Refund and Cancellation Policy

Last updated: [date you publish]

This page explains how cancelling and refunds work for Ecom Incubator, the 12-month 1-on-1 ecommerce mentorship with Nick Arora and his team. Ecom Incubator is offered by [Legal business name], trading as Ecom Tornado ("we", "us"). Please read it together with our Terms.

The short version

• Applying is free. There's no payment on the application form, and applying doesn't commit you to anything.
• Before you pay anything, we send you your enrolment terms in writing: the fee, the GST, the total, when each payment is due and the refund terms. You decide after reading them.
• Changed your mind soon after paying? Cancel within the change-your-mind window and get back the fee and the GST you paid[If you choose to deduct payment gateway charges below, add: ", minus payment gateway charges of up to [X]%". Otherwise delete this note.]. Details below.
• After that window: [One line that matches the rule you pick below. A: "you get back the fee for the full months left, plus GST." / B: "you get back [X]% of the fee, plus GST, if you cancel before [set point]. After that, there's no refund." / C: "the fee isn't refundable."]
• If we cancel, or don't deliver what we promised in writing, we refund the part you haven't received, plus GST.
• To cancel, send one email to nick@ecomtornado.com with your invoice number. You don't have to join a call or fill in a form.
• Nothing on this page limits your rights under the Consumer Protection Act, 2019.

What you pay

Ecom Incubator has two tracks. Each runs for 12 months.

• Indian Ecom track: Rs 3,00,000 + 18% GST (Rs 54,000). Total: Rs 3,54,000.
• US Ecom track: Rs 4,00,000 + 18% GST (Rs 72,000). Total: Rs 4,72,000.

These totals are for paying in full. If you pay in instalments, the total is shown under "Instalments" below and in your written terms.

You can pay by [payment methods you accept, e.g. "bank transfer (NEFT, RTGS or IMPS) or UPI" or "UPI and cards through [payment provider name]"]. [Choose: A "We don't add any extra charge for any payment method." (recommended) / B name the method and the extra charge, e.g. "Card payments carry a [X]% charge, shown in your written terms before you pay."]

Ecom Incubator is education and mentorship. We don't promise or guarantee any income, sales or results. So refunds don't depend on how your business does. They follow the rules on this page.

Costs that aren't part of our fee

Ad spend, inventory and tools are not included in Ecom Incubator. They come from your own budget. You pay the ad platforms, suppliers and software companies directly. That money doesn't come to us, so we can't refund it. Any refund of those costs is between you and that provider, under their terms.

[Choose: A "Apart from the fee and GST above, we don't charge you anything else for Ecom Incubator." / B list every other charge you may ask a client to pay you, with the amount]

[Keep only if you or your team earn a commission or referral fee from tools or suppliers you recommend: "We may earn a referral fee if you buy some tools or services we recommend. We tell you when that's the case, and you never have to use them." Otherwise delete.]

Before you pay

We only take payment after you've applied, spoken with Nick or the team, and received your enrolment terms in writing. Those terms set out:

• your track, the fee, the GST and the total you'll pay
• whether you pay in full or in instalments, and when each payment is due
• your start date
• the refund and cancellation terms, matching this page

Please read them before you pay. If anything isn't clear, ask us at nick@ecomtornado.com. There's no obligation to join.

If your written terms and this page ever say different things, [Choose: A "whichever is better for you applies" (recommended) / B "your written enrolment terms apply". Note: with B, this public page could promise more than your terms give, which risks a misleading-advertisement complaint.].

Cancelling in the change-your-mind window

You can change your mind after paying. This is sometimes called a cooling-off period. If you cancel within [X days of your payment date, e.g. 7 or 14] [Choose: A "and before your first 1-on-1 call" / B "even if you've already had your first 1-on-1 call"], we refund:

• the fee you paid, and
• the GST you paid on it.

[Choose: A "We don't deduct anything." (recommended) / B "We deduct payment gateway charges of up to [X]% of the amount paid." If B: put it in your written terms too, update the short version above, and keep the matching line under "If we cancel or don't deliver" (the E-Commerce Rules 2020 say you must bear similar charges when you cancel).]

You don't have to give a reason. If you pay in instalments, the window starts on the date of your first payment. [If you chose A above, keep: "We won't book your first 1-on-1 call inside this window unless you ask us to." Otherwise delete.]

