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Refund Policy

Introduction

The website www.CampusDunia.com and mobile application (collectively the “Platform”) and the information, services and other materials contained therein are provided and operated by Entritt Solutions Private Limited (referred to as “we”, “us” or “CampusDunia”). CampusDunia offers online admissions for school, college, university, training institutes or for any educational institutions having online, offline courses curated and specially designed education and industry relevant diploma, trainings, exams related information and certification Program/Courses/Courses (“Program/Courses/Courses”). CampusDunia also offers online payment and study finance services through its associated Partner or third-party service providers. Please review our Terms of Use, Privacy Policy and other policies available on the Platform (collectively the “Terms”) that govern the use of the Platform and Program/Courses/Courses. Each Program/Course may have a separate set of terms dealing with refunds, deferrals, payments etc. governing such Program/Course and our corporate clients may have executed separate written agreements with us, which, in the event of a conflict, will supersede these Terms to the extent of the conflicting provisions. These Terms shall apply to CampusDunia hosted mobile apps, WhatsApp groups, Facebook groups, Instagram pages, Facebook pages, email/SMS/phone communications and other social media forums hosted by CampusDunia which shall be deemed to be part of the ‘Platform’ by reference. You acknowledge that certain parts of the Platform, as mentioned above, are provided by third party service providers, and you agree to abide by their terms and conditions. CampusDunia shall not be responsible for any disruption of services caused by such third-party service providers. Please note that the use of the Platform and Program/Courses/Courses constitutes an unconditional agreement to follow and be bound by the Terms. Although you may “bookmark” a particular portion of the Platform and thereby bypass these Terms, your use of the Platform still binds you to these Terms. We may change these Terms from time to time without prior notice. You should review this page regularly. Your continued use of the Platform and Program/Courses/Courses after changes have been made will be taken to indicate that you have read and accepted those changes. You should not use the Platform or Program/Courses/Courses if you are not happy with any changes to these Terms. CampusDunia makes no representations that the Platform operates (or are legally permitted to operate) in all geographic areas, or that the Platform, or information, services or products offered through the Platform are appropriate or available for use in other locations. Accessing the Platform from territories where the Platform, or any content or functionality of the Platform or portions thereof is illegal, is expressly prohibited. If you choose to access the Platform, you agree and acknowledge that you do so on your own initiative and at your own risk and that you are solely responsible for compliance with all applicable laws.

User Conduct Policy

Whether you have enrolled for a Program/Course or simply browsing the Platform, once you have accessed the Platform or Program/Courses/Courses, you shall be considered a ‘user’ for the purpose of these Terms. You are responsible for all your activities in connection with the use of the Platform and Program/Courses/Courses. You hereby agree to fully comply with all applicable local, provincial, state, national and foreign laws, treaties and regulations in connection with such use. You shall not resort to any unethical practices while using the Platform. Without limitation, you will not post or transmit, or cause to be posted or transmitted, any communication or solicitation or other “phishing”, “pharming” or “whaling” message designed or intended to obtain password, account, personal information, confidential information or private information from any user of the Platform or any other third party whatsoever. However, if any such event does take place, CampusDunia shall not be liable for any loss in data or if the user’s device, computer or any other property is compromised in any manner. You acknowledge and agree that CampusDunia has the right to report any and all suspicious or illegal activity to the appropriate legal or police authorities without notice to you. During your use of the Platform and Program/Courses/Courses, you will not:

  • harass other users, Student/Applicants, attendees, support agents or visitors;
  • cheat on any homework assignment or exams for the Program/Course;
  • will not post online any secured testing materials;
  • will not share solutions to homework assignments or exams;
  • will notify the instructors immediately if you become aware of any other user cheating or breaching these Terms, and will comply with the requirements of the specific applicable code of conduct, if any, relating directly to a Program/Course in which such user is enrolled.

