplete.

Pending status does not indicate rejection of a withdrawal request. Rather, it signifies that one or more processing stages remain under review before a final payment decision can be made.

Participants should avoid submitting repeated withdrawal requests relating to the same Withdrawable Balance while an earlier request remains pending unless expressly instructed to do so by Skill91 Customer Support.

Skill91 reserves the right to maintain pending status for such period as reasonably necessary to complete all applicable verification procedures, resolve payment discrepancies, obtain banking confirmations, investigate unusual transactions, or satisfy applicable legal and operational requirements before approving or rejecting the withdrawal.

14. Approved Withdrawal Requests

A withdrawal request shall be considered approved only after Skill91 has successfully completed all applicable verification procedures, including participant identity verification, Wallet reconciliation, Academic Grant eligibility review where applicable, banking validation, fraud prevention screening, payment authorization, financial approval, and any additional operational or legal requirements considered necessary by Skill91.

Approval of a withdrawal request authorizes Skill91 to initiate payment through the payout method selected by the participant and approved by the platform. Approval does not necessarily indicate that the payment has already reached the participant’s bank account or UPI application. Final crediting of funds remains subject to banking systems, payment gateway processing, clearing procedures, settlement timelines, and the operational policies of the receiving financial institution.

Participants shall receive confirmation through the official Skill91 platform, registered email address, account dashboard, or other authorized communication channels after the withdrawal has been approved and payment processing has been initiated.

Skill91 reserves the right to perform additional verification even after provisional approval where new information, fraud alerts, payment gateway notifications, banking irregularities, regulatory requirements, or technical inconsistencies arise before the payment is successfully completed.

15. Rejected Withdrawal Requests

Skill91 reserves the right to reject any withdrawal request that fails to satisfy the eligibility requirements established under this Withdrawal Policy, the Wallet Policy, the Academic Grant Policy, the Terms & Conditions, or any other applicable Skill91 legal document.

Withdrawal requests may be rejected for various reasons including incomplete identity verification, inaccurate banking information, invalid UPI ID, mismatched Account Holder Name, insufficient withdrawable balance, duplicate requests, fraud detection alerts, policy violations, unresolved payment disputes, pending investigations, technical verification failures, regulatory restrictions, or submission of false documentation.

Where reasonably practicable, Skill91 may notify the participant regarding the reason for rejection through the participant dashboard, registered email, or other official communication channels. Certain fraud investigations or regulatory obligations, however, may prevent Skill91 from disclosing detailed reasons for rejection.

Rejection of one withdrawal request does not automatically prevent future withdrawal requests. Participants may become eligible to submit a new request after correcting the identified issues and satisfying all applicable verification requirements.

16. Failed Withdrawal Transactions

In certain circumstances, a withdrawal request may be approved by Skill91 but subsequently fail during the payment execution stage due to banking interruptions, incorrect account information, inactive UPI IDs, payment gateway failures, account restrictions imposed by the receiving financial institution, settlement failures, network interruptions, or other operational circumstances beyond the reasonable control of Skill91.

Where a withdrawal transaction fails before funds are successfully credited to the participant’s verified payout account, Skill91 may temporarily restore the eligible amount to the participant’s Wallet or retain the amount in pending status while additional reconciliation procedures are completed.

Participants are encouraged to verify the accuracy of their payout information before resubmitting any failed withdrawal request. Skill91 shall not be responsible for repeated payment failures resulting from participant negligence or inaccurate banking information.

Resolution of failed withdrawal transactions may require cooperation between Skill91, payment gateways, banking institutions, UPI providers, financial intermediaries, and other authorized service providers. Resolution timelines may therefore vary depending upon the complexity of the payment investigation.

17. Incorrect Bank Account or UPI Details

Participants bear sole responsibility for ensuring that every bank account number, Account Holder Name, IFSC Code, UPI ID, PAN Number, and all other payout information submitted to Skill91 is complete, accurate, current, and capable of receiving payments.

Skill91 processes withdrawal requests based upon the payout information submitted by the participant. Where participants submit incorrect banking information, payments may be delayed, rejected, returned by the receiving financial institution, or credited to unintended accounts where permitted by banking systems.