Cancelling after the window

You can cancel at any time, with one email. Your cancellation date is the day we receive it. What you get back depends on the rule below.

[Choose ONE of the three rules below and delete the other two, with their headings: A "Refund for the months you haven't started" (pro-rata) / B "Partial refund up to a set point" / C "No refund after the window". A is the safest. B, and C even more, may be challenged as an unfair contract term under the Consumer Protection Act, 2019, because you would keep fees for months you never deliver.]

Refund for the months you haven't started

We refund the fee for every full month left after the month you cancel in, plus the GST on it. Months are counted from your start date. If you cancel before your start date, all 12 months are left.

The sum is: fee ÷ 12 × full months left, plus 18% GST on that amount.

Example: you're on the Indian Ecom track, paid Rs 3,00,000 + GST in full, and cancel during month 4. Months 5 to 12 are left, which is 8 months. Your refund is Rs 3,00,000 ÷ 12 × 8 = Rs 2,00,000, plus Rs 36,000 GST, so Rs 2,36,000 in total.

If you've paid less than the full fee (for example, in instalments), we take the fee you've paid (not counting GST) and subtract the fee for the months used, counting the month you cancel in. We refund what's left, plus the GST on it. If that comes to zero or less, there's no refund.

This is based on time passed, not on how many calls you used. [Optional: "We deduct a one-time onboarding charge of Rs [X] + GST." Keep only if it's also in your written terms and you keep the matching line under "If we cancel or don't deliver". Otherwise delete.]

Partial refund up to a set point

If you cancel before [set point, e.g. "the end of month 2" or "your 4th 1-on-1 call"], we refund [X]% of the fee you've paid, plus the GST on that part. After that point, there's no refund.

No refund after the window

Once the change-your-mind window has ended, the fee you've paid is not refundable. You can still cancel at any time. This doesn't change what happens if we cancel or don't deliver (see below).

Pausing instead of cancelling

[Choose: A "You can pause once, for up to [X] months, by emailing us. Your 12 months are extended by the time you paused. Nothing extra is charged." / B "Pauses aren't available." / C delete this heading and section]

Instalments

[Choose: A "You can pay in [number] instalments, on the dates in your written terms. Indian Ecom: [number] × Rs [amount] + 18% GST, so Rs [total] in total including GST. US Ecom: [number] × Rs [amount] + 18% GST, so Rs [total] in total including GST." If the instalment total is higher than paying in full, add: "That's Rs [difference] more than paying in full." / B "We don't offer instalments. The fee is paid in full before you start." If B, delete the rest of this section.]

If you pay in instalments:

• The refund rules above apply to the amount you've actually paid.
• If you cancel, instalments due after your cancellation date [Choose: A "are cancelled, and you don't owe them" / B "are still due up to [the end of the current month / the set point above], and anything after that is cancelled"].
• If a payment is late, [Choose: A "we remind you in writing. If it's still unpaid after [X] days, we pause your calls until it's paid. There's no late fee." / B "a late fee of Rs [X] applies, as set out in your written terms." Keep any fee small: an excessive penalty can be an unfair contract term.]
• [Keep this line only if you collect instalments by auto-debit (UPI AutoPay, card mandate or e-NACH). Otherwise delete it.] We stop future auto-debits within [X working days, e.g. 3] of your cancellation. You can also cancel the mandate yourself, at any time, in your UPI app or with your bank.
• [Keep this line only if clients can pay through card EMI or a loan from a bank or finance company. Otherwise delete it.] [Choose: A "We refund the amount we received to you." / B "We send the refund to the bank or finance company, which reduces or closes your loan, and we tell you when we've done it."] Your EMI or loan agreement is between you and the bank or finance company. Their interest and charges follow their terms.

