Last updated
School of Financial Literacy (SOFL) is operated by Frosty Hills, based in Vadodara, Gujarat, India. This policy applies to purchases of FinLexicon and Wealth Notes through the SOFL website.
1. Review before purchasing
FinLexicon and Wealth Notes are digital learning products offered with lifetime access, as defined in our Terms & Conditions.
Please read the product description and access details, explore available samples and ask any questions before making your payment.
2. Purchases are final
We do not offer refunds for reasons such as:
- Changing your mind after purchasing.
- Purchasing a product by mistake.
- Not using the product or using only part of it.
- Deciding that you no longer need the product.
- Expecting content or features that were not included in the product description at the time of purchase.
Not logging in or opening the content does not, by itself, make a purchase eligible for a refund. These rules are subject to the payment corrections and legal rights explained below.
3. Duplicate or excess payments
If you believe you have been charged twice for the same purchase or charged an incorrect amount, contact us with your registered email address and payment reference.
We will verify the transaction and refund any confirmed duplicate or excess amount.
If money has been debited but the payment is shown as failed or pending, contact us so we can check its status. Please avoid repeated payments until the status is clear.
Failed payment reversals are handled through the relevant bank and payment provider under the applicable payment rules.
4. Problems with purchased access
If a successful purchase is not available in your account or you cannot access it, contact us. We will investigate and help restore your access.
Our no-refund policy does not remove your right to a remedy where a service is deficient, is not delivered as promised or otherwise gives rise to a remedy under applicable law.
Where a refund is legally required, we will provide it.
5. Processing a refund that is due
Payments are processed through Razorpay.
Where a refund is due, we will initiate it without undue delay and send you confirmation. Refunds are normally returned to the original payment method.
After initiation, normal refunds may take approximately 7–10 business days to appear in your account, depending on the payment method and your bank. Any mandatory shorter timeframe under applicable law or payment rules will apply.
Contact us if the refund has not arrived within the timeframe communicated to you.
6. Contact and complaints
Raise a ticket through the Support section of your SOFL account or email support@frostyhills.com.
Please include:
- Your registered email address.
- The product purchased.
- The payment date and payment reference.
- A short explanation of the issue.
Never share your password, OTP, UPI PIN, CVV or full card number.
Business name: Frosty Hills
Address: Office No./TF-307, R.K. Plaza, Diwalipura Road, Near Utkarsh School, Vadodara, Gujarat, India. 390015.
Grievance Officer’s name: Ms. Shravya Bhat
Designation: Grievance Officer
Email: support@frostyhills.com
Business contact number: 7574004891
Consumer complaints will be acknowledged within 48 hours and resolved within one month of receipt.
7. Your legal rights
Nothing in this policy limits any consumer right or remedy that cannot be excluded under applicable Indian law.