Refund, Cancellation & Delivery Policy

Last updated: 5 November 2026

This policy covers digital products bought on www.pefsinstitute.com from Palak Education and Financial Services (PEFS), #124, Bathindian Street, Near Shiv Mandir, Nabha, District Patiala, Punjab 147201. Payments are processed securely by Razorpay.

1. What you are buying

E-books such as the Monthly Current Affairs compilation are read-only online access on this website. They are not downloadable files. Every page shows the buyer's name and mobile number as a watermark.

2. Delivery

Access is given instantly after a successful payment: the e-book opens on this website in the same browser. Nothing is shipped. Your payment ID (it starts with pay_) is in the receipt from Razorpay; keep it. To open the e-book on another phone or browser, tap Buy, then Already bought it?, and enter your payment ID with the mobile number you used.

3. Refunds

Because access is given immediately and the content can be read at once, digital purchases are not refundable once access has been given.

You will get a full refund if:

• money was deducted but the e-book did not open and we cannot give you access, or
• you were charged twice for the same item.

Contact us within 7 days of payment with your payment ID. Approved refunds go back to the original payment method within 5–7 working days.

4. Cancellation

An order can be cancelled only before the payment is completed. Failed payments are not charged; if money is deducted for a failed payment, the bank or Razorpay returns it automatically, usually within 5–7 working days.

5. Misuse

Sharing, recording, screenshotting or reselling paid material is not allowed (see our Terms & Conditions). If misuse is found, access may be stopped without refund.

6. Contact

Call or WhatsApp 82644 43099, call 98141 73099, email [email protected], or visit our centre in Nabha. We reply within 2 working days.