If we cancel or don't deliver

• If we cancel your enrolment before your start date, for any reason other than you seriously breaking our Terms, we refund everything you paid, including GST.
• If we stop the program, or don't deliver what your written terms promise, we refund the part you haven't received, plus the GST on it. We work it out as [Choose: A "fee ÷ 12 × months not delivered" / B "fee ÷ number of 1-on-1 calls in your written terms × calls not delivered"]. This applies at any time, whichever refund rule above applies to you.
• If something we deliver is clearly short of what our program page or your written terms describe, tell us. We'll put it right, or refund the part affected, plus GST.
• [Keep only if you deduct gateway charges or an onboarding charge from client refunds: "If we cancel, we also pay you an amount equal to that charge, on top of your refund." Otherwise delete.]
• If we end your enrolment because you seriously broke our Terms, we tell you why in writing and [Choose: A "refund the fee for the full months left (fee ÷ 12 × full months left), plus GST" (recommended) / B "treat it as if you had cancelled on that date, under the rules above". Note: B together with the no-refund rule C could be seen as an excessive penalty.].
• Ecom Incubator is only for people aged 18 or over. If we learn that a client was under 18 when they enrolled, we cancel the enrolment and refund everything they paid, including GST.

How to cancel or ask for a refund

Email nick@ecomtornado.com with:

• your full name
• your invoice number
• your track (Indian Ecom or US Ecom)
• whether you're cancelling, or asking about a refund

If you can, send it from the email address you enrolled with. It helps us confirm it's you. If you can't, tell us and we'll find another way to check.

[Optional: "You can also send it on WhatsApp to [number]." Delete if you only accept email.]

That one message is enough. We won't make you join a call, fill in a long form or talk to a "retention" team before we accept it. If you'd like to talk it through first, just say so.

We confirm we've received it within [X working days, e.g. 2]. Within [X working days of receiving it, e.g. 5], we tell you in writing how much you'll get back and how we worked it out. If you think the amount is wrong, reply and we'll look again, or contact our Grievance Officer (below).

We use the details you send only to handle your request and to keep the records tax law requires. Our Privacy Policy explains more.

When you get your money

• We send your refund within [X working days, e.g. 7 or 10] of telling you the amount.
• It goes back the way you paid. If that's not possible, for example because the account or card is closed, we send it to a bank account in your name.
• We send you the payment reference when it's done. Your bank may take a few more working days to show it.
• Refunds are paid as money, not as vouchers or credit.

GST on refunds

• Our fee is charged with 18% GST. When we refund all or part of the fee, we also refund the GST on that part.
• We issue a GST credit note against your original tax invoice and email it to you within [X working days, e.g. 15. Check with your CA that you can issue credit notes for refunds late in the 12 months.] of the refund.
• If you're GST-registered and claimed input tax credit on our invoice, the credit note reduces that credit. Your accountant can help with this.

No hidden conditions

• Everything that affects your refund is on this page or in the written terms you get before paying. We don't add conditions after you've paid.
• Any amount we deduct from a refund is listed in your written terms before you pay. If it isn't listed there, we don't deduct it.
• You join only by clearly agreeing to your written terms and paying. We never treat silence or a pre-ticked box as a yes.
• Cancelling takes one email. There's no hidden button, no required call and no notice period you weren't told about.
• We won't rush you to pay with countdown timers, fake deadlines or "last seat" claims.
• If we change this policy, the version in your written terms applies to your enrolment, unless the new version is better for you.

Your rights under Indian law

Nothing in this policy limits or takes away your rights under the Consumer Protection Act, 2019, or any other Indian law. If anything here conflicts with those rights, your rights win.

If we can't sort out a problem together, you can contact the National Consumer Helpline (call 1915 or visit consumerhelpline.gov.in). You can also file a complaint with a consumer commission, including online at edaakhil.nic.in. Under the Act, you can file where you live or work.

This policy is governed by the laws of India. Subject to your rights above, disputes go to the courts in [city, e.g. where your business is registered].

Questions and complaints

For refund questions, email nick@ecomtornado.com first. If you're not happy with our answer, contact our Grievance Officer:

• Name: [Grievance officer name]
• Designation: [Grievance officer job title, e.g. Founder or Operations Manager]
• Email: [grievance email]
• Phone: [Grievance officer phone number]
• Address: [Registered address]

We acknowledge complaints within 48 hours and resolve them within one month of receiving them.

Who we are

Ecom Incubator is offered by [Legal business name], trading as Ecom Tornado (ecomtornado.com).

• Registered address: [Registered address]
• Branch offices: [Branch addresses, or write "None"]
• GSTIN: [GSTIN]
• Email: nick@ecomtornado.com
• Customer care phone: [Customer care phone number]

Related pages: Ecom Incubator, Terms, Privacy Policy.