Refund & Cancellation Policy

This Refund and Cancellation Policy is issued by Mittix AlgoTech LLP, LLPIN ACY-0574, operating under the OTOECOM brand. It covers purchases made directly through otoecom.com, an OTOECOM checkout link,Sub domain, invoice, payment link, written proposal or another channel expressly operated by Mittix AlgoTech LLP.

It applies to online courses, recorded programs, live training, mentorship, consulting, digital downloads, templates, ebooks, workshops, community access, certifications, ecommerce account management, cataloging, listing optimization, advertising management, EBC or brand content, store design, seller training, marketplace support and related professional services.

A purchase made through an independent app store, marketplace, reseller, financing partner or other third party may also be governed by that provider's refund process. OTOECOM cannot unilaterally change a third party's settlement rules, but will provide reasonable transaction information where a valid review requires it.

In this policy, "customer" includes an individual learner, business client or authorized buyer; "access" includes login activation, invitation, download, stream, live session or delivery by email; and "business day" means Monday to Friday excluding public holidays observed at our operational office, unless a purchase document states otherwise.

An online course identified as refund-eligible on its sales or checkout page may be considered for refund only when all of the following conditions are satisfied:

1. The complete request reaches OTOECOM within seven calendar days of the original successful purchase date.
2. Less than 3% of the chapter has been consumed. We may review lesson completion, recording watch activity, live-class attendance, login events and comparable learning records. If you access or watch any bonus videos included with the course, your purchase will become non-refundable, and you will no longer be eligible for a refund.
3. No workbook, template, private tool, ebook, presentation, supplier list, proprietary checklist, downloadable video or other protected course resource has been downloaded, exported or copied.
4. The product was not clearly disclosed before payment as a lifetime-access plan, final-sale product, non-refundable digital product, customized program, promotional final sale or another excluded category.
5. The request contains the registered learner name, email address, order or invoice number, payment reference and a genuine reason allowing us to investigate the concern.
6. The customer has not breached access, anti-piracy, account-sharing, conduct or intellectual-property terms.

Meeting these conditions makes the request eligible for review; it does not create an automatic refund where facts cannot be verified. OTOECOM will assess the request reasonably and consistently using payment records, product disclosures and platform activity.

Subject to mandatory legal rights, the following are normally final and non-refundable once the stated access, delivery or performance has occurred:

• Lifetime-access course plans after access has been activated.
• Courses clearly sold as final sale under a special discount, festival offer, launch price, coupon or promotional campaign.
• A course where five percent or more has been consumed, or where a protected resource has been downloaded or accessed.
• Digital downloads, templates, ebooks, SOPs, prompts, calculators, checklists, research files, proprietary tools or licensed resources after delivery or download.
• Community membership periods already used, issued certificates, assessment fees and completed verification work.
• Recorded workshops or event replays after the viewing link has been used.
• Custom training material, private audits, research, reports or other work created for a specific customer after production begins.

A change of mind, lack of time, change in personal circumstances, failure to attend, device incompatibility that was disclosed in the technical requirements, or dissatisfaction arising only because a hoped-for sales result was not achieved does not by itself establish a refund right.

If a delivered file is corrupted or access does not work, the customer must first allow OTOECOM a reasonable opportunity to repair, replace or redeliver it. If a verified material problem cannot be corrected, an appropriate refund or other remedy will be considered.

Trainer time, session capacity and preparation are reserved in advance. A live session already attended, substantially delivered or missed by the customer is non-refundable. A late arrival or early departure does not reduce the booked session fee.

For an individual session, a reschedule request should ordinarily be submitted at least 24 hours before the scheduled start time. For a cohort, workshop, corporate program or multi-session engagement, the notice period and permitted reschedules stated in the proposal, invoice or enrollment page apply. A reschedule remains subject to trainer and batch availability.

If a customer misses a session without the required notice, OTOECOM may treat the session as consumed. Where recordings are part of the purchased package, providing the recording may complete the relevant delivery obligation even if the customer did not attend live, unless the product page promised live attendance as an essential feature.