Skill91 shall not be liable for financial loss resulting from inaccurate payout information provided by participants. Participants may be required to bear any additional banking charges, payment recovery costs, administrative expenses, or verification procedures associated with correcting participant errors.

Participants should immediately update their banking information whenever changes occur and should avoid submitting withdrawal requests until updated payout details have been successfully verified by Skill91.

18. Withdrawal Cancellation

Participants may request cancellation of a withdrawal only while the request remains under administrative review and before payment has been released to the applicable banking institution or payment service provider.

Once payment processing has been initiated, Skill91 may be unable to cancel, reverse, or modify the withdrawal request because the transaction may already be undergoing settlement through banking networks or payment gateways.

Skill91 reserves the right to refuse cancellation requests where payment execution has commenced, fraud investigations are pending, regulatory obligations apply, or cancellation would compromise financial integrity or operational security.

Approved cancellation requests may result in restoration of the eligible withdrawable balance to the participant’s Wallet, subject to any applicable administrative reviews, verification requirements, or operational adjustments.

19. Withdrawal Processing Fees and Banking Charges

Skill91 may, where operationally necessary, impose reasonable processing fees, payment gateway charges, banking charges, administrative fees, verification costs, or other service charges relating to withdrawal processing. Any applicable fees shall ordinarily be disclosed through the Skill91 platform before confirmation of the withdrawal request.

Certain banking institutions, payment gateways, UPI providers, or intermediary financial service providers may independently impose transaction charges over which Skill91 exercises no control. Participants remain responsible for reviewing the policies of their chosen financial institution before initiating withdrawals.

Skill91 reserves the right to revise applicable withdrawal fees whenever reasonably necessary to reflect changes in banking costs, payment gateway pricing, operational expenses, regulatory obligations, taxation requirements, or business considerations.

Unless otherwise expressly stated, applicable withdrawal charges may be deducted automatically from the withdrawable amount before payment processing.

20. Taxation and Regulatory Compliance

Participants acknowledge that certain Academic Grant payments, educational financial assistance, rewards, incentives, or other withdrawable amounts may become subject to taxation, government reporting requirements, withholding obligations, or other legal compliance requirements depending upon the participant’s jurisdiction and applicable laws.

Skill91 reserves the right to request PAN information, tax declarations, identity documents, or other compliance-related information before approving withdrawals where reasonably required by applicable law, regulatory authorities, payment partners, or financial institutions.

Where legally required, Skill91 may deduct applicable taxes, comply with government reporting obligations, withhold payments pending regulatory verification, or provide information to competent authorities in accordance with applicable legal requirements.

Participants remain solely responsible for determining their own tax obligations arising from Academic Grants, rewards, educational assistance, or other payments received through the Skill91 platform. Skill91 does not provide tax, accounting, financial, or legal advice regarding participant-specific tax liabilities.

21. Identity Verification (KYC) Prior to Withdrawal

To maintain the security, transparency, legality, and financial integrity of the Skill91 Withdrawal System, Skill91 may require participants to successfully complete Know Your Customer (“KYC”) verification before approving any withdrawal request. KYC verification assists Skill91 in confirming participant identity, preventing fraudulent withdrawals, complying with applicable legal obligations, protecting Academic Grant funds, and ensuring that payments are released only to the rightful recipient.

Depending upon the nature and value of the withdrawal request, participants may be required to submit government-issued identification documents, PAN information, bank account verification, Account Holder confirmation, recent photographs, signatures, address verification, educational records, or any other documentation reasonably necessary to verify identity and payment eligibility.

Skill91 reserves the right to request updated KYC information whenever participant records become outdated, inconsistent, incomplete, expired, or where additional verification becomes reasonably necessary due to changes in banking information, unusual transaction activity, security concerns, legal obligations, or fraud investigations.

Submission of forged, altered, expired, misleading, incomplete, or fraudulent identity documents shall constitute a serious violation of this Withdrawal Policy and may result in immediate suspension of withdrawal privileges, Wallet restrictions, Academic Grant cancellation, account suspension, certificate revocation where appropriate, and additional legal or administrative action permitted under applicable law.

