1. Refund Requests & Eligibility

Refund requests may be considered where a service paid for by the student has not been delivered as communicated or agreed, subject to the applicable terms and conditions.

A refund request does not automatically guarantee a refund. Each request will be reviewed based on the nature of the service, payment made, services already provided, and the circumstances of the request.

To request a refund:

• The request must be submitted in writing to IAODL.
• The request should include the student's full name, registered mobile number, and email address.
• The student must provide the relevant payment receipt, transaction ID, or other valid proof of payment.
• The reason for requesting the refund must be clearly stated.
• IAODL may request additional information where necessary to verify the payment or service.

2. University Fees & Third-Party Payments

IAODL provides educational counselling, university comparison, admission guidance, application assistance, and related support services.

Where fees are paid directly to a university, educational institution, or other third party, the refund and cancellation policy of that respective institution will apply.

IAODL does not independently determine or guarantee refunds for amounts collected directly by a university or other third-party institution.

Students are advised to carefully review the applicable university's:

• Admission policy
• Fee structure
• Cancellation policy
• Withdrawal policy
• Refund policy
• Applicable deductions or administrative charges

before completing an admission or making a payment.

3. Non-Refundable Fees & Services

Certain charges may be non-refundable and non-transferable, particularly where the service has already been initiated, delivered, or substantially utilized.

These may include, where applicable:

• Registration or processing charges
• Counselling or consultation service fees
• Documentation or verification charges
• Application assistance charges
• Admission assistance charges
• University/program selection assistance
• Administrative or service charges
• Services already provided or substantially completed

If the requested service has already commenced, a full refund may not be applicable.

4. Service Cancellation

Students may request cancellation of an IAODL service by submitting a written cancellation request.

Cancellation and refund eligibility may depend upon:

• The type of service requested
• Whether the service has commenced
• The extent of services already provided
• Applicable non-refundable charges
• The terms communicated to the student before payment

Where counselling, university comparison, documentation assistance, application assistance, or admission support has already been provided, partial or full refunds may not be applicable.

5. Admission Cancellation & University Withdrawal

If a student decides to cancel, withdraw, or discontinue an admission after completing the university admission process, the refund and withdrawal rules of the respective university will apply to fees paid to that university.

IAODL may assist the student in understanding or following the applicable process where such assistance is available.

However, the final decision regarding university fees, refunds, deductions, withdrawal, or cancellation remains with the concerned university.

6. Missed Payments & Late Charges

Students are responsible for completing payments within the timelines communicated by IAODL or the concerned university.

Failure to complete a payment within the specified period may result in:

• Delay in processing the requested service
• Suspension of the service
• Cancellation of the application or service
• Loss of an applicable admission opportunity or offer
• Additional charges, where applicable

Where services have already been delivered, failure to complete a subsequent payment does not automatically create an entitlement to a refund of amounts already paid.

7. Excess, Duplicate or Unidentified Payments

If IAODL receives an excess, duplicate, or unidentified payment, the transaction may be reviewed by our accounts or support team.

After successful verification, IAODL may:

• Adjust the amount against an eligible outstanding payment or service; or
• Process an eligible refund through the original payment method.

The payer may be required to provide valid transaction details and proof of payment before any adjustment or refund is processed.

Requests for payment identification or adjustment should preferably be submitted within the same financial year in which the payment was made.

8. Payments Without Proper Details

If a payment is received without sufficient information to identify the student, service, or transaction:

• The payment may be temporarily placed under review.
• The payer may be requested to provide transaction details and proof of payment.
• The payment will be reconciled after successful verification.
• Any eligible adjustment or refund will be processed after verification.

IAODL shall not be responsible for delays caused by incomplete, incorrect, or unverifiable payment information provided by the payer.

9. Refund Processing

Where a refund is approved by IAODL:

1. The refund request will be reviewed and verified.
2. The eligible refund amount will be determined.
3. Any applicable non-refundable charges or service amounts may be deducted.
4. The approved refund will normally be processed through the original payment method.
5. The student will be informed where additional information is required for processing.

Refund Processing Time

The actual time for the refunded amount to appear in the student's account may vary depending on the bank, payment gateway, card issuer, or other financial institution.

10. Fraudulent or Unauthorized Transactions

If you believe that a payment has been made fraudulently or without authorization, please notify IAODL as soon as possible.

You may be required to provide relevant transaction information so that the payment can be verified.

IAODL may cooperate with the relevant payment gateway, bank, or financial institution where necessary for transaction verification or investigation.

11. Payment Advisory

Students are advised to make payments only through official payment channels communicated by IAODL or the concerned university.

IAODL shall not be responsible for payments made through unauthorized or unofficial channels, including payments made to:

• Unofficial individuals
• Unverified bank accounts
• Unauthorized agents or intermediaries
• Unofficial payment links
• Any person falsely claiming to represent IAODL

12. How to Submit a Refund or Cancellation Request

To submit a refund or cancellation request, please contact our support team.

Please provide:

• Full Name
• Registered Mobile Number
• Email Address
• Course / Service / University
• Date of Payment
• Amount Paid
• Transaction ID / Payment Reference
• Reason for Refund or Cancellation
• Payment Receipt or Supporting Documents

13. No Cash Refunds

Where a refund is approved, it will generally be processed through the original payment method used for the transaction.

IAODL does not ordinarily provide cash refunds for payments made through online or other traceable payment methods.

14. Changes to This Policy

IAODL reserves the right to update or modify this Refund & Cancellation Policy from time to time to reflect changes in its services, operational procedures, payment practices, or applicable legal and regulatory requirements.

Any updated version will be published on this page with a revised “Last Updated” date.

Students are encouraged to review this page periodically for the latest information.