For prepaid future sessions cancelled with sufficient notice, we may offer a replacement date, transfer to another eligible batch, limited service credit or a refund of the undelivered portion after deducting completed preparation and non-recoverable commitments that were clearly disclosed and reasonably incurred.

If OTOECOM cancels a session, the customer will be offered a reasonable replacement date. If no reasonable replacement is available or accepted for a materially time-sensitive program, the undelivered session fee will be refunded.

Marketplace account management, cataloging, listing optimization, advertising management, EBC, brand-store work, audits, strategy, research, reporting and consulting involve time-based and milestone-based professional work. Fees allocated to work already performed are non-refundable.

Work is considered commenced when OTOECOM performs onboarding, account review, research, planning, setup, creative production, listing preparation, campaign work, meetings, reporting, marketplace case work or another task within the approved scope. A setup, onboarding or audit fee may be non-refundable once that activity begins.

If a client asks to end a prepaid engagement before all work is delivered, OTOECOM will reconcile the account using the signed proposal, notice period, completed milestones, time spent, approved deliverables, committed personnel, third-party costs and other non-cancellable expenses. Any confirmed refundable balance relates only to undelivered scope and is not calculated as though no work had begun.

Where the engagement is monthly, cancellation stops future renewal after the applicable notice period; it does not retrospectively cancel the current billing period. Work completed or made available during that period remains payable.

The client must provide timely access, content, approvals, inventory information, brand assets and instructions. Delay, non-cooperation, unavailable marketplace credentials or repeated approval failure by the client does not convert completed or reserved work into a refundable item. OTOECOM will, however, identify any undelivered scope and apply the written agreement fairly.

A recurring plan continues for the billing cycle and renewal mechanism disclosed at purchase or agreed in writing. Customers are responsible for reviewing the renewal date and submitting cancellation through the stated channel before the next charge.

Cancellation is prospective. It prevents a future eligible renewal but ordinarily does not refund a billing period that has already begun and during which access, capacity or services were available. If a renewal was charged after a valid and timely cancellation was confirmed, OTOECOM will investigate and refund the incorrect charge when verified.

Where a minimum commitment period was agreed for dedicated staffing, software, advertising operations or managed services, early termination is governed by the signed order form. Any early-exit amount must reflect the disclosed commitment and cannot override a mandatory consumer right.

Stopping a bank mandate without separately notifying OTOECOM may prevent payment but does not itself cancel outstanding contractual charges for work already supplied. OTOECOM will not continue charging after a valid cancellation becomes effective.

Refunds are based on the net amount actually paid, not the undiscounted reference price. Cash value is not assigned to a free bonus, complimentary consultation, reward or promotional item unless the offer expressly states otherwise.

Where a bundled package is partially eligible for cancellation, any refund is calculated after accounting for consumed components at their disclosed standalone or fairly allocated value, the discount structure, completed work and non-recoverable costs. A refund cannot exceed the net amount paid for the relevant bundle.

A bundle becomes non-refundable under the standard course rule if any protected downloadable component has been accessed or if combined consumption reaches the applicable threshold, unless a statutory or verified delivery exception applies.

Store credit, where offered and accepted, is not cash and cannot normally be withdrawn to a bank account. Its validity, permitted use and transferability are governed by the written credit confirmation. OTOECOM will not replace a legally required monetary refund with credit without the customer's agreement.

A coupon or promotional price does not remove rights relating to duplicate payment, non-delivery, material misdescription, defective goods or deficient services.

