As a student or prospect of the Institute, you maintain absolute sovereignty over your data profile:

• Right to access the personal data we hold about you.
• Right to request correction of any inaccurate or outdated personal information.
• Right to request data portability — receiving a copy of your data in a machine-readable format.
• Right to withdraw consent for marketing communications at any time by writing to contact@gurukul.education.

We use standard industry encryption (TLS/HTTPS) to protect data in transit between your browser and our website. Enrolment and payment data is handled by PCI-DSS compliant payment aggregators and stored on secure servers. We restrict internal access to personal data on a need-to-know basis for legitimate coaching, admissions, and support purposes.

This section governs the payment and fee financing services offered by Prepper Gurukul ("Institute", "We", "Us") through our payment gateway and student fee financing partners. By initiating a payment or availing our financing facility, you ("Student", "Parent", "You") agree to be bound by the terms below in conjunction with our overall Privacy Policy.

6.1 General Payment Terms

• All fees and transactions are processed in Indian Rupees (INR).
• The Institute is registered at Ground Floor, B-Wing, Khullar Apartment, Near IDFC Bank, Byramji Town, Nagpur 440013, Maharashtra.
• Prepper Gurukul is Central India's only ACCA Gold Learning Partner and operates in accordance with ACCA UK Learning Partner guidelines, applicable Indian consumer protection laws, and coaching institute norms.
• The Institute does not levy capitation fees or unapproved charges. All fees are disclosed through direct counselling and formal enrolment documentation.

6.2 Online Payment Methods

• Students and parents may use online payment methods including UPI, Net Banking, Debit Cards, Credit Cards, and approved fee financing partners (EMI facilities).
• Payments made through the payment gateway typically reflect in the Institute's account within two (2) working days.
• The Institute cannot accept liability if a payment is refused or declined by the card issuer, bank, or financing partner for any reason.
• If the card issuer or bank declines a payment, the Institute is under no obligation to notify you of the decline. You are responsible for verifying with your bank that the deduction has been processed correctly.

6.3 Student Fee Financing Partnership

• The Institute has partnered with an approved student fee financing company to offer EMI-based fee payment options for eligible programmes.
• To process a financing application, we will share limited billing and enrolment information (name, contact details, programme enrolled, fee amount) with the financing partner strictly for the purpose of loan/EMI processing.
• Approval of the financing application is at the sole discretion of the financing partner and subject to their independent underwriting, eligibility, and documentation requirements.
• Any loan or EMI agreement is a direct contractual arrangement between you and the financing partner. Prepper Gurukul is not a lender or financial intermediary and is not liable for the terms, interest rates, or servicing of the loan.
• You are advised to read the financing partner's own terms, privacy policy, and repayment schedule carefully before signing any agreement.

6.4 Data Handling for Payments

• We do not store credit card, debit card, or bank account details on our servers. All card and account information is captured directly by the payment aggregator or financing partner, both of which operate under PCI-DSS and RBI-mandated standards.
• Billing details are shared only with the payment aggregator or financing partner for the strict purpose of processing your transaction.
• Your personal information continues to be governed by applicable Indian data protection laws, including the Digital Personal Data Protection Act, 2023.

6.5 Refund & Cancellation Policy

• General: Fees paid to the Institute are generally non-refundable once a student is enrolled and coaching has commenced.
• Duplicate Payments: If a payment is deducted twice against a single fee installment due to a technical or gateway error, the excess amount will be refunded to the original payment source within 7–10 working days, subject to any payment gateway charges deducted at source.
• Withdrawal Before Course Commencement: Requests for refund received in writing before the official start of the batch will be processed after deducting a reasonable administrative fee, at the Institute's discretion.
• Special Circumstances: In cases of medical incapacity, family relocation, or other unforeseen hardship, the Institute may consider a partial or pro-rated refund on a case-by-case basis. Such requests must be submitted in writing with supporting documentation.
• Financing-Related Refunds: If your fees were paid through a financing partner and a refund becomes due, the refund will be credited back to the financing partner, who will then adjust it against your outstanding loan balance in accordance with their own terms.

6.6 Limitation of Liability

• The Institute is not responsible for any loss, damage, or claim arising from incorrect information provided by you during the payment or financing process.
• In no event shall the Institute, its payment gateway providers, or its financing partners be liable for any indirect, incidental, or consequential damages arising from the use or inability to use the payment facility.
• The Institute reserves the right to modify these payment terms at any time. Continued use of our payment services after such changes constitutes acceptance of the modified terms.

6.7 Payment Support Contact

• Institute: Prepper Gurukul
• Address: Ground Floor, B-Wing, Khullar Apartment, Near IDFC Bank, Byramji Town, Nagpur 440013, Maharashtra, India
• Email: contact@gurukul.education
• Phone / WhatsApp: +91 91456 70606