User Accounts, User Registration and Delivery of Services

In order to participate in most Platform activities and to apply for a Program/Course, you will need to register for a personal account (“User Account”) by providing an email address and a password that is unique. Upon payment of the Program/Course fees – in part or whole depending on the Program/Course, CampusDunia shall deliver the terms of use of the Program/Course and will grant you access to the Program/Course. The invoice may be provided to you along with the email confirmation or within two (2) months thereafter. This shall be proof of delivery against the successful payment of fees. Owing to certain exceptional circumstances, if CampusDunia has granted you access to a Program/Course pending payment, and CampusDunia does not receive payments within the stipulated time periods, CampusDunia may, at it owns discretion withdraw your access to the Program/Course, without giving any prior notice. You agree that you will never divulge or share access to your User Account, with any third party for any reason. You also agree that you will create, use, and/or access only one User Account and that you will not use any User Account other than your own. In setting up your User Account, you may be prompted or required to enter additional information, including but not limited to your name and email address. Additional information may be required to confirm your identity. You understand and agree that all information provided by you is accurate, current and complete and that you will maintain and update your information to keep it accurate, current and complete. You acknowledge that if any information provided by you is untrue, inaccurate, not current or incomplete, we reserve the right to terminate your use of the Platform and your enrolment in a Program/Course, to the extent applicable. In addition to the registration process, as part of your use of the Platform or participation in the Program/Courses/Courses, we may obtain certain information about you and your performance in the Program/Courses/Courses. Some of this information may be personally identifiable information. We may use, maintain, and store this information to provide certain services to you now and in the future and may share such information with our Educational Partners or third parties in conjunction with such services or for the purpose of marketing. For example, as further detailed in our Privacy Policy, we may share certain materials or information about you with third parties, including your grades/scores in our classes. Access to the Program/Courses/Courses is restricted to attendees or Student/Applicants that have specifically been granted access by CampusDunia. By registering your User Account, you agree that:

  • You are registered for the Program/Course only once and will not set up multiple User Accounts; and
  • You will abide by these Terms and any terms specific to the Program/Course.

Additional requirements apply to Student/Applicants. As a Student/Applicant, in addition to the points above, you agree that you are registering with the intent to complete the assignments, if any, that are relevant and applicable to the Platform or Program/Courses/Courses for which you have enrolled.

Payment Terms & Refund Policy

Unless otherwise expressly agreed in writing by CampusDunia, full payment for participation in a Program/Course is required at the time of registration. In case of Program/Courses/Courses that include a trial window/grace period / refund time duration, such trial window/grace period / refund time duration shall be made available only after full payment. During the trial window/grace period / refund time duration, upon a request of the Student/Applicant, and to the satisfaction of CampusDunia, CampusDunia may choose to refund the Program/Course Fees paid, subject to such charges as may be decided from time to time. Once the trial window/grace period / refund time duration has concluded, there will be no refund allowed for any reason whatsoever. It is the sole responsibility of the user enrolling for a Program/Course to check the accuracy of, and evaluate the suitability and relevance of, the Program/Course elected. The enrolment to a Program/Course is non-transferable. To make payment for any Program/Course or to purchase any services or products offered by CampusDunia through the Platform, you must have internet access and a current valid accepted payment method as indicated during sign-up (“Payment Method”). CampusDunia does not store any of your credit card information or such other information restricted by RBI for processing payment, and has partnered with payment gateways and NBFC or Loan Issuing Authority( third-party payment provider) for the payment towards the services. By using a third-party payment provider, you agree to abide by the terms of such payment provider. You agree that in case CampusDunia’s third-party payment provider stores any such information, CampusDunia will not be responsible for such storage, and it will be solely at your discretion to allow the third party to store such information. Any loss of such information or any loss incurred by you due to usage of such information will be solely a loss incurred by you, and CampusDunia is in no ways liable for any such losses, and is neither responsible to reimburse / make good such losses in any manner whatsoever. You also agree to pay the applicable fees for the payments made through the Platform. Failure to pay may result in withdrawal of your access to a Program/Course. Depending on where you transact with us, the type of payment method used and where your payment method was issued, your transaction with us may be subject to foreign exchange fees or exchange rates. CampusDunia does not support all payment methods, currencies or locations for payment. All applicable taxes are calculated based on the billing information you provide us at the time of enrollment/purchase. We do not provide refunds for lack of usage or dissatisfaction. If you have subscribed for a free trial, the free trial period will last for the period of time specified during your sign-up. Free trials may not be combined with certain other offers. If you have subscribed to a particular paid service or product within the last six (6) months, or if your Payment Method, physical address or email address has been associated with an account for that paid service, you are not eligible to receive a free trial for that service or product. If you begin your subscription with a free trial, you may be ineligible for certain features of a product or service during your free trial period.

