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cortexlearnupsc

Cancellation & Refund Policy

Last updated: 31 July 2026

cortexlearnupsc, operated by Cortex Desk, does not sell learning content: every course, test series, deck, map and article is free to any registered account. What we sell is AI capacity — a larger allowance for doubt clearance, AI writing help and AI answer-sheet marking — as a Pro subscription or as a one-time credit top-up.

That allowance is credited to your account instantly and is spendable the moment you pay, so the following refund and cancellation terms apply to all purchases.

1. Refund window

As this is a digital product delivered instantly, refunds are available only within a short window after a purchase you make yourself: you may request a full refund within 2 hours of paying, on any plan.

After those 2hours the purchase is non-refundable, because the AI capacity it bought was delivered to your account at once and has been available to spend since. Automatic renewal charges are different and have their own, longer window — see section 2.

Refunds are all or nothing. We do not issue partial refunds: an approved refund returns the full amount you paid, ends the paid AI allowance immediately and removes the credits that payment provided.

A refund never costs you any learning. Courses, test series, flashcards, practice, the Atlas, the syllabus tracker and current affairs are free with a registered account whether or not you have ever paid, so a refund, a cancellation and a chargeback all leave them exactly as they were. Only the AI allowance is affected.

AI credit top-ups. Credit packs are a consumable add-on delivered to your account instantly, and are therefore non-refundableonce purchased — except in the duplicate-charge or technical-error cases in section 6. Credits are a reserve rather than the first thing you spend: they are used only after the AI allowance included with your plan has run out. Unused credits do not expire. AI answer-sheet marking never spends them at all — it runs on a separate monthly quota, counted in answers marked, described on the Pricing page.

What happens to credits when a payment is refunded. If we refund a purchase — or a card issuer reverses one through a chargeback — the credits that purchase granted are removed from your account. If you have already spent some of them, your balance can go below zero, and the shortfall is cleared by your next top-up before any new credits become spendable. Your free AI allowance is never affected by this; only purchased credits are.

2. Automatic renewal charges

Pro subscriptions renew automatically through a UPI or card AutoPay mandate, so a renewal is charged without you being present. Razorpay notifies you before each renewal, as required.

Because that charge is unattended, renewals get their own, longer window: if you did not intend to renew, tell us within 7 days of the renewal charge and we will refund it in full and cancel the mandate, provided you have not made substantial use of the new period.

A refunded renewal drops you back to the free AI allowance immediately — it does not run to the end of the period you were charged for — and the bonus AI credits that renewal granted are removed from your account. Your courses, tests and study history are untouched.

You can stop future renewals at any time from Dashboard → Billing → Cancel. Cancelling is instant, is never a refund request, and always leaves the period you have already paid for intact.

3. How to request a refund

To request a refund within the eligible window, email us at support@cortexdesk.in from the email address registered on your account, with:

4. How refunds are processed

Approved refunds are processed to your original payment method through Razorpay. Once approved, the refund is typically credited within 5–7 business days, though the exact timing depends on your bank or payment provider.

5. Cancellation

You may cancel your subscription at any time to stop it from renewing. Cancellation prevents future charges; your paid AI allowance continues until the end of the period you have already paid for, after which you return to the free allowance and keep using the rest of the platform as before. Cancelling after the refund window does not entitle you to a refund of the current period.

6. Exceptions (always refundable)

Regardless of the windows above, we will issue a full refund if:

Please report such issues promptly so we can investigate and make it right.

7. Contact

For any refund or cancellation request, contact us at support@cortexdesk.in or call 04652-227811.