Completion of KYC verification does not automatically guarantee withdrawal approval. Every withdrawal request shall remain subject to all additional eligibility requirements, verification procedures, operational reviews, and financial compliance checks described throughout this Withdrawal Policy.

22. Fraud Prevention and Financial Security

Skill91 maintains a strict zero-tolerance policy toward fraud, financial manipulation, identity theft, payment abuse, forged documentation, unauthorized withdrawals, Academic Grant misuse, account compromise, banking fraud, referral fraud, promotional abuse, payment gateway manipulation, and every other form of unlawful financial activity affecting the Skill91 platform.

To protect participants and preserve the integrity of the Withdrawal System, Skill91 employs administrative safeguards, technical controls, automated fraud detection technologies, transaction monitoring systems, behavioral analysis, device identification, login verification, banking validation, payment reconciliation procedures, and manual review processes whenever reasonably necessary.

Fraud prevention measures may operate before, during, or after a withdrawal request has been submitted. Accordingly, previously approved withdrawal requests may be suspended, delayed, investigated, reversed, or cancelled if new evidence reasonably suggests fraudulent conduct, payment irregularities, unauthorized account access, identity inconsistencies, or other security concerns.

Participants agree not to manipulate withdrawal systems, exploit technical vulnerabilities, intentionally submit duplicate withdrawal requests, falsify payment information, impersonate other users, misuse Academic Grant funds, interfere with payment processing infrastructure, or engage in any conduct intended to obtain financial benefits unlawfully.

Where fraud is reasonably suspected, Skill91 reserves the right to cooperate with banking institutions, payment gateways, law enforcement agencies, regulatory authorities, and other competent organizations to investigate and resolve fraudulent financial activity.

23. Anti-Money Laundering (AML) and Compliance Monitoring

Skill91 is committed to maintaining a responsible financial ecosystem and may implement reasonable Anti-Money Laundering (“AML”), counter-fraud, and financial compliance procedures where appropriate to prevent misuse of the Skill91 platform for unlawful financial activities.

Participants shall not use the Skill91 Withdrawal System to conceal the origin of funds, transfer money for unrelated commercial purposes, process third-party financial transactions, support unlawful activities, circumvent banking regulations, or engage in any conduct inconsistent with applicable financial laws.

Skill91 may monitor transaction frequency, withdrawal values, payment patterns, account activity, banking information, device usage, geographic indicators, IP addresses, login history, and other operational information reasonably necessary to identify unusual financial behavior.

Where AML concerns arise, Skill91 may request additional documentation, delay payment processing, restrict withdrawal functionality, report suspicious activity to competent authorities where legally required, or take any other action reasonably necessary to comply with applicable legal obligations.

Nothing contained within this Policy shall be interpreted as limiting Skill91’s authority to implement additional financial compliance measures whenever reasonably necessary to maintain platform integrity or satisfy legal requirements.

24. Suspicious Withdrawal Requests

Skill91 reserves the right to investigate any withdrawal request that appears unusual, inconsistent, excessive, technically abnormal, or otherwise indicative of unauthorized activity. A withdrawal request may be classified as suspicious even where no policy violation has yet been conclusively established if reasonable grounds exist for additional review.

Examples of suspicious activity may include repeated changes to banking information immediately before withdrawal, multiple failed verification attempts, unusually high withdrawal amounts, inconsistent identity information, repeated withdrawals from newly created accounts, abnormal login activity, multiple accounts operated by the same individual, payment manipulation, or other transaction patterns reasonably considered unusual.

Where suspicious activity is identified, Skill91 may temporarily suspend processing of the withdrawal request while additional verification procedures are completed. Participants may be requested to provide supplementary identity documents, banking confirmation, educational records, or other information reasonably necessary to establish the legitimacy of the withdrawal.

Suspension of a withdrawal request for security review should not be interpreted as a finding of wrongdoing. Rather, it represents a protective administrative measure intended to safeguard participants, Academic Grant funds, Wallet balances, and the Skill91 financial ecosystem.

