Clear payment and refund rules.

JAGTIV Blue is purchased as a fixed 12-month access period. It does not renew automatically, and no further payment is charged unless you manually choose to purchase another access period.

Because there is no automatic renewal, you do not need to cancel JAGTIV Blue to prevent a future charge. Access normally remains available until its stated expiry date.

If payment is successfully completed but JAGTIV Blue is not activated, JAGTIV will first verify the transaction and work to activate the purchased access.

If the verified purchase cannot be activated within a reasonable period, JAGTIV will provide an appropriate resolution. Depending on the circumstances, this may include activation, replacement access, or a refund through the applicable payment channel.

If the same access period is charged more than once because of a verified duplicate transaction, the additional eligible charge will be refunded or otherwise resolved.

A receipt, transaction ID, purchase token, order reference, or equivalent payment record may be required to verify the payment. A mobile number alone is not sufficient proof of a transaction.

A successfully activated JAGTIV Blue purchase is not automatically refundable merely because the learner changes their mind, stops using JAGTIV, changes an examination goal, or does not use all available features.

A refund request may still be reviewed where required by applicable law, relevant app-store rules, or the specific circumstances of the transaction.

Deleting private learning data while keeping the account active does not automatically end an active JAGTIV Blue access period.

Requesting deletion of the entire account does not automatically create a right to a refund. The account will first enter the recovery period explained through JAGTIV's account-deletion process.

After permanent deletion, any remaining Blue access may be restored to a new account only after the original receipt, transaction ID, purchase token, or equivalent payment record is successfully verified.

Restored access will continue only until the original expiry date. Time during which an account remained deleted, inactive, or unused will not normally be added to the original access period.

If a verified JAGTIV Blue purchase cannot be activated, restored, or used because of a problem within JAGTIV's control, JAGTIV will first work to restore the purchased access.

Depending on the nature and duration of the problem, an appropriate resolution may include activation, restoration, an access extension, replacement access, or a full or partial refund.

A temporary interruption that is resolved within a reasonable period without materially affecting the purchased access does not automatically create a right to a refund.

Refund handling depends on where the purchase was completed.

Purchases made directly through the JAGTIV website should be raised with JAGTIV using the transaction details shown on the payment receipt.

Purchases billed through the Apple App Store or Google Play may need to be submitted through the applicable store's refund process. JAGTIV may assist with purchase verification or access issues, but the relevant store may make the final decision for a refund processed through its billing system.

Store-issued refunds remain subject to the store's rules, the transaction details, the user's location, and applicable law.

When a refund is approved, the amount and its effect on JAGTIV Blue access will be explained before the refund is processed.

A full refund will end the paid access connected to that purchase. A refunded, reversed, disputed, or charged-back purchase cannot be used to activate or restore JAGTIV Blue.

Where a partial refund or another resolution is appropriate and permitted, JAGTIV may consider the reason for the request, access already provided, payment-provider rules, applicable taxes, and applicable law.

Refunds are normally returned through the original payment channel. Processing time may depend on the payment provider, app store, bank, and payment method.

If you believe that a payment was made without your permission, report it promptly to your bank, payment provider, app store, and JAGTIV.

JAGTIV may temporarily restrict the paid access connected to a disputed transaction while the payment status is reviewed.

The outcome may depend on the payment provider, app store, bank investigation, transaction records, and applicable law. A payment that is reversed or charged back cannot continue or restore JAGTIV Blue access.

To review a payment or refund request, JAGTIV may ask for the purchase date, amount, purchase platform, receipt, transaction ID, purchase token, order reference, and the JAGTIV account connected to the purchase.

A mobile number alone is not sufficient proof of payment. Submitted payment information will be checked against available payment-provider or app-store records.

Never send an OTP, UPI PIN, card PIN, password, CVV, or complete payment credential to JAGTIV.

For a purchase made directly through the JAGTIV website, where a discretionary refund is approved after paid access has been activated, the refundable amount may be reduced only by actual, non-refundable transaction charges directly connected to that payment.

General accounting, staffing, administrative, hosting, or operating expenses will not be deducted.

The amount paid, any applicable transaction-specific deduction, the final refundable amount, and the effect on JAGTIV Blue access will be explained before the refund is processed.

Any refund will be based on the amount actually paid by the user, not a higher displayed, promotional, or undiscounted price.

A refund request will be reviewed after the information required to verify the transaction has been received.

JAGTIV will communicate whether the request is approved, declined, or requires additional information. Where a discretionary website refund is approved, the refundable amount and effect on paid access will be explained before processing.

Approved refunds will normally be returned through the original payment channel. The time taken for the amount to appear may depend on the payment gateway, app store, bank, payment method, and settlement process.

JAGTIV will confirm when its part of the refund process has been completed, but it cannot control additional processing time taken by an external bank, app store, or payment provider.

JAGTIV may update this Refund and Cancellation Policy when payment methods, purchase platforms, available access, applicable requirements, or operational processes change.

The updated Policy and its effective date will be displayed through JAGTIV. Material changes will apply to future purchases and future refund requests from the stated effective date.

A later Policy update will not retrospectively cancel a refund that JAGTIV has already approved or remove rights protected by applicable law.

For a website payment concern or refund request, contact JAGTIV at support@jagtiv.com with the relevant transaction details.

Purchases made through the Apple App Store or Google Play may also need to follow the applicable store's refund process.

Nothing in this Policy limits rights or remedies available under applicable law.

This Policy should be read together with the Terms and Conditions and the Privacy Policy.

JAGTIV is a product of PROJECT-K AXON PRIVATE LIMITED.