Use of Program/Courses/Courses

CampusDunia reserves the right to cancel or reschedule any Program/Course or live lectures/webinars, or to alter, modify or rearrange the schedule of topics, as well as the point value or weight of assignments, tests, quizzes, exams, projects and other such evaluations of progress. You also understand that CampusDunia, at its sole discretion, may limit, suspend, or terminate your use of the Platform or Program/Courses/Courses and/or all CampusDunia-provided services related to the Program/Courses/Courses, such as access to CampusDunia associated partners , educational institutions or support services, evaluation services, or certifications. You also understand that CampusDunia may modify or discontinue all services related to its Program/Courses/Courses/fee at its sole discretion. You agree that CampusDunia shall not be liable to you or to any third party for any such modification, suspension or discontinuance. Nothing in these Terms shall be construed to obligate CampusDunia to maintain and support the Platform or Program/Courses/Courses or any part or portion thereof or any associated services. If you no longer wish to use any Program/Course, you may terminate your participation by giving notice to CampusDunia and to associated Educational Institution or associated partner where you have opted the course/program. Refund policy is subject to Educational Institution or associated partner refund policies . Nothing in these Terms shall be construed to obligate CampusDunia to maintain and support the Platforms, Program/Courses/Courses or any part or portion thereof. Participants of CampusDunia online live lectures and webinars shall be provided access to such classes via email. You agree not to share such access with any third party. If you are unable to attend an online live lecture/webinar, please provide CampusDunia with prior intimation. You shall be exclusively responsible for obtaining and maintaining any equipment or ancillary services needed to connect to, access, receive or use the Platform, including, without limitation, hardware devices, software, and other internet, wireless, broadband, phone or other mobile communication device connection services. You shall be exclusively responsible for ensuring that such equipment or ancillary services are compatible with the Platform and shall be responsible for all charges incurred in connection with use of the Platform and Program/Course in connection with all such equipment and ancillary services.

Educational Partners & Accreditation

CampusDunia is NOT a University, NOT an educational institution , Not a Payment gateway, Not a Insurance company nor NBFC, but an education service provider through its technology platform, offering Program/Courses/Courses / information/ payment gateway services , Instant Study Loan, Secure Study membership in consultation with Indian and International universities, educational institutions, governmental authorities, NGO’s, corporates etc. (each an “Educational Partner” “ educational institution” “ associate partner”). Admission to the degree/diploma Program/Courses/Courses of an Educational Partner is separate from being accepted into and/or taking one or more Program/Courses/Courses. You agree and acknowledge that nothing in these Terms or otherwise with respect to the use of the Platform or any Program/Course (a) enrolls or registers you in an Educational Partner, or any other school, division, institute or Program/Course of or associated with an Educational Partner, (b) allows you to access or use the resources or receive any benefits or privileges of any Educational Partner, beyond the Program/Courses/Courses. CampusDunia may offer a credential or other acknowledgment for participants who have satisfactorily demonstrated mastery of the Program/Course material. The decision to award any such credential acknowledgment to a given participant will be solely within the discretion of CampusDunia. CampusDunia may choose not to offer any credential or other acknowledgment for some Program/Courses/Courses. It may decide at its sole discretion whether to provide a record concerning a participant’s performance in a Program/Course. The format of any credential or other acknowledgement, and of any performance, provided by CampusDunia relating to Program/Courses/Courses will be determined by CampusDunia in its sole discretion and may vary from Program/Course to Program/Course. You may be awarded a certificate of accomplishment upon successful completion of a Program/Course (“Program/Course Certificate”), at the discretion of CampusDunia and its Educational Partners, and you acknowledge that any such Program/Course Certificate awarded may not be affiliated with any Educational Partner, and may not stand in the place of a course taken with an Educational Partner or convey academic credit or certification for any Educational Partner. You will not receive academic credit from CampusDunia or any other Educational Partner for taking a Program/Course. If you are taking a Program/Course for academic credit or certification as a Student/Applicant of, or otherwise through, an Educational Partner, any such credit or certification may only be awarded directly by the Educational Partner based on its own policies and procedures, and you may be required by that Educational Partner to be registered or enrolled with the Educational Partner in order to receive credit or certification; and, in any event, CampusDunia will not have any authority or responsibility with respect to any award of academic credit or certification provided by an Educational Partner for a Program/Course. You acknowledge and agree that any Program/Course affiliated with an Educational Partner may be subject to terms, policies and procedures of the applicable Educational Partner in addition to CampusDunia’s Terms. Without limiting the foregoing, if you are a Student/Applicant registered or enrolled at, or are otherwise attending, an Educational Partner and are taking a Program/Course for credit or certification through that Educational Partner, you acknowledge and agree that (a) the Educational Partner may have its own terms, policies or procedures regarding your eligibility to participate in the Program/Course, your participation in the Program/Course, the requirements or prerequisites for receiving credit or certification for the Program/Course, and/or your educational or Student/Applicant records as they may relate to your participation and performance in the Program/Course, and (b) your educational or Student/Applicant records are maintained by the Educational Partner, including for purposes of assigning credit or certification, and not CampusDunia.

