Refund & Cancellation Policy

1. Introduction

This Refund & Cancellation Policy explains the conditions under which payments made through the Skill91 platform may qualify for refunds, wallet credits, cancellations, or other payment-related resolutions. The purpose of this policy is to ensure transparency, fairness, and consistency while protecting both users and Skill91 from misunderstandings regarding payment-related matters.

Skill91 operates as a skill-based educational assessment platform. Assessment fees collected through the platform represent service fees for registration, assessment administration, platform access, technical infrastructure, evaluator allocation, operational management, and related educational services. Accordingly, refunds are governed by the terms described in this policy together with the applicable Terms & Conditions and other legal policies published by Skill91.

By registering for an assessment or making any payment through Skill91, users acknowledge that they have carefully read, understood, and agreed to this Refund & Cancellation Policy before completing the transaction.

2. Scope of this Policy

This policy applies to all assessment registration fees, participation fees, wallet transactions, promotional offers, educational services, digital products, certificates, academic grant-related transactions, and any other payments processed through the Skill91 platform unless a separate refund policy is expressly published for a specific service or program.

3. General Refund Policy

Assessment fees paid through Skill91 are generally non-refundable after successful registration and confirmation of participation because administrative processes, technical resource allocation, assessment preparation, platform services, operational activities, evaluator planning, and related educational services begin immediately after registration is successfully completed.

Users are therefore encouraged to carefully review assessment details, eligibility requirements, schedules, participation conditions, and payment information before completing any transaction.

4. Non-Refundable Assessment Fees

Once a user’s assessment registration has been successfully completed and the participant has been enrolled in the assessment, the assessment fee shall ordinarily be treated as non-refundable and non-transferable except where expressly stated otherwise in this policy or where required by applicable law.

No refund shall ordinarily be provided merely because a participant decides not to participate, fails to attend the assessment, submits incomplete work, misses submission deadlines, experiences personal scheduling conflicts, changes personal preferences, becomes dissatisfied with assessment results, or is disqualified due to violation of platform rules.

5. Assessment Cancellation by Skill91

In exceptional circumstances, Skill91 may cancel, postpone, suspend, or discontinue an assessment due to technical failures, platform maintenance, cybersecurity incidents, operational requirements, insufficient participation, legal or regulatory obligations, force majeure events, or any other circumstance that materially affects the fair and secure conduct of the assessment.

Where an assessment is cancelled solely due to a technical or operational issue attributable to Skill91 before the assessment is successfully conducted, the eligible assessment fee paid by the participant shall ordinarily be credited to the user’s Skill91 Wallet. Such wallet credit may be used for future eligible assessments or services available on the Skill91 platform, subject to the applicable Wallet Policy and platform rules.

Unless otherwise required by applicable law or expressly approved by Skill91, refunds for such cancellations shall generally be provided in the form of Skill91 Wallet Credit rather than a direct refund to the original payment method.

6. Wallet Credit Policy

Wallet credits issued by Skill91 represent platform credits made available for future eligible transactions within the Skill91 ecosystem. Wallet credits may be used only for services, assessments, or other eligible platform activities designated by Skill91.

Wallet credits are non-transferable, may not be exchanged for cash, and may not be sold, assigned, pledged, or transferred to another user unless expressly permitted by Skill91 in writing.

Skill91 reserves the right to reverse, suspend, or cancel wallet credits obtained through fraud, payment disputes, technical errors, duplicate transactions, policy violations, chargebacks, unauthorized activity, or any other improper means.

7. Duplicate Payments

If a user unintentionally completes more than one successful payment for the same assessment due to a genuine duplicate transaction, the user should promptly notify Skill91 and provide the relevant payment reference details for verification.

Upon successful verification, Skill91 may, at its reasonable discretion, refund the duplicate amount or credit the verified duplicate payment to the user’s Skill91 Wallet, depending upon the nature of the transaction, payment gateway requirements, and operational circumstances.

8. Failed or Incomplete Transactions

Where a payment has been initiated but the assessment registration is not successfully completed due to payment failure, transaction interruption, banking delays, payment gateway issues, or technical processing errors, the transaction shall first be verified by Skill91 and the relevant payment service provider.

If it is confirmed that payment was successfully received by Skill91 without successful assessment registration, Skill91 shall take appropriate corrective action, which may include completing the registration, issuing a refund where applicable, or crediting the amount to the user’s Skill91 Wallet, depending upon the circumstances of the transaction.

Users are requested not to make repeated payments for the same assessment until the status of the earlier transaction has been verified.