25. Suspension or Restriction of Withdrawal Privileges

Skill91 reserves the right to temporarily suspend, permanently revoke, or otherwise restrict a participant’s ability to submit withdrawal requests whenever reasonably necessary to protect platform security, investigate financial irregularities, enforce platform policies, comply with legal obligations, or preserve the integrity of the Skill91 Withdrawal System.

Withdrawal privileges may be suspended under circumstances including but not limited to unresolved KYC verification, submission of false banking information, payment disputes, chargebacks, suspected fraud, policy violations, Academic Grant investigations, identity inconsistencies, repeated failed withdrawals, suspicious transaction patterns, or unauthorized account access.

During suspension, participants may temporarily lose access to withdrawal functionality while continuing to retain access to other Skill91 services where appropriate. Restoration of withdrawal privileges shall depend upon successful completion of all verification procedures and resolution of the circumstances giving rise to the suspension.

Skill91 shall determine the duration, scope, and conditions of any withdrawal suspension based upon the nature of the underlying issue, applicable legal obligations, operational requirements, and participant cooperation during the investigation.

26. Recovery of Incorrect or Excess Payments

Although Skill91 employs multiple verification procedures to ensure payment accuracy, exceptional circumstances may occasionally result in incorrect payment amounts, duplicate withdrawals, administrative errors, banking reconciliation discrepancies, technical failures, or other unintended financial overpayments.

Where Skill91 reasonably determines that funds have been paid incorrectly, participants agree that Skill91 may recover the excess amount through lawful means. Recovery measures may include adjustment of Wallet Balances, offset against future Academic Grant Credits, deduction from future eligible withdrawals, voluntary repayment requests, banking recovery procedures where available, or other remedies permitted under applicable law.

Participants receiving payments that they reasonably know or should reasonably know were issued in error shall promptly notify Skill91 and cooperate fully in resolving the matter. Intentional retention or concealment of known overpayments may constitute misuse of the Skill91 platform and may result in additional administrative or legal action.

Skill91 shall maintain appropriate financial records documenting payment corrections, recovery actions, reconciliation procedures, and administrative adjustments in order to ensure transparency, accounting accuracy, audit compliance, and proper financial governance.

27. Responsibilities of Participants

Every participant using the Skill91 Withdrawal System is responsible for ensuring that all withdrawal-related activities are conducted honestly, lawfully, accurately, and in accordance with this Withdrawal Policy, the Wallet Policy, Academic Grant Policy, Terms & Conditions, Privacy Policy, Refund & Cancellation Policy, Certificate Policy, and every other applicable legal document published through the Skill91 Legal Center.

Participants shall ensure that all personal information, banking information, UPI details, PAN information where applicable, identity documents, communication details, and supporting documents submitted to Skill91 remain accurate, complete, current, and capable of successful verification. Failure to maintain accurate information may delay, suspend, or permanently prevent withdrawal processing.

Participants are solely responsible for protecting their Skill91 account credentials, passwords, authentication codes, registered mobile number, email account, and every other security mechanism used for accessing the Skill91 platform. Participants should immediately report any suspected unauthorized access, identity theft, account compromise, or fraudulent activity to Skill91 through the official support channels.

Participants shall regularly review their withdrawal history, Wallet records, Academic Grant information, transaction confirmations, payout notifications, and banking records to ensure that all financial transactions accurately reflect authorized activity. Any discrepancy should be reported without unreasonable delay.

Participants agree not to submit forged documents, manipulated bank statements, false PAN information, fake identity records, altered payment confirmations, or misleading declarations in connection with any withdrawal request. Participants further agree not to misuse another person’s bank account, UPI ID, identity documents, or payment credentials for the purpose of receiving Skill91 withdrawals.

Participants acknowledge that cooperation with Skill91 during financial verification, KYC procedures, fraud investigations, banking inquiries, regulatory compliance reviews, and dispute resolution processes forms an essential condition for continued access to withdrawal services.

