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Refund and cancellation policy

Pass or get ₹999 back

If you buy the ₹999 plan, do the work below, and still do not qualify in your promotion exam, we refund ₹999. All of these must be true:

  1. You paid ₹999 for the plan at least 7 days before the exam date, and that same plan was active on the exam date.
  2. You chose your cadre and the 4 subjects (of 7) you will write, and registered the exam (company and exam date) on the guarantee page at least 7 days before the exam date. Only one upcoming exam can be registered at a time; if the date changes, cancel it and register the new date (again at least 7 days before). If you gave a roll number then, the claim must use the same roll number.
  3. The MCQ bank of your 4 subjects has at least 2000 questions together. Until then, the guarantee does not apply.
  4. By the end of the exam date you studied at least 75% of the counted study material of your cadre (any parts you like), as measured by this website.
  5. By the end of the exam date you answered at least 50% of the MCQs of your 4 subjects (for example 2,000 of 4,000 when each subject has 1,000) in submitted tests, with at least 15 seconds per answer, and at least 30% of your answers were correct. Each question counts once, and only your first answer to it counts for accuracy. Tests open at the same time are checked together for the 15 seconds rule.
  6. You did not qualify, and you send a claim on the guarantee page within 180 days after the exam date, with the official result or score card as proof.

How we measure study

  • Study time counts only on this website: while a PDF page is on your screen and you touch, scroll or press a key at least every 2 minutes, or while our audio or video plays. Each PDF page needs about 1.5 minutes; audio and video need most of their running time.
  • Time counts once, even with many tabs or devices open. At most 8 hours a day are counted.
  • YouTube videos, PowerPoint files and anything else we cannot measure are not counted, neither in your study nor in the target.
  • You may download any material except videos (videos play only on this website). Every PDF and PowerPoint page carries your name and phone number, and a downloaded MP3 carries them in its details. Sharing your copy is not allowed. Reading a downloaded copy is not measured, so it does not add to your study time.
  • Material and MCQs added or changed in the last 14 days before your exam are not counted, so the target does not change at the last minute.

Fair use

  • One refund per person, for one exam, even with more than one account. We match accounts by mobile number and salary number.
  • An account is for one person. At most 2 devices can be logged in at the same time.
  • We check every claim with the official result list. A false claim, a shared account, or the use of software or scripts to fake study time ends the claim and the account, without refund.
  • If a claim is rejected (for example an unclear proof), you can send it again. After 2 rejected claims, no more claims are accepted.
  • When a refund is approved, the plan ends on that day.

Other refunds

  • If you paid twice by mistake, or paid but did not get access, we refund the extra payment in full. Email [SUPPORT EMAIL] with your user ID and payment ID.
  • Apart from this and the guarantee above, the plan is not refundable, because digital content is used at once.

How long it takes

We answer a claim within 15 working days. Approved refunds go back to the same card, bank or UPI account within 7 working days after approval.

Cancellation

Plans do not renew by themselves, so there is nothing to cancel. Access simply ends on the expiry date.

Last updated: [DATE]

InsuranceToppers

Study like a topper: mock tests, notes, videos and audio for general insurance promotion exams, Scale I to V.

ExamsScale I → IIScale II → IIIScale III → IVScale IV → V
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Independent practice website, not linked to GIPSA, IRDAI or any insurer. All questions are exam-pattern practice questions written by us. Check the official notice for your exam pattern.
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