Billing policy

The legal terms

1. 1.1

   The price you pay. All prices are in Indian rupees. The price you pay is the one confirmed on our server when your payment is created, shown, with the GST it includes, in the checkout summary before you pay (Terms and conditions 4.1).

2. 1.2

   International cards. If you pay by an international card, Stripe charges the rupee amount. Your card issuer converts it at its own rate and may add fees of its own.

3. 1.3

   No hidden charges. We charge no convenience, platform or processing fee on any payment. Everything you pay is in the checkout summary before you pay it.

The legal terms

1. 2.1

   Your invoice. Your payment receipt reaches your email as soon as you pay. We issue a tax invoice under GST law for every registration payment, from GSTIN 07ABBCA4830H1ZX, showing the place of supply; to receive your copy, email support@skillcept.online from the email you registered with, and we send it within 14 days of your request. For a business invoice, give your business name and GSTIN at checkout or in your request; once an invoice is issued, its name and GSTIN can’t be changed except as GST law allows.

2. 2.2

   GST on a refund. When your registration is refunded, the GST comes back too, by a credit note against your invoice.

3. 2.3

   After placement. The 9 payments after placement are fixed amounts: we add no GST or other tax to them (Pay After Placement Agreement 4.3). We send you a receipt for each one.

The legal terms

1. 4.1

   Payment providers. Payments are processed by Razorpay (in India) and Stripe (international cards), regulated payment providers whose own terms apply. Your card details are handled by them under the card networks’ security standards; we never receive or store them.

2. 4.2

   Only through us. You pay only through the checkout on skillcept.online, the UPI AutoPay mandates set up through our payment provider (5.1, Pay After Placement Agreement 4.2), or a payment link we send you from it. We never ask you to pay to a personal UPI ID, bank account or phone number. If anyone does, don’t pay, and tell us.

3. 4.3

   Reaching a payment provider. For a payment through Razorpay you can also reach Razorpay support, and for Stripe, Stripe support. Most questions are answered fastest by us first (section 8).

The legal terms

1. 5.1

   2 UPI instalments. On Infinity only, and only on special request to our team (it isn’t offered on the website), you may pay your registration in 2 UPI instalments; Go and Plus are paid in full. You pay the first part at registration. The second part is collected by the UPI AutoPay mandate you set up through the payment link our team sends you, 30 days later, or earlier if you choose to pay it. Paying in 2 instalments costs ₹2,000 more, GST included, than paying in full: it’s part of your registration, shown on that payment link before you pay, and refunded with it when you complete (Refund policy 2.1). There is no interest. The registration at that price is split in whole rupees: the second part is half of it (rounded down to the rupee) but never more than ₹15,000, and the first part is the rest, each with its share of the GST, so the two add up exactly to it. UPI AutoPay takes a payment of up to ₹15,000 by itself after notifying you the day before.

2. 5.2

   Card EMI. Card EMI, on an eligible credit or debit card, is your card issuer’s facility, not ours. It’s offered for the registration on Plus and Infinity, and for a program fee paid upfront on every plan (6.3); the tenure, interest and charges are set by your bank, which shows them before you confirm. Cancelling or converting an EMI with your bank doesn’t change what you owe us.

3. 5.3

   Cancelling a mandate. You can cancel an AutoPay mandate in your UPI app at any time, but that doesn’t cancel a payment that is due. Pay it another way through the link we send, at no extra cost.

4. 5.4

   No Cost EMI. On Plus and Infinity, card EMI of up to 6 months on eligible bank cards is No Cost EMI, through Razorpay: the interest your bank charges for the tenure is given to you as an instant discount when you pay, and we bear it, so your monthly EMIs add up to the amount you pay us. Your bank may still charge GST on the interest and a processing fee, and shows them before you confirm. Which cards and tenures qualify is shown in Razorpay’s payment window; other tenures carry your bank’s interest (5.2). If your registration is refunded, we refund its full price, including the discount we gave (Refund policy 2.3).