28. Rights Reserved by Skill91

Skill91 reserves all rights reasonably necessary to administer, supervise, secure, investigate, modify, suspend, improve, restrict, discontinue, or otherwise manage the Skill91 Withdrawal System. These rights may be exercised whenever reasonably necessary to maintain financial integrity, protect users, prevent fraud, comply with applicable legal obligations, improve operational efficiency, or preserve the security of the Skill91 platform.

Without limiting the generality of the foregoing, Skill91 reserves the right to establish or revise withdrawal limits, verification procedures, payout schedules, supported banking methods, UPI services, documentation requirements, processing timelines, transaction monitoring systems, fraud prevention measures, payment gateways, withdrawal fees where applicable, and every other operational aspect of the Withdrawal System.

Skill91 further reserves the right to delay, suspend, reject, reverse, recover, investigate, modify, or cancel any withdrawal request where technical errors, banking irregularities, duplicate requests, regulatory obligations, fraud investigations, payment disputes, legal proceedings, administrative errors, security concerns, or policy violations reasonably justify such action.

Nothing contained within this Withdrawal Policy shall be interpreted as limiting Skill91’s authority to protect its financial systems, educational ecosystem, technological infrastructure, intellectual property, payment partners, Academic Grant programs, users, employees, evaluators, or legitimate business interests.

29. Data Security and Protection of Financial Information

Skill91 recognizes the importance of protecting financial information submitted during the withdrawal process. Appropriate administrative, technical, organizational, and operational safeguards are implemented to reduce the risk of unauthorized access, accidental disclosure, misuse, alteration, destruction, or loss of withdrawal-related information.

Security measures may include encrypted communications, secure payment gateway integrations, restricted administrative access, authentication controls, audit logging, fraud detection systems, secure infrastructure management, transaction monitoring, data backup procedures, vulnerability assessments, and other commercially reasonable security practices appropriate for digital financial services.

Although Skill91 continually endeavors to maintain appropriate security standards, participants acknowledge that no electronic payment system, communication network, internet-based platform, banking infrastructure, or technology environment can guarantee absolute protection against every possible cyber threat or security incident.

Participants are encouraged to access the Skill91 platform only through trusted devices and secure internet connections, avoid sharing login credentials, enable available security features, regularly monitor account activity, and promptly notify Skill91 if suspicious activity affecting withdrawal information is detected.

Skill91 shall periodically review and improve its financial security practices in response to technological developments, evolving cyber security risks, banking standards, legal obligations, and operational requirements.

30. Privacy of Withdrawal Information

All personal information, banking information, withdrawal records, transaction history, Academic Grant payment records, KYC documents, PAN information, identity verification records, and other withdrawal-related information collected by Skill91 shall be processed in accordance with the Skill91 Privacy Policy and applicable laws governing personal data protection.

Withdrawal information may be processed for legitimate purposes including payment execution, banking verification, fraud prevention, financial reconciliation, accounting, audit activities, customer support, regulatory compliance, taxation requirements where applicable, dispute resolution, Academic Grant administration, platform security, and continuous improvement of withdrawal services.

Skill91 does not intentionally disclose confidential withdrawal information to unauthorized third parties. Disclosure may occur only where reasonably necessary for payment processing, banking operations, UPI processing, identity verification, fraud investigations, legal compliance, regulatory reporting, judicial proceedings, or other purposes expressly permitted under applicable law or the Skill91 Privacy Policy.

Participants acknowledge that certain withdrawal information may be shared with authorized banking institutions, payment gateways, financial service providers, verification agencies, government authorities, auditors, or regulatory organizations where such disclosure is reasonably necessary to complete withdrawal processing or comply with applicable legal obligations.

31. Limitation of Liability

To the maximum extent permitted by applicable law, Skill91 shall not be liable for any indirect, incidental, consequential, punitive, exemplary, or special damages arising from withdrawal delays, banking interruptions, payment gateway failures, internet outages, regulatory reviews, fraud investigations, verification procedures, technical malfunctions, third-party financial service disruptions, or other circumstances beyond the reasonable control of Skill91.

