Last updated: January 19, 2026

1. Overview

Cognovia Consulting Private Limited is committed to customer satisfaction. This policy explains our refund, cancellation, and subscription management procedures for The STEM Gems platform.

2. 7-Day Money-Back Guarantee

100% Satisfaction Guaranteed

  • Eligibility: First-time subscribers only
  • Timeframe: Request within 7 days of purchase
  • Full Refund: 100% of subscription fee returned
  • Processing: 5-7 business days to original payment method

3. How to Request a Refund

1

Email Us
hello@thestemgems.com

2

Provide Details
Account email & transaction ID

3

We Review
Response within 2 business days

4

Get Refund
5-7 days processing

4. Cancellation Policy

4.1 How to Cancel

4.2 What Happens After Cancellation

  • Auto-renewal is disabled immediately
  • You keep access until the end of your billing period
  • Your data is preserved for 90 days
  • You can reactivate anytime

5. Non-Refundable Situations

Refunds will NOT be provided for:

  • Requests made after 7 days from purchase
  • Subscription renewals (automatic or manual)
  • Partial refunds for unused time
  • Account termination due to Terms violations

6. Payment Processing

All payments are processed through Razorpay, our secure payment partner:

  • PCI-DSS compliant payment processing
  • Secure encryption of payment information
  • Refunds processed through Razorpay gateway

7. Contact Us

Cognovia Consulting Private Limited

The STEM Gems Platform

Email: hello@thestemgems.com

We typically respond within 24 hours during business days