Services Offering by CampusDunia & its Process

CampusDunia offers following services through its technology platform.

1. Instant Study Loan -(No Cost EMI)- CampusDunia offers technology platform to assist the applicants/Parents/User in getting Instant Study Loan upto 3, 00,000 from Loan Issuing Authority/NBFC to students/Applicants with minimum documentation–(Aadhar card and pan card of Parent/user) and facilitates the loan fee disbursement to Educational institution or applicant after deduction of processing fee i.e. upto 15% of loan amount. Student/Parent/User/Applicants will pay back the EMI’s to loan issuing Partner/NBFC without any interest in Easy EMI’s in next 9 months.

Step to avail:-

Student/Parent need to register on CampusDunia register form https://www.campusdunia.com/login with his/her Mail Id, Mobile number, other details like Aadhar card and pan card. Parent/Student /User who don’t have pan card or negative Cibil score will not be able to use the loan services through the CampusDunia Platform. Student/Parent/User needs to select the institution and to select the course for which they want to pay fee or to opt services of CampusDunia for Instant Study Loan & Accommodation Loan. If Student /Parent User Select the Apply Loan then we will redirect it to our associated Loan Issuing Authority/NBFC. Student/Parent/User need to sign up to provide the details like Email Id, Mobile number, Aadhar Card Number, Pan Card to avail the Loan/Credit Limit. Loan Issuing Authority/NBFC will seek the access permission of their bank statement verification for the approval. Once user will do they will approve the loan/credit limit within 4 hours and maximum 24 hours. Then Student/Parent need to come back on the Course fee page of CampusDunia and Select the fee amount payment through Apply Loan and click the payment option . On Successful Payment CampusDunia will send the notification to Student/Parent/User on registered mail id on CampusDunia for the payment details made . Same they can see into their User Dashboard of CampusDunia in the Payment History.Settlement of loan fee will be done by Loan Disbursing authority within next 48 hours.Loan disbursing authority will settle the Loan Settlement Amount into Institution Account after deducting the Loan Processing Fee.

Example: -

If Student/Parent/ User make the Course fee payment of 1, 00,000 then settlement into institution or into applicant account will be 85,000 after deducting the Loan Processing Fee (15% of Loan Amount). Student/Parent/User need to pay back this loan amount of Rs 1,00,000 in easy EMI’s in next 9 months without any interest.


Instant Study Loan -(Standard EMI)- CampusDunia offers technology platform to assist the applicants/Parents/User in getting Instant Study Loan upto 3, 00,000 from Loan Issuing Authority/NBFC to students/Applicants with minimum documentation–(Aadhar card and pan card of Parent/user) and facilitates the loan fee disbursement to Educational institution or applicant after deduction of processing fee i.e. upto 5% of loan amount + standard rate of interest up to 18%.Student/Parent/User/Applicants will pay back the EMI’s to loan issuing Partner/NBFC with interest in Easy EMI’s.