Skill91 shall not be responsible for losses resulting from participant negligence, incorrect banking information, invalid UPI IDs, unauthorized disclosure of account credentials, phishing attacks, malware affecting participant devices, mobile application failures, telecommunications interruptions, banking institution errors, or delays attributable to third-party financial service providers.

Participants remain solely responsible for ensuring that withdrawal requests are submitted correctly, payout information remains accurate, verification documents are authentic, applicable policies are followed, and withdrawal records are regularly reviewed.

Nothing contained within this limitation of liability shall exclude or restrict any liability that cannot lawfully be excluded or limited under applicable law.

32. Governing Law

This Withdrawal Policy shall be interpreted, administered, governed, and enforced in accordance with the applicable laws governing the operation of the Skill91 platform. Every withdrawal transaction, Academic Grant payment, Wallet payout, banking verification procedure, payment investigation, financial adjustment, and related operational activity shall remain subject to applicable legal and regulatory requirements.

Any dispute arising from the Skill91 Withdrawal System shall, unless otherwise required by mandatory applicable law, be governed by the dispute resolution provisions contained within the Skill91 Terms & Conditions and every other applicable legal policy forming part of the Skill91 Legal Center.

Nothing contained within this Withdrawal Policy shall limit any mandatory statutory rights available to participants under applicable law. Where any applicable legal requirement conflicts with a provision of this Policy, the relevant legal requirement shall prevail to the extent required by law while the remaining provisions of this Withdrawal Policy shall continue to remain in full force and effect.

33. Withdrawal Records and Financial Record Retention

Skill91 maintains official records of every withdrawal request submitted through the Skill91 Withdrawal System in order to ensure financial transparency, payment accuracy, audit readiness, dispute resolution, fraud prevention, regulatory compliance, and efficient administration of educational financial services. These records form an essential component of the Skill91 financial management framework and assist in protecting both participants and the platform against unauthorized financial activity.

Withdrawal records maintained by Skill91 may include, without limitation, withdrawal request information, Wallet Transaction IDs, Academic Grant payment records, payout references, banking verification records, Account Holder information, verified UPI details, PAN information where applicable, payment authorization logs, processing timelines, transaction status history, reconciliation records, customer support communications, dispute records, fraud investigation reports, and other operational information reasonably necessary for financial administration.

Skill91 may retain withdrawal-related records for such period as is reasonably necessary to comply with applicable legal obligations, accounting standards, taxation requirements, financial audits, banking regulations, fraud prevention measures, dispute resolution procedures, certificate verification activities, Academic Grant administration, operational reporting, or other legitimate business purposes.

Participants acknowledge that deletion of a Skill91 account or closure of a Wallet does not necessarily require immediate deletion of historical withdrawal records where continued retention remains necessary to satisfy legal, regulatory, financial, security, or operational obligations.

34. Amendments and Policy Updates

Skill91 reserves the unrestricted right to revise, amend, modify, replace, consolidate, expand, withdraw, or otherwise update this Withdrawal Policy whenever reasonably necessary to reflect changes in applicable legislation, banking regulations, payment gateway requirements, technological developments, cyber security standards, Academic Grant administration procedures, financial compliance obligations, operational improvements, business requirements, or platform services.

Updated versions of this Withdrawal Policy shall ordinarily become effective immediately upon publication through the official Skill91 Legal Center unless a different effective date is expressly stated within the revised Policy.

Participants are encouraged to periodically review the latest version of this Withdrawal Policy before submitting withdrawal requests, updating banking information, receiving Academic Grant payments, linking new payout accounts, or otherwise using any withdrawal-related services provided through the Skill91 platform.

Continued use of the Skill91 Withdrawal System following publication of an updated Withdrawal Policy constitutes acknowledgment and acceptance of the revised provisions to the maximum extent permitted under applicable law.

Where material changes significantly affect participant rights, withdrawal procedures, verification requirements, payment processing, or platform operations, Skill91 may, where reasonably practicable, communicate such changes through website announcements, dashboard notifications, registered email communications, or other official communication channels.

