Legal

Refund Policy

Last updated: 25 October 2026

1. What you are buying, and when it is delivered

Every MoneyInBytes product is a digital download or program. It is delivered when your payment is confirmed: the download button appears on the thank-you page and the download link is sent in your receipt email. Each product page lists exactly what is included and what you need to use it (for example, Money Command Center needs the Microsoft Excel desktop app on Windows or Mac). Please check those requirements, the videos and the screenshots before you buy; at checkout you confirm that you have.

2. When you get a refund

We refund the full amount you paid when your payment went wrong, or when we could not put a product problem right (section 3):

1. Money was taken but your order was not completed (no thank-you page, no receipt email, no download).
2. You were charged more than once for the same order.

We refund these automatically as soon as we see them; you don't need to ask. If you notice one first, write to us with the payment reference from your bank or UPI app.

3. A problem with the product: fix or replacement

If the product does not download, does not open, or does not work as described on its product page on a computer that meets its requirements, write to us within 30 days of your purchase. We will, within 7 days of your message:

• help you fix it (most problems are a setting or a blocked download), or
• give you a replacement: a corrected file, or new downloads of the product.

If we can neither fix the problem nor give you a working replacement within 14 days of your message, we refund you in full (section 6). Otherwise a product problem is put right this way, not by a refund, unless the law of your country requires a refund (section 8).

4. No refund once delivered

After a product has been delivered, there is no refund, including when:

• you changed your mind, no longer need it, or found another product;
• your computer does not meet the requirements shown on the product page (for example, no Microsoft Excel desktop app);
• you are unhappy with how your own budgeting, trading or investing turns out. Our learning products are for education only; they are not advice and promise no outcome.

Bought the wrong edition? Write to us within 7 days and we'll move you to the edition you need; you pay only the difference.

5. How to contact us

Email hello@moneyinbytes.com with your order number (it is in your receipt email), the email address you used to buy, and what went wrong, with a screenshot if you can. We reply within 2 working days.

6. How refunds are paid

• To the same payment method you used, through our payment provider Razorpay, for the full amount in the currency you paid. We deduct no fees.
• We start a refund within 2 working days. It usually reaches you in 5-7 working days for Indian payment methods; card issuers outside India can take longer.
• If your bank converted currency when you paid, the amount you get back in your own currency can differ slightly because of exchange rates. That difference is set by your bank, not by us.
• If a product was delivered for a payment that is refunded, the licence for it ends and you agree to delete your copies.

7. Payment disputes and chargebacks

Please write to us first; most problems are solved within a day. While a dispute or chargeback is open, downloads for that order are paused. If it is decided in your favour, it counts as a refund (section 6).

8. Your rights in your country

India

This policy follows the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020. Grievance Officer: Padma, MoneyInBytes, Sambhaji Nagar, Satara 415004, Maharashtra, India, hello@moneyinbytes.com. We acknowledge every complaint within 48 hours and resolve it within one month.

Australia

Our goods come with guarantees that cannot be excluded under the Australian Consumer Law. You are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure. We don't give refunds for a change of mind; this does not affect those guarantees, and the 30-day period in section 3 does not limit them.

New Zealand

The Consumer Guarantees Act 1993 applies to digital content you buy as a consumer. Nothing in this policy limits your rights under it.

United States

This policy is shown before you pay and applies to every purchase. If the law of your state gives you a right that cannot be waived, that right applies.

Canada

Your provincial consumer protection law applies. If we ever fail to deliver your product, you may cancel and we refund you in full.

Japan

Digital content is non-returnable once delivered (返品特約); refunds are given only as described in sections 2 and 3.

Everywhere else

Mandatory consumer rights where you live are not affected by this policy.

9. Changes to this policy

The policy that applied on the day of your purchase is the one that applies to that purchase.