Refund & Cancellation Policy

1. Digital content — no refund after access

Our courses, practice sets, mock tests, notes and lessons are digital content that is activated immediately after successful payment. Because access cannot be "returned", fees are non-refundable and non-transferable once access has been activated, including (without limitation) where:

• you change your mind, do not use the course, or use it only partly;
• an examination is postponed, cancelled, merged or its pattern, syllabus or eligibility changes;
• you are not satisfied with the difficulty level or your score, or are not selected;
• your device, browser or internet connection is unsuitable (please check with the free demo first);
• a lower price, coupon or offer becomes available later;
• your account is suspended or terminated for breach of the Terms (e.g. account sharing, content copying).

A free demo / sample is provided for every course so that you can evaluate the content, language and platform before paying.

2. When you are eligible for a refund

• Payment debited but access not activated: if your payment is successful but access is not activated and we are unable to activate it within 72 hours of your report, you may choose activation or a full refund.
• Duplicate payment: if you are charged more than once for the same course/plan, the extra amount is refunded in full.
• Course withdrawn by XLCTI: if XLCTI discontinues a paid course before the end of your validity period without offering an equivalent course or extension, we refund the fee proportionate to the unused validity period.
• Other cases required by law: any refund that XLCTI is required to make under applicable law.

3. How to request

• Write to admin@xlcti.com (or call +91-9936881600) within 7 days of the payment, with your registered mobile number, order/payment ID and the reason.
• Approved refunds are initiated within 7–10 working days to the original payment method. Bank/UPI processing times are outside our control.
• Any referral discount, partner commission or reward linked to a refunded payment is reversed.

4. Subscriptions and auto-renewal

Where a recurring (monthly/yearly) plan is offered, you may cancel future renewals at any time from your account or by writing to us. Cancellation stops future charges; the current paid period is not refunded and access continues until it ends.

5. Chargebacks

If you raise a chargeback or payment dispute without first contacting us, we may suspend the account while the dispute is reviewed and will provide the bank with records of your access and usage. Fraudulent chargebacks may lead to permanent termination and legal action.

6. Government / third-party fees

Registration, examination or other fees that XLCTI collects and remits to NIELIT or any other authority on your behalf are governed by that authority's rules and are refundable only if and to the extent refunded by that authority.

Grievance Officer: Manish Gupta (Director) · Email: admin@xlcti.com · Phone: +91-9936881600 · Address: Agarwal Sabha Bhawan, Sadar Bazar Cantt, Lucknow, Uttar Pradesh 226002, India.
We acknowledge every grievance within 48 hours and aim to resolve it within 30 days of receipt. Please mention your registered mobile number and order ID.