Refund & Cancellation Policy
Last Updated: 18 August 2026

Thank you for purchasing from GrowthPustak.

We want our refund and cancellation terms to be clear before you make a purchase.
Please read this policy carefully before completing your order.

1. Digital Product Policy

GrowthPustak sells digital educational products, including e-books, guides, worksheets, planners, templates, checklists, and downloadable resources.

Our products are delivered digitally after successful payment.

Because digital products can be accessed, downloaded, or consumed immediately after purchase, all successfully delivered digital-product sales are generally final and non-refundable, except in the specific circumstances described below or where otherwise required by applicable law.

Please review the product description, inclusions, price, and other information on the sales page carefully before purchasing.

2. When a Refund May Be Considered

We may review a refund request in situations such as:

A. Duplicate Payment

If you are accidentally charged more than once for the same product/order, contact us with your transaction details.After verification, the duplicate successful payment may be refunded.

B. Product Not DeliveredIf your payment is successfully completed but you do not receive access to the purchased digital product, please contact us.

We will first attempt to:
• Verify your payment
• Confirm the email/details used during purchase
• Restore your access
• Resend the product or download link
• Resolve any technical delivery problem

If we confirm that we are unable to provide the purchased product after reasonable troubleshooting, we may issue an appropriate refund.

C. Incorrect Technical ChargeIf you believe you were charged incorrectly because of a verified payment-processing or technical error, contact our support team.We will review the transaction and take appropriate action after verification.

D. Where Required by LawNothing in this policy is intended to remove or restrict any consumer rights or remedies that cannot legally be excluded under applicable law.

3. When Refunds Will Generally Not Be Provided

Subject to applicable law, refunds will generally not be provided simply because:
• You changed your mind after purchasing
• You purchased the product by mistake
• You did not read the product description before purchasing
• You expected information or features that were not advertised
• You downloaded the product but did not use it
• You did not complete the exercises or implement the material
• You no longer need the product
• You found similar information elsewhere
• You expected a particular financial result
• You did not achieve your desired savings, budgeting, income, investment, or other financial outcome
• You do not have time to use or read the product
• You purchased during a promotion and the price later changedGrowthPustak provides educational resources and does not guarantee individual financial results.

4. Final Salary Money Map – ₹299

The Final Salary Money Map is a digitally delivered educational product.The current advertised purchase price may be ₹299, subject to any applicable offer or future pricing changes.Once payment has been successfully completed and access to the digital product has been provided, the order will generally be considered completed and non-refundable, except for qualifying circumstances described in this policy.

5. Please Check Before Purchasing

Before completing your purchase, please make sure that:
• You have read the sales page
• You understand what is included
• You understand that this is a digital product
• You understand that no physical book will be shipped unless specifically stated
• You have entered the correct email address/contact details
• You understand the applicable price
• You understand that individual results are not guaranteedIf you have a question about the product before purchasing,
please contact us before placing your order.

6. Cancellation PolicyBecause our digital products may be delivered automatically and immediately after successful payment, an order generally cannot be cancelled once the digital product has been delivered or made accessible.If you contact us before digital access has been provided, we may review the request, but cancellation is not guaranteed if payment processing or automated fulfilment has already occurred.

7. Failed PaymentsIf your payment fails but money appears to have been deducted from your bank account, UPI account, card, or other payment method, the transaction may be automatically reversed by your bank or payment provider.Such reversals are generally controlled by the relevant bank/payment provider and may take time to appear.If the payment is ultimately marked as successful and we have received the funds but you have not received the product, contact our support team.

8. Refund Request Process
If you believe your purchase qualifies for a refund under this policy, contact:Email: Support@growthpushtak.com

Please use the subject:
Refund Request – GrowthPustakInclude:
• Your full name
• Email address used during purchase
• Order/transaction ID
• Date of purchase
• Product purchased
• Amount paid
• Brief explanation of the issue
• Relevant payment screenshot, if necessaryNever send your OTP, UPI PIN, CVV, card PIN, banking password, or other sensitive banking credentials.We may request additional non-sensitive information reasonably necessary to verify the transaction.

9. Refund ProcessingIf a refund is approved, it will generally be returned through the original payment method or another appropriate method supported by our payment provider.The time required for the refunded amount to appear may depend on your:• Bank• Card issuer• UPI provider• Payment gateway• Other financial institutionGrowthPustak does not control third-party banking or payment-processing timelines.

10. Product Access After RefundIf a refund is issued, your license and right to use the refunded GrowthPustak product may be terminated.You must not continue to distribute, reproduce, resell, share, or otherwise use the material contrary to our Terms & Conditions.

11. Chargebacks and Payment DisputesIf you experience a genuine problem with your order, we encourage you to contact GrowthPustak support first so we have an opportunity to investigate and resolve the issue.Fraudulent payment disputes, unauthorized redistribution of digital products, or abuse of payment-dispute mechanisms may result in suspension of future access, subject to applicable law and payment-provider rules.This does not prevent customers from exercising legitimate rights available through their bank, payment provider, or applicable law.

12. Educational Product DisclaimerGrowthPustak products are provided for educational and informational purposes only.We do not guarantee:• A specific savings amount• A specific investment return• Increased income• Debt reduction• Financial independence• Wealth creation• Any other specific financial outcomeA customer’s dissatisfaction with their individual financial results does not, by itself, make a purchase eligible for a refund.

13. Changes to This PolicyGrowthPustak may update this Refund & Cancellation Policy from time to time.The version applicable to your purchase will generally be the policy in effect when your purchase was made, subject to applicable law.The latest version will always display its Last Updated date.

14. Contact UsFor refund, payment, delivery, or cancellation questions, contact:GrowthPustak

Email: support@growthpushtak.com
Website: www.growthpushtak.com
Business Location: IndiaWe recommend contacting us using the same email address that you used to make your purchase.Quick Refund Summary

Digital Product: Final Salary Money MapDelivery: Instant digital accessStandard Policy: Successfully delivered digital purchases are generally finalRefund Considered For: Verified duplicate charges, unresolved non-delivery, verified technical/payment errors, or where required by applicable lawChange of Mind: Generally not refundableResults Guarantee: No

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