2.Secure Study Membership –

CampusDunia through its technology platform offers Secure Study Membership to Students who take admission into its associated Institutions. Secure membership starts from INR 999 to INR 1,999 Yearly . Secure Study membership help students to get their study continue in case of any financial crisis or any mishap in the family with earning member. Student will also get the health coverage * during the hospitalization of above 24 hours and can avail once in a year of subscription. Student/Parent will also get discounts on making online fee payment or any other payment on CampusDunia Platform like accommodation booking, food, travel & lifestyle.

( Note: - Insurance Plans. Premium, claim settlements and Subscription is subject to the term & conditions set up by CampusDunia and insurance company).

Step to avail:-

Student/User can avail the Subscription by simply applying it online on CampusDunia during admission or after admission. It is available for both existing and New Students into CampusDunia associated Institute.

3. Online Admission , course Selling & Cashback Offers-

CampusDunia through its technology platform offers Cash back to its User - Student who take admission through loan into CampusDunia associated Institutions or who have opted the secure study membership. This cash back they can use to avail fee discount or fee payment or another offer on CampusDunia or of its associates.

Step to avail:-

Student/User can avail the cash back while taking the new admission online through CampusDunia technology Platform into its Associated Institutions. Cashback is subject to fee amount paid through CampusDunia technology platform and maximum will be upto 10% of the fee Paid.

Steps to note: -

Refund Policy

  • For newly registered Institution and Students; CampusDunia through its technology platform are offering loan upto 3, 00,000.
  • No Cancellation/Refund request will be entertained directly by CampusDunia or loan issuing authority from user/Parent/applicant after the loan disbursement into particular Institution. However if Institute set or follow any guidelines for refund policy /cancellation as per their governing body norms then they can refund amount directly to Loan settlement authority with intimation to CampusDunia through mail or by written communication.
  • While offering Loan services by Institutions to student/parent/user through CampusDunia technology Platform , Institution need to mention in their admission form, website or any sort of agreement with students ; that they only get the refund amount of settlement amount made by loan disbursing authority against the loan amount opt by them . And Parent/User /Student are liable to pay the Outstanding /remaining Amount after the refund amount received from the Institution to loan disbursing authority and after the deduction of service charges+ Processing fee taken by CampusDunia from loan disbursing authority and 1% penalty of the total loan amount disbursed by the loan issuing authority through the loan disburser .
  • Institution will inform the Refund and cancellation Request to CampusDunia within 24 hours from the request date and time made by Student/User /Parent who took Loan services through CampusDunia Platform.
  • On approving the refund /cancellation request Institution has to refund the balance loan settled amount to loan disbursing authority within next bank working 48 hours from the approval date and time. Failure so may led to penalty. While Loan issuing authority will update it against the user account in next 96 bank working hours from the date and time of settlement amount made by the Institution.
  • User/Parent/student will pay the EMI to Loan issuing authority only.
  • Refund will be settling from Institutions to Loan Disbursing Authority and loan disbursing authority will transfer it to Loan Issuing Authority.
  • Aadhar Card of Parent/User is mainly Use to verify the Identity of User and Pan card is required for the Loan Approval.
  • Loan Approval is always subject to Credit Eligibility criteria check by Loan issuing authority/NBFC. Time for loan approval is 4 hours to 24 hours( Maximum). All this process is online process but in case of any exception cases we need to take bank statement of minimum 6 months from user/parent who don’t have net banking access. Even a non smart phone user can also apply the Instant Study loan through CampusDunia web application.

Loan Approval depends on the several factors and consideration, subject to credit limit approval, which are given as below: - One must be Salaried Class Employee with Minimum 15,000* salary per month for the loan approval of upto 40,000*. For Person with Salaries /income range from 35,000* to 40,000*per month, loan approval will be upto 1, 00,000*. For Age with minimum 21 to 35 years and he/she may or may not have credit score history can get loan approval upto INR 1,00,000* and it includes the other credit eligibility check set by loan disbursing partner /lender. For Age between 35 to above he or she must have credit score history. But if they don’t have then in these exception cases loan approval will take upto 24 hours subject to credit eligibility check Other credit eligibility check set by loan disbursing partner /lender. For Business Class Parents/User loan approval will take upto 24 hours if they must have credit score history and else loan will not approve.