The legal terms

1. 6.1

   The agreement applies. The schedule, the mandate, pauses and the ₹0 promise are governed by the Pay After Placement Agreement (Pay After Placement Agreement, sections 4, 5 and 8). We remind you before each collection and send a receipt after it.

2. 6.2

   The AutoPay mandate. The mandate covers only the 9 payments of your plan’s program fee, at most one payment’s amount a month. Your UPI app notifies you at least 24 hours before each debit, and you can pause or cancel the mandate there, free, at any time. Cancelling it doesn’t cancel a payment that’s due: pay through the link we send, at no extra cost. After the 9th payment we close the mandate and confirm it in writing.

3. 6.3

   Paying the whole fee upfront instead. Instead of a registration, you may pay your plan’s whole program fee upfront, in one payment, at a lower price: ₹37,999 on Go, ₹49,999 on Plus or ₹53,999 on Infinity, instead of ₹53,991, ₹71,991 or ₹89,991 after you’re hired. It’s optional, shown in the checkout summary before you pay, and nothing is added to it: no tax and no fee (1.3). It is paid by UPI, card, netbanking or card EMI on an eligible bank card (5.2; where Razorpay’s window offers No Cost EMI for it, 5.4 applies); it can’t be paid in 2 instalments. No registration is paid with it, and it takes the registration’s place: what these terms say about your registration payment (when your completion window starts, your account and your access) applies to it, except the refund on completing. It counts as all 9 payments: once you join a qualifying job there is nothing more to pay and no mandate (Pay After Placement Agreement 4.7). Complete the program and aren’t placed? It all comes back (Pay After Placement Agreement 5.4). That is the only time it is refunded: not if you don’t complete or sign in time, leave the program or your registration ends, and not once you join a qualifying job (Refund policy 5.2). If we can’t provide what you paid for, Refund policy 6.3 and 6.5 apply to it as they do to a registration.

The legal terms

1. 7.1

   The registration instalment. If the second registration instalment isn’t paid within 7 days of its due date, after the payment provider’s retries and a reminder from us, your program is suspended. If you pay it within the next 30 days, the suspension ends and your registration stays refundable when you complete. If it is still unpaid after those 30 days, your registration ends and the amount paid is not refunded.

2. 7.2

   After placement. A failed payment is retried, and you can pay through the link we send. If two payments in a row are still unpaid 30 days after the second was due, we send a written notice and give you 15 days to pay before the unpaid balance becomes due (Pay After Placement Agreement 10.3). This never applies while payments are paused because you’ve lost a job.

3. 7.3

   No charges, ever. We charge no interest, late fee, collection fee or chargeback fee. We recover unpaid amounts only by lawful means, and we never contact your employer, family or friends about a payment.

The legal terms

1. 8.1

   Tell us. Write to support@skillcept.online with the date, amount and payment reference. We give you a reference number, check it within 7 working days, and refund any mistaken charge as the Refund policy sets out (Refund policy 6.1).

2. 8.2

   Disputes with your bank. You may raise a dispute with your bank or card issuer at any time. While a chargeback or dispute is open we may pause access to the program; we restore it when the dispute is resolved in your favour or the amount is paid, and if it’s resolved in your favour, the paused time is added to your completion window.

3. 8.3

   If it isn’t resolved. Write to our grievance officer (Legal notices). This does not limit your rights under the Consumer Protection Act, 2019.

The legal terms

1. 9.1

   When access starts. Your account opens, and your access to the Learning platform starts, on the date in the confirmation email we send when your registration payment succeeds: never later than 7 days after your payment. If that date is after the day you pay, we email you how to sign in on that date. On Infinity, live classes start on your batch’s start date.

2. 9.2

   If it hasn’t arrived. If you haven’t received your sign-in details by the end of the day your account opens, email support@skillcept.online. We sort it within 1 working day, and any delay on our side is added to your completion window.

3. 9.3

   Nothing physical. We don’t ship anything. Your certificate is issued online (Terms and conditions 9.1) and exam vouchers by email (Terms and conditions 9.2).