This Return and Refund Policy applies to all purchases made through https://smsanthosh.com (the "Site"), including the digital product "Finance Mastery for CXOs" (PDF eBook).
Digital Products: Because digital products are delivered instantly and are non-returnable in the traditional sense, we maintain a strict but fair refund policy as outlined below.
1. Nature of Digital Products
All products sold on the Site are digital downloads (PDF files). Once the purchase is completed and the download link is provided, the product is considered delivered and consumed immediately. For this reason, most digital sales are final.
2. Refund Eligibility
Refunds are generally not provided, except in the following specific situations:
Eligible for Refund
- Non-delivery of product: You did not receive the download link within 24 hours of successful payment.
- Technical issue: The PDF file is corrupted, incomplete, or cannot be opened, and we cannot provide a working replacement within 48 hours.
- Fraudulent transaction: You believe the purchase was made fraudulently (report immediately).
Not Eligible for Refund
- Change of mind after download
- Buyer's remorse
- Device/software incompatibility
- Personal dissatisfaction with content
- Requests made more than 7 days after purchase
3. How to Request a Refund
- Email us at collobrate@smsanthosh.com within 7 days of your purchase.
- Include the following information:
- Order / transaction ID (if available)
- Email address used for the purchase
- Date and time of purchase
- Clear description of the issue (with screenshots if applicable)
- We will review your request within 3–5 business days.
4. Refund Process (if approved)
- Approved refunds will be processed to the original payment method.
- Refunds typically take 7–15 business days to appear in your account (depending on your bank/payment provider).
- After a refund is issued, your access to the digital product will be revoked (download link will be disabled).
Processing Time: Once approved, refunds are processed immediately but may take 7-15 business days to reflect in your account depending on your financial institution.
5. Contact for Questions
If you have any questions about this Return and Refund Policy, please contact us:
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