The seven-day course usage conditions do not apply to a verified duplicate charge. The following cases are handled as payment or delivery corrections:

• Failed transaction: the customer's account appears debited but OTOECOM and its payment provider have not received a successful settlement. The bank or payment provider may automatically reverse the amount. If settlement reaches OTOECOM and the purchase is not delivered, we will activate the purchase or initiate a refund.
• Duplicate transaction: two or more successful charges are recorded for the same customer and same purchase. The verified duplicate amount will be returned.
• Incorrect product: OTOECOM delivers a different course, file or service from the confirmed order. We will correct delivery, and if correction is not reasonable or possible, refund the affected amount.
• Pricing or billing error: an amount charged differs from the final amount displayed and accepted at checkout, excluding a later bank conversion or card fee. We will investigate and correct a verified OTOECOM billing error.
• Access failure: successful payment is confirmed but access is not provided. We will first activate or restore access; if we cannot do so within a reasonable time, the undelivered purchase will be refunded.

A bank statement showing a temporary authorization, hold or pending transaction is not always proof of a completed charge. We may request the bank reference, UTR, gateway transaction ID or written confirmation from the payment provider.

OTOECOM may occasionally postpone or cancel a batch, session, event or service because of trainer unavailability, insufficient operational capacity, technical failure, safety concern, legal requirement or another genuine operational reason. We will give reasonable notice through the registered email, phone or WhatsApp details when circumstances allow.

The customer will ordinarily be offered one or more of the following:

• transfer to the next available batch or session at no additional program fee;
• an equivalent trainer, service or delivery format where this does not materially reduce the purchased benefit;
• service credit accepted by the customer; or
• a full refund for the cancelled and undelivered purchase, or a proportionate refund for the cancelled and undelivered part.

If OTOECOM permanently cancels the entire undelivered program and cannot provide an accepted equivalent, a full refund will be initiated regardless of the normal course request window. If part of a program was already delivered, the refund may be proportionate to the undelivered part unless the delivered part has no reasonable standalone value.

Incidental customer expenses such as devices, internet, travel, accommodation, software, marketplace charges or lost business opportunity are not reimbursed unless OTOECOM expressly agreed to them in writing or applicable law requires otherwise.

An approved refund is normally returned to the original payment method and in the original transaction currency. This protects customers and supports tax, fraud and payment reconciliation. We do not ordinarily redirect a refund to another person, unrelated bank account, different card or cash channel.

After OTOECOM initiates a refund, indicative banking timelines are:

• UPI or wallet: approximately 3 to 7 business days.
• Indian debit or credit card: approximately 5 to 10 business days.
• Net banking: approximately 5 to 10 business days.
• EMI or pay-later plan: approximately 10 to 20 business days, and the adjustment may appear as cancelled or reduced future instalments depending on the provider.
• International card: approximately 10 to 20 business days, subject to intermediary banks and currency settlement.

These are estimates after initiation, not guaranteed credit dates. Bank holidays, payment-provider review, closed cards, chargeback status, compliance checks and receiving-bank processes may cause delay. Accepted refunds will be initiated within a reasonable period as required by applicable law.

If the original method is permanently unavailable, OTOECOM and the payment provider will determine a lawful and verifiable alternative. Additional identity or bank-ownership proof may be required. We will never request an OTP, UPI PIN, CVV or internet-banking password to issue a refund.

Where tax law requires it, OTOECOM may issue or adjust an invoice, credit note or other tax document for an approved refund. The tax component refunded will follow the amount lawfully reversible for the transaction and the information on the original invoice.

Payment-gateway, bank, currency-conversion, financing and international transaction charges imposed directly by a third party may not be received by OTOECOM and may not be refundable by us. OTOECOM will not deduct an undisclosed cancellation charge. Any deduction must relate to a disclosed term, work already supplied, an actual non-recoverable commitment or an amount permitted by law.

Marketplace advertising spend, marketplace fees, logistics charges, software subscriptions, creative licensing, paid data, domain or hosting costs, taxes and other third-party expenses committed for an approved service are not part of the OTOECOM professional fee unless the written proposal expressly includes them. A cancellation does not require OTOECOM to reimburse a third-party cost that was validly incurred for the client and cannot be recovered.

If a transaction was paid in a foreign currency, the receiving bank may apply a different exchange rate when the refund is credited. OTOECOM is responsible for initiating the approved transaction amount, not for an exchange-rate difference or receiving-bank charge outside its control.