Abbreviations

“Loan Issuing Authority” is hereby Called as Lender who is issuing the loan i.e NBFC
“Loan Disbursing Authority” is hereby called as disburser who is transferring the loan approved amount to Institution after deducting the processing fee i.e Razorpay
“ Loan Processing Fee /Processing Fee“ Fee taken by CampusDunia on the loan amount.
“ Loan Amount “ is the amount which Student/Parent/user will Opts through CampusDunia portal for course fee or any other payment
“Loan Disburse Amount” is the amount disbursed by the Loan Issuing authority to loan disburser
“Loan Issuing Partner” is hereby called as CampusDunia.
“Loan Settlement Amount /Settlement of Loan Fee“ is the Amount, which Settled into the Institution account after deducting the CampusDunia Processing fee from Loan Disburse amount .
“Refund Amount “ is the amount which Loan Issuing authority will get from Institutions against the loan Settled amount by loan disburser for the User after deducting the Services charge from loan disburse amount.
“Outstanding Amount- In Refund case “ is the amount which student need to pay to Loan Issuing authority after receiving of refund amount i.e. Outstanding Amount =1% of Penalty of Loan Amount Disburse + ( Loan Amount Disburse –Refund Amount)
“EMI”Installment Which Student/user/parent need to pay to loan Issuing authority

CampusDunia’s Intellectual Property Rights

“Content” means any and all information and data which may include but not be limited to text, software, scripts, graphics, maps, photos, sounds, music, videos, logos, offers, advertisements, interactive features and other materials. The Platform, Program/Courses/Courses and related services are owned and operated by CampusDunia and its licensors. All Content or other material available on the Platform or through the Program/Courses/Courses, including but not limited to on-line/live lectures, speeches, video lessons, quizzes, presentation materials, homework assignments, Program/Courseming assignments, Program/Courses/Courses, code, and other images, text, layouts, arrangements, displays, illustrations, documents, materials, audio and video clips, HTML and files (collectively “CampusDunia Content”), are the property of CampusDunia and/or its affiliates or licensors and are protected by copyright, patent and/or other proprietary intellectual property rights under India and foreign law. All software used on the Platform is the property of CampusDunia and is protected by Indian and international copyright laws. CampusDunia logos, trademarks and service marks which may appear on the Platform and in the Program/Course (“CampusDunia Marks”), are the property of Entritt Solutions Private Limited and are protected under Indian and foreign laws. All other trademarks, service marks and logos used on the Platforms, Online Courses or Program/Courses/Courses, with or without attribution, are the trademarks, service marks or logos of their respective owners. In addition, elements of the Platforms are protected by trade dress and other Indian and international intellectual property laws and may not be copied, reproduced, downloaded or distributed in any way in whole or in part without the express written consent of CampusDunia. As a condition of accessing the Platforms and/or using the Program/Courses/Courses, you agree not to (a) reproduce, duplicate, copy, sell, resell or exploit for any commercial purpose any CampusDunia Content or any portion thereof, other than as expressly allowed under these Terms; (b) use the CampusDunia Marks or the name, trademarks, service marks, or other materials of any Educational Partner in connection with, or to transmit, any unsolicited communications or emails or for any other unauthorized purpose. Please verify all Content prior to use. In the event you come across any Content which is incorrect, infringing, offensive, indecent or objectionable, please notify us immediately at address mentioned at the bottom of this page. Additionally, from time to time, CampusDunia (or its third-party service providers on behalf of CampusDunia) may request users to review CampusDunia Content or beta test the Platform. The works derived from such activity shall remain the sole and exclusive property of CampusDunia or its third-party service providers, as applicable.


ARBITRATION & APPLICABLE LAW


In case of any Dispute or Controversy, claim arising out of Interpretations, applications or in Connection related to Entritt Solutions must be resolved by a Court having Jurisdiction in Chandigarh, India