35. Contact Information

Participants requiring assistance relating to withdrawal requests, Academic Grant payments, payout verification, failed transfers, rejected withdrawals, pending transactions, KYC verification, banking updates, payment disputes, transaction investigations, fraud reporting, technical issues, policy interpretation, or any other withdrawal-related matter may contact Skill91 through its official communication channels.

Email: support@skill91.fun

Website: https://skill91.fun

When contacting Skill91 regarding a withdrawal matter, participants are encouraged to provide relevant information including the registered participant name, registered email address, Withdrawal Request ID, Wallet Transaction ID, Certificate ID where applicable, Academic Grant reference number, assessment details, payout method, transaction date, and a clear description of the issue. Providing complete information assists Skill91 in conducting efficient verification and timely resolution.

Skill91 shall make commercially reasonable efforts to review and respond to legitimate withdrawal-related requests within a reasonable period. Response times may vary depending upon verification requirements, banking cooperation, payment gateway investigations, legal obligations, operational workload, and the complexity of the matter.

36. Severability

If any provision, clause, paragraph, sentence, or portion of this Withdrawal Policy is determined by a court of competent jurisdiction, regulatory authority, arbitral tribunal, or other lawful authority to be invalid, unlawful, void, or unenforceable, such determination shall not affect the validity, legality, or enforceability of the remaining provisions of this Withdrawal Policy.

Every remaining provision shall continue to remain in full force and effect to the maximum extent permitted under applicable law. Where reasonably possible, any invalid provision shall be interpreted, modified, or replaced in a manner that most closely reflects the original legal, commercial, educational, financial, and operational intent of the affected provision while remaining legally enforceable.

37. Entire Agreement Regarding Withdrawal Services

This Withdrawal Policy forms an integral part of the Skill91 Legal Center and shall always be read together with the Terms & Conditions, Privacy Policy, Wallet Policy, Academic Grant Policy, Certificate Policy, Refund & Cancellation Policy, Content Submission Policy, Assessment & Evaluation Policy, Fair Play Policy, Disclaimer, and every other applicable legal document published by Skill91.

Together, these legal documents constitute the complete legal framework governing withdrawal requests, Academic Grant disbursements, Wallet payouts, financial verification, participant responsibilities, fraud prevention, payment processing, banking procedures, dispute resolution, data protection, financial compliance, and the legal relationship between Skill91 and every participant using withdrawal-related services, unless expressly modified by a separate written agreement executed by authorized representatives of Skill91.

38. Final Legal Statement

Skill91 is committed to maintaining a secure, transparent, fair, efficient, and professionally administered Withdrawal System that protects participants while ensuring the responsible distribution of Academic Grants and other eligible withdrawable funds. Through robust verification procedures, secure payment technologies, financial compliance measures, fraud prevention systems, and continuous operational improvements, Skill91 endeavors to provide participants with a reliable withdrawal experience consistent with applicable legal and ethical standards.

By registering a Skill91 account, activating a Wallet, submitting banking information, linking a UPI ID, completing KYC verification, receiving Academic Grant approval, submitting a withdrawal request, accepting payment, or otherwise using any withdrawal-related service provided by Skill91, you acknowledge that you have carefully read, fully understood, and voluntarily agreed to be legally bound by this Withdrawal Policy together with every other applicable legal policy published through the Skill91 Legal Center.

Nothing contained within this Withdrawal Policy shall be interpreted as limiting any legal rights, obligations, protections, remedies, responsibilities, or authorities available to Skill91 or participants under applicable law. Where ambiguity exists, this Withdrawal Policy shall be interpreted in a manner that best preserves financial integrity, educational fairness, participant protection, platform security, regulatory compliance, and the lawful administration of the Skill91 educational ecosystem.

This Withdrawal Policy forms an integral part of the Skill91 Legal Center and should be read together with the Terms & Conditions, Privacy Policy, Wallet Policy, Academic Grant Policy, Certificate Policy, Assessment & Evaluation Policy, Refund & Cancellation Policy, Content Submission Policy, Fair Play Policy, Disclaimer, and all other applicable legal documents governing the use of the Skill91 platform.