NWS GLOBAL · LEGAL

Refund Policy

NWS GLOBAL facilitates credit card payments for education-related expenses. This policy explains the terms and conditions governing refunds for transactions processed through the NWS GLOBAL platform.

Last updated23rd June 2026 Version1.1
01

Refund Eligibility

NWS GLOBAL Service Fees

NWS GLOBAL charges a service fee for facilitating the payment transaction. Service fees are non-refundable under all circumstances as the service has been provided at the time of transaction completion.

Educational Institution Refunds

NWS GLOBAL acts solely as a payment facilitator. Any refunds related to educational fees (tuition, hostel charges, coaching fees, etc.) are entirely the responsibility of the educational institution or service provider, not NWS GLOBAL. Refund eligibility depends on the institution's refund policy.

Failed or Duplicate Transactions

If a transaction fails or is duplicated due to technical error on NWS GLOBAL's platform, you are eligible for a full refund of the amount charged (excluding where charges were already processed by your bank).

Unauthorized Transactions

If you report an unauthorized transaction within 30 days of the charge date, we will investigate and process a full refund if confirmed as fraudulent.

02

Refund Request Process

How to Request a Refund

Log into your NWS GLOBAL account or contact us at info@nwsglobal.co.in, then provide:

  • Transaction details, including Transaction ID, amount, date and recipient institution.
  • The reason for your refund request.
  • Supporting documentation, if required.

Timeline for Processing

2 business daysAcknowledgment of your refund request
5–7 business daysInvestigation after request submission
7–10 business daysApproved refund sent to the original payment method

Bank processing times may add 3–5 additional business days depending on your bank's policies.

Response timeWithin 48 business hours
03

Non-Refundable Scenarios

The following situations are non-refundable:

  • Services Already RenderedPayments for educational services already delivered or completed, including classes attended, exams conducted and degrees awarded.
  • Time-Barred RefundsRefund requests submitted more than 90 days after the transaction date, unless involving disputes.
  • Voluntary Enrollment CancellationsWithdrawals or cancellations initiated by the user after fee payment and course commencement.
  • Chargeback DisputesOnce you initiate a chargeback with your bank, NWS GLOBAL may block your account pending investigation. Chargebacks are more expensive and time-consuming than direct refund requests.
  • Third-Party Service FeesPayments to third-party vendors, freelancers or independent tutors. These are direct transfers and outside NWS GLOBAL's refund authority.
04

Special Refund Circumstances

Institutional Closures

If an educational institution closes before providing the service, you may be eligible for a full refund. You must provide official documentation of the closure. NWS GLOBAL will process the refund request within 15 business days.

Course Cancellations

If the educational institution cancels a course or program before service delivery, you are eligible for a full refund. The institution must formally notify NWS GLOBAL of the cancellation.

Incorrect Amount Charged

If you are overcharged due to NWS GLOBAL's error, such as a duplicate charge or incorrect amount, you will receive a full refund of the excess amount within 5 business days of verification.

Technical Errors

If a transaction fails but the payment is debited from your account, NWS GLOBAL will investigate and issue a full refund. This typically occurs within 10 business days.

05

Chargeback & Dispute Resolution

We strongly advise against filing chargebacks. Requesting a refund directly through NWS GLOBAL is faster and more efficient.

If You Initiate a Chargeback

If you initiate a chargeback with your bank without first requesting a refund from NWS GLOBAL:

  • Your NWS GLOBAL account will be flagged for investigation.
  • You may be temporarily unable to process new payments.
  • Any approved refund may be reversed.
  • You may incur additional fees.

Chargeback Reversal

If a chargeback is reversed in favor of the merchant, NWS GLOBAL will coordinate with the educational institution. You must repay the amount to resolve the dispute.

06–07

Processing Methods & Liability

Refund Processing Methods

Primary method: Your original payment card or account.

Alternative: Bank transfer to your registered account, if a card refund is unavailable.

Processing times vary by payment method and bank, typically 5–10 business days after NWS GLOBAL initiates the refund.

NWS GLOBAL's Limited Scope

NWS GLOBAL's refund authority is limited to NWS GLOBAL service fees and platform charges, failed or duplicate transactions on NWS GLOBAL's platform, and unauthorized transactions confirmed as fraud.

Educational Institution Responsibility

NWS GLOBAL does not refund educational fees or charges set by institutions. Contact the educational institution directly for course refunds, hostel deposit refunds, cancellation adjustments and fee disputes.

NWS GLOBAL is not liable for the quality or delivery of educational services provided by partner institutions.

08–11

Other Refund Terms

Partial Refunds

Partial refunds may be considered when a portion of a transaction failed, an institution issues a partial refund that we facilitate, or excess service charges are identified. Requests must include itemized justification.

Tax Implications

NWS GLOBAL does not provide tax or financial advice. Refunded amounts may have tax implications. You are responsible for reporting refunds as required by Indian tax laws, including the Income Tax Act, 1961.

Account Suspension & Refund Blocks

NWS GLOBAL may suspend accounts with suspicious refund activity, block refunds during fraud investigations, withhold refunds when an account violates our Terms of Service, or deny requests from accounts suspended for abuse.

Amendments to This Policy

NWS GLOBAL may modify this refund policy at any time. Changes become effective 30 days after notification. Continued use of NWS GLOBAL after notification constitutes acceptance of the updated policy.

12–13

Escalation & Grievance Redressal

Unresolved Refund Disputes

  1. Request escalation to our Grievance Officer at info@nwsglobal.co.in.
  2. Provide detailed documentation of your claim.
  3. Expect resolution within 30 days of escalation.

If your refund request is denied or unresolved after 60 days, and you remain unsatisfied, you may escalate a payment-related dispute to the RBI Ombudsman or contact the NCDRC (National Consumer Disputes Redressal Commission) for consumer protection claims.

Force Majeure

NWS GLOBAL is not responsible for refund delays caused by natural disasters or pandemics, government actions or policies, banking system failures, strikes or labor disputes, or other circumstances beyond our reasonable control.

14

Contact & Support

Address
S3 SECOND FLOOR APNA BAZAR, MOTI NAGAR, JHOTWARA, JAIPUR
Support hours
Monday – Friday, 9:00 AM – 6:00 PM IST

Disclaimer: This refund policy applies to transactions processed through the NWS GLOBAL platform. For disputes involving educational institutions, contact them directly. NWS GLOBAL is a payment facilitator and holds no control over educational services or their refunds.