Courses, mentorship and professional ecommerce services provide education, strategy, creative, operational or advertising support. Unless a signed agreement expressly states a measurable service-level commitment, OTOECOM does not guarantee a particular sales amount, profit, ranking, Buy Box share, conversion rate, ACOS, ROAS, account approval, policy appeal outcome, marketplace role approval or business result.

Amazon, Flipkart, Meesho and other platforms independently control algorithms, search placement, account health, policy enforcement, approvals, suspensions, pricing rules, catalog decisions and advertising auctions. Market demand, competition, inventory, product quality, pricing, reviews, customer service and client decisions also affect outcomes.

A platform rejection, suspension, listing removal, campaign performance change or sales decline does not by itself prove that OTOECOM failed to deliver its contracted work and does not automatically create a refund. We will review whether the agreed task was performed with reasonable care and whether any specific deficiency can be corrected.

Nothing in this clause permits OTOECOM to charge for work not delivered, misrepresent a service, conceal a known deficiency or avoid a remedy required by law.

If a customer believes a payment was unauthorized, the customer should promptly notify the issuing bank or payment provider and also email OTOECOM with the transaction date, amount and safe identifying details. Do not send a full card number, CVV, OTP, UPI PIN or banking password.

OTOECOM may suspend access connected with a disputed payment while the bank or gateway investigates. This prevents further use of content or services for which payment is under dispute. Suspension is not a finding of wrongdoing and will be reviewed when the provider issues a decision.

We encourage customers to contact us before initiating a chargeback because duplicate, access and billing errors can often be resolved more quickly. However, nothing in this policy prevents a customer from using a lawful bank, payment-provider or statutory dispute right.

If a chargeback is filed, OTOECOM may provide the payment provider with relevant evidence such as order confirmation, access logs, delivery records, communications, accepted terms and service reports. A chargeback does not entitle a customer to retain refunded access or delivered licensed materials. Proven fraudulent use, piracy or deliberate duplicate recovery may lead to access termination and lawful recovery action.

Email hello@otoecom.com using the subject "Refund Request - [Order ID]". A WhatsApp message to +91 93551 17757 may be used for follow-up, but the email with complete information is the primary written request.

Include:

1. full name and registered email address;
2. phone number associated with the order;
3. course, digital product or service purchased;
4. order number, invoice number and purchase date;
5. payment method, transaction ID, UTR or gateway reference;
6. the requested resolution and a clear explanation of the issue;
7. screenshots, error messages, communications or deliverable references supporting the request; and
8. for a business purchase, proof that the requester is authorized to act for the client.

The request date is the date a reasonably complete request reaches the designated email channel. An incomplete message submitted near the end of a contractual window may require prompt additional information. OTOECOM will not reject a genuine timely request merely because a minor detail was missing where the transaction can otherwise be identified.

After a refund is initiated, access to the refunded course, product, community or service will be revoked. The customer must stop using and delete refunded downloadable materials, subject to records the customer is legally required to keep.

OTOECOM may verify the transaction with the payment provider and review account activity, course progress, download logs, live attendance, emails, WhatsApp communications, support history, proposals, approved scope, work logs, deliverables, marketplace activity and third-party invoices relevant to the request.

We may ask for proportionate identity or authorization evidence before changing payment instructions or disclosing transaction information. Verification is designed to protect the purchaser and will not require passwords, OTPs or unnecessary sensitive data.

Routine refund requests are normally reviewed within three business days after all required information is available. Complex service, unauthorized-payment, tax or multi-party cases may take longer. A consumer grievance will be acknowledged within 48 hours and normally resolved within one month from receipt, subject to applicable law.

The response may approve a full refund, approve a partial refund, offer repair or redelivery, offer a reasonable reschedule or credit, request additional evidence, or explain why the request is outside the applicable terms. A denial will identify the principal reason and the available internal escalation route.

Refund decisions are made on verifiable facts and the applicable purchase terms. References in this policy to review or discretion do not permit an arbitrary decision, discrimination between similarly situated customers or denial of a mandatory legal remedy.

