Terms & Conditions

Effective Date: 25/02/2025

1. Introduction

Welcome to Spoken Tutorial. By accessing and using our website, you agree to abide by the terms and conditions stated herein. These Terms & Conditions govern your use of the payment services offered via the HDFC Payment Gateway.

2. Payment Processing

  • Payments made through the HDFC Bank Payment Gateway are processed securely.

  • By initiating a payment, you agree to provide accurate information and authorize us to process the transaction.

  • Payments once made are non-refundable, except in cases of transaction failure or errors.

3. Transaction Security

  • We use HDFC SmartGateway, which ensures secure encryption of transaction details.

  • Your card details are NOT stored on our servers.

4. Refund & Cancellation Policy

  • In case of duplicate payment, incorrect deduction, or transaction failure, please contact your Training Manager within 2 working days.

  • Refunds, if applicable, will be processed in accordance with HDFC Bank’s policies.

5. User Responsibility

  • You agree to use valid payment methods.

  • Any unauthorized transactions will be reported to the relevant authorities.

6. Governing Law

  • These Terms & Conditions shall be governed by the laws of India.

  • Disputes arising out of or in connection with these Terms & Conditions shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.

For further details, contact us at contact@spoken-tutorial.org.