9. Payment Verification

Before processing any refund request, wallet credit, payment correction, or transaction-related claim, Skill91 may require users to provide reasonable supporting information including payment reference numbers, transaction identifiers, bank confirmation, screenshots, registered email address, registered mobile number, or any other information necessary to verify the transaction.

Refunds, wallet credits, or payment adjustments shall not be processed where transaction verification cannot reasonably be completed or where fraudulent, misleading, or inaccurate information has been provided.

10. User Cancellation Requests

Users are responsible for carefully reviewing all assessment details, eligibility requirements, schedules, participation conditions, and payment information before completing registration. Once an assessment registration has been successfully completed, cancellation requests submitted by the participant shall not ordinarily qualify for a refund unless expressly permitted under this Refund & Cancellation Policy or required by applicable law.

Requests based on change of mind, personal commitments, examination schedules, travel plans, lack of preparation, internet availability, device compatibility, or similar personal circumstances shall generally not qualify for refunds after successful assessment registration.

11. Technical Issues on the User’s Side

Skill91 shall not ordinarily be responsible for technical issues arising from the participant’s own device, browser, operating system, internet connection, electricity failure, antivirus software, unsupported hardware, incorrect file uploads, insufficient device storage, or any other circumstance beyond the reasonable control of Skill91.

Accordingly, such circumstances shall not ordinarily constitute valid grounds for cancellation, refund, or compensation unless otherwise required under applicable law.

12. Refund Processing Time

Where a refund or wallet credit has been approved by Skill91 after successful verification, processing shall ordinarily be initiated within a reasonable period. Actual processing time may vary depending upon payment gateway processing, banking timelines, verification requirements, public holidays, operational workload, or other circumstances beyond the reasonable control of Skill91.

Where refunds are processed through the original payment method, banking institutions and payment service providers may require additional processing time before the refunded amount becomes available to the user.

13. Chargebacks and Payment Disputes

Users are encouraged to contact Skill91 before initiating any chargeback, payment reversal, banking dispute, or payment gateway complaint. Most payment-related concerns can be resolved more efficiently through direct communication and transaction verification.

Where a chargeback, payment reversal, or fraudulent payment dispute is initiated without reasonable justification, Skill91 reserves the right to temporarily suspend the associated account, restrict assessment participation, withhold certificates, freeze wallet balances, or take other reasonable measures necessary to protect the platform and investigate the matter.

14. Fraud Prevention

Refund requests, payment claims, duplicate payment reports, and cancellation requests are subject to verification. Skill91 reserves the right to reject any request involving fraudulent activity, forged payment evidence, manipulated screenshots, false transaction claims, unauthorized payment methods, identity misrepresentation, or any other attempt to obtain an improper financial benefit.

Where fraud is reasonably suspected, Skill91 may conduct additional verification, request supporting documentation, delay processing until verification is completed, or refer the matter to the appropriate authorities where required by applicable law.

15. Taxes and Transaction Charges

Any taxes, statutory levies, payment gateway charges, banking fees, currency conversion charges, or transaction costs applicable to payments made through the Skill91 platform shall be governed by applicable law and the policies of the relevant payment service providers. Unless expressly stated otherwise, such charges may not be refundable where permitted by applicable law.

16. Right to Review Refund Requests

Every refund request shall be reviewed individually based upon the facts of the transaction, applicable platform policies, payment verification, assessment status, operational records, and other relevant circumstances. Submission of a refund request does not automatically create an entitlement to a refund or wallet credit.

17. Assessment Rescheduling

In certain circumstances, Skill91 may reschedule an assessment due to technical maintenance, operational requirements, security concerns, force majeure events, regulatory requirements, or other circumstances that materially affect the proper conduct of the assessment. Where an assessment is rescheduled rather than cancelled, the original registration shall ordinarily remain valid for the revised assessment schedule unless otherwise communicated by Skill91.

Rescheduling of an assessment shall not, by itself, constitute grounds for cancellation or refund unless expressly approved by Skill91 or required under applicable law.

18. Academic Grants and Refund Eligibility

Academic Grants offered through Skill91 are merit-based educational benefits and are independent of assessment fee payments. Failure to qualify for an Academic Grant, scholarship, certificate, merit ranking, or other educational recognition shall not create any entitlement to a refund of the assessment fee.

Assessment fees are charged for educational assessment services and platform operations and are not linked to the outcome of the evaluation process or eligibility for Academic Grants.