If a customer disagrees with a refund response, reply to the decision email using the subject "Refund Review - [Order ID]" and explain the specific fact or document that should be reconsidered. A senior team member not responsible for the initial response will review the available material where practicable.

If the review remains unresolved, contact the OTOECOM Consumer Grievance Desk at Support@otoecom.com. The grievance should include the original request, order reference, response received and the remedy sought. OTOECOM aims to acknowledge a consumer grievance within 48 hours and resolve it within one month.

The parties may voluntarily attempt good-faith negotiation or mediation where appropriate. Mediation is not mandatory merely because it is mentioned here, and this policy does not remove a person's right to approach a competent consumer commission, court, regulator, payment provider or other lawful forum.

This policy is governed by the laws of India. Jurisdiction and forum are determined by applicable law and any valid written agreement; no clause is intended to deprive a consumer of a forum or remedy that cannot lawfully be excluded.

Events outside reasonable control may include severe internet or cloud outages, natural disaster, epidemic, civil disturbance, government restriction, widespread payment failure, marketplace shutdown, legal prohibition, power emergency or another event that could not reasonably be prevented.

Where such an event temporarily delays delivery, OTOECOM may extend access, reschedule a session, provide an alternative delivery method or pause the relevant service. A temporary reasonable delay does not automatically cancel completed work.

If an external event makes the essential undelivered part of a purchase permanently impossible, OTOECOM will assess a proportionate refund, credit or alternative consistent with the written agreement and applicable law. Third-party advertising spend or other irrevocably committed costs remain governed by the relevant provider's terms.

Force majeure is not used to excuse a payment already received for a service that OTOECOM has definitively decided it will not deliver and for which no accepted equivalent is provided.

OTOECOM may update this policy to reflect new products, operational changes, payment processes, legal requirements or clearer drafting. The latest version will display its last-updated date and will be publicly accessible on this page.

Unless a change is required by law or is more favorable to the customer, the refund terms disclosed when the purchase was made normally govern that purchase. A later version does not retrospectively remove an accrued right or convert a previously refundable order into a final sale.

Material changes affecting future purchases may also be highlighted on the website, checkout page or customer communication. Customers should retain the invoice, product page, proposal and any special written refund terms associated with the order.

Continued website use indicates awareness of the current website policy, but it does not by itself rewrite a completed purchase contract without lawful basis and proper notice.

If refund or cancellation terms differ, they are interpreted in the following order: mandatory applicable law; a valid signed agreement or order form; clear purchase-specific terms shown on the product or checkout page; and this general policy.

A sales message or oral statement changes a written refund term only when an authorized OTOECOM representative confirms the change in writing. Nothing in this clause protects a false or misleading representation.

If a competent authority finds a clause invalid or unenforceable, that clause will be interpreted or limited to the minimum extent necessary, and the remaining clauses continue to apply where legally possible.

A delay by OTOECOM in enforcing a valid term is not a permanent waiver. Likewise, a goodwill refund in one case does not automatically change the written rules for every other purchase, though similarly situated requests will be treated fairly.

Legal entity: Mittix AlgoTech LLP, operating as OTOECOM
LLPIN: ACY-0574
Refund email: Support@otoecom.com
Legal and grievance email: legal@otoecom.com
Phone / WhatsApp: +91 93551 17757
Operational office: C-270, 2nd Floor, Office No. 5, C Block, Sector 63, Noida, Uttar Pradesh 201309, India

Working hours: Monday to Saturday, 10:00 AM to 7:00 PM IST, excluding notified holidays. Messages may be submitted at any time; operational responses are handled during working hours.

Consumer grievance contact: Consumer Grievance Officer, Mittix AlgoTech LLP. A grievance is acknowledged within 48 hours and is normally resolved within one month from the date of receipt, subject to verification and applicable law.

For security, never send a password, OTP, UPI PIN, CVV, complete card number or marketplace master credential in a refund request.