19. Certificates and Refunds

The issuance, delay, suspension, cancellation, or non-issuance of certificates due to incomplete verification, policy violations, technical review, identity mismatch, fraudulent activity, or non-compliance with assessment requirements shall not automatically entitle a participant to a refund unless expressly provided under this Policy or required by applicable law.

20. Promotional Offers and Discounted Registrations

Assessment registrations completed using promotional discounts, coupon codes, referral benefits, scholarship discounts, campaign offers, or other promotional pricing shall remain subject to this Refund & Cancellation Policy unless separate terms are expressly published for the relevant promotion.

Skill91 reserves the right to withdraw promotional benefits obtained through fraud, misuse, technical errors, duplicate accounts, policy violations, or unauthorized activities.

21. Wallet Credits Issued as Refunds

Where Skill91 determines that wallet credit is the appropriate method of resolving an eligible refund request, the approved amount shall be credited to the user’s Skill91 Wallet after successful verification. Wallet credits may be used only for eligible services available on the Skill91 platform and shall remain subject to the applicable Wallet Policy.

Wallet credits issued under this Policy are generally non-transferable and may not be redeemed for cash except where expressly required by applicable law.

22. Skill91’s Right to Refuse Refund Requests

Skill91 reserves the right to reject any refund or cancellation request that is inconsistent with this Policy, unsupported by sufficient evidence, based on inaccurate information, submitted after unreasonable delay, associated with fraudulent activity, or otherwise found to violate the Terms & Conditions or other applicable platform policies.

All refund-related decisions shall be made after reasonable review of transaction records, assessment status, verification documents, payment confirmations, platform logs, and other relevant information available to Skill91.

23. Policy Interpretation

This Refund & Cancellation Policy shall be interpreted together with the Skill91 Terms & Conditions, Privacy Policy, Assessment & Evaluation Policy, Academic Grant Policy, Wallet Policy (where applicable), and all other legal documents published by Skill91. In the event of any inconsistency relating to a specific service, the policy specifically governing that service shall prevail to the extent of such inconsistency.

24. Amendments to this Policy

Skill91 reserves the right to modify, revise, update, replace, suspend, or amend this Refund & Cancellation Policy at any time to reflect changes in applicable laws, payment processing procedures, platform operations, assessment models, educational services, technology, security practices, or other business requirements.

Updated versions of this Policy shall become effective upon publication through the Skill91 Legal Center or other official communication channels unless a different effective date is expressly specified. Users are encouraged to review this Policy periodically before making any payment through the Skill91 platform.

25. Governing Law

This Refund & Cancellation Policy shall be governed by and interpreted in accordance with the applicable laws of India. Any dispute relating to refunds, cancellations, wallet credits, payment processing, or interpretation of this Policy shall be subject to the jurisdiction of the competent courts having jurisdiction over the registered place of business of Skill91, unless otherwise required by applicable law.

26. Customer Support

Users who require assistance regarding payments, refund requests, duplicate transactions, failed payments, wallet credits, assessment cancellations, or other payment-related concerns may contact Skill91 through the official support channels.

Email: support@skill91.fun

Website: https://skill91.fun

To help us process your request efficiently, users should include relevant details such as the registered email address, registered mobile number, assessment name, transaction reference number, payment date, payment amount, and a brief description of the issue.

27. Response and Resolution

Skill91 will make reasonable efforts to acknowledge and review legitimate payment-related requests within a reasonable period. The actual resolution time may vary depending on transaction verification, payment gateway processing, banking procedures, document verification, technical investigations, public holidays, or other operational circumstances.

Where additional information is required, users are expected to cooperate by providing accurate and complete documentation necessary for verification. Delays in providing requested information may extend the overall resolution process.

28. Final Statement

This Refund & Cancellation Policy has been established to provide transparency, consistency, and fairness in the administration of payment-related matters on the Skill91 platform. By making any payment through Skill91, users acknowledge that they have carefully read, understood, and agreed to this Policy together with the Terms & Conditions, Privacy Policy, and all other applicable legal documents published within the Skill91 Legal Center.

Nothing contained within this Policy shall be interpreted as limiting any rights or obligations available under applicable law. If any provision of this Policy is held to be invalid or unenforceable by a court or competent authority, the remaining provisions shall continue in full force and effect.

This Refund & Cancellation Policy forms an integral part of the Skill91 Legal Center and should be read together with the Terms & Conditions, Privacy Policy, Assessment & Evaluation Policy, Academic Grant Policy, Fair Play Policy, Disclaimer, and all other legal documents published by Skill91.