Refund Policy — Edu Guardian

Edu Guardian believes payment terms should be clear before a student commits to a service. This Refund Policy explains how we treat service fees, application-related payments, third-party charges and refund requests. Where a separate written agreement applies to a particular service or student, that agreement governs the specific commercial terms, subject to applicable law.

THE MOST IMPORTANT DISTINCTION — SERVICE FEES VS. THIRD-PARTY COSTS

Edu Guardian Service Fee

For services covered by Edu Guardian's 'No Visa, No Service Fee' arrangement, the applicable service fee is not charged before the agreed visa outcome is achieved. Where a service fee has become payable under the student's applicable agreement, its payment and refund treatment are governed by that agreement.

Where a service fee has already been validly charged and the agreed service has commenced or been substantially performed, the fee is generally non-refundable except where the applicable agreement, an agreed exception, or applicable law provides otherwise.

Application and Third-Party Fees

Application fees, university fees, assessment fees, visa/government fees, medical or biometric charges, courier charges, translation/certification charges and other amounts paid to or on behalf of third parties are separate from Edu Guardian's service fee.

These amounts are normally subject to the refund and cancellation rules of the relevant university, government authority, service provider or other third party. Edu Guardian cannot guarantee a refund of a third-party payment simply because a student later changes their plans.

Where Edu Guardian receives a third-party amount only for onward payment, that amount should not be described as an Edu Guardian service fee.

WHEN A REFUND MAY APPLY

A refund may be considered where:

The student's applicable written service agreement expressly provides for a refund.

Edu Guardian has received a payment that was not required or was received in error.

A third-party provider has approved a refund and the refundable amount has been received by or is available to Edu Guardian for onward return, where applicable.

Edu Guardian and the student have separately agreed in writing to a refund or settlement.

A refund is required by applicable law.

The existence of a refund request does not by itself establish that a refund is payable.

STUDENT WITHDRAWAL OR CHANGE OF PLAN

Students may change their study destination, course, university or personal plans. However, withdrawal does not automatically cancel costs or obligations that have already been incurred.

If the student withdraws before a service has commenced, any refund will be determined by the applicable written terms and by whether any non-recoverable third-party costs have already been incurred.

If the application or advisory process has already started, amounts already paid for completed services or non-refundable third-party costs will generally not be refundable unless the applicable agreement or law provides otherwise.

If a student chooses to stop an application after a university, government authority or other third party has received a payment, Edu Guardian will assist with the relevant process where appropriate, but the third party's own refund rules will apply.

Changing destination or university may create new costs and does not automatically create a right to recover earlier third-party payments.

VISA REFUSAL

A visa refusal does not automatically create a refund of every amount associated with a student's application.

For services covered by the applicable 'No Visa, No Service Fee' arrangement, Edu Guardian does not charge the agreed service fee before the qualifying visa outcome. Any separate application, university, government or third-party payments remain subject to the rules of the relevant recipient.

If a student has a specific written agreement containing a different refund arrangement for a visa refusal, that agreement should be reviewed together with this policy.

UNIVERSITY / INSTITUTION REFUNDS

University or institution payments are governed by the institution's own terms. If a university approves a refund, the amount and timing depend on the university's process, deductions and applicable rules.

Edu Guardian does not promise a university refund merely because an offer is declined, a student withdraws, a visa is refused or a student changes destination.

Where Edu Guardian is holding a refundable amount on the student's behalf, any amount actually received for return will be processed according to the applicable agreement and after relevant deductions or charges have been confirmed.

PAYMENTS MADE TO EDU GUARDIAN

Before a student makes a payment directly to Edu Guardian, the applicable service, amount, purpose and relevant payment/refund terms should be communicated clearly.

A payment receipt or other confirmation should identify, where practical, whether the amount is:

an Edu Guardian service fee;

an application or processing fee;

a third-party amount being paid onward; or

another specifically identified charge.

Students should retain receipts, payment confirmations and written communications relating to the payment.

REFUND REQUEST PROCESS

Step 1: Submit the refund request in writing to Edu Guardian using the approved contact channel.

Step 2: Include the student's name, relevant application/reference information, payment date, amount, payment purpose and reason for the request.

Step 3: Edu Guardian will review the request against the applicable service agreement, payment records and any relevant third-party terms.

Step 4: Where a third-party decision is required, the request may remain subject to that provider's process.

Step 5: Edu Guardian will communicate the decision and, where a refund is approved, the amount and expected processing route/timeframe.

REFUND PROCESSING TIME

Where Edu Guardian determines that a refund is payable and all information required to process it is available, the refund will be processed within a reasonable administrative timeframe.

Where the refundable amount depends on a university, government authority, payment processor or other third party, the timing may depend on that party's refund process.

We will not describe a fixed number of days unless Edu Guardian adopts and operationally supports a specific refund-processing standard.

DEDUCTIONS AND NON-REFUNDABLE COSTS

Where permitted by the applicable agreement and law, a refund may be reduced by amounts that have already been validly incurred and cannot be recovered, including applicable third-party charges.

Any deduction should be explainable from the relevant payment record, agreement or third-party charge.

Edu Guardian should not apply an undisclosed administrative deduction simply because a student requests a refund.

NO GUARANTEE OF ADMISSION OR VISA

Edu Guardian provides guidance and application support but does not control the decisions of universities, immigration authorities, embassies, governments or other third parties.

A refund policy does not constitute a guarantee of admission, scholarship or visa approval.

SERVICE PERFORMANCE AND FAIR TREATMENT

Edu Guardian aims to provide the services described to each student according to the applicable agreement. If a student believes a service has not been delivered in accordance with the agreed terms, they should contact us promptly so the matter can be reviewed.

Where the issue involves a third party, Edu Guardian will explain the relevant distinction and, where appropriate, assist the student with the applicable third-party process.

EXCEPTIONS AND APPLICABLE LAW

This policy is intended to be read together with the student's applicable service agreement and any mandatory rights or remedies available under the laws applicable to the transaction.

Nothing in this policy is intended to exclude or restrict a right or remedy that cannot lawfully be excluded or restricted.

The Bangladesh Contract Act, 1872 recognises contracts arising from free consent, lawful consideration and lawful objects, and provides rules governing contractual performance and consequences of breach. Bangladesh's Directorate of National Consumers' Right Protection also identifies the Consumers' Right Protection Act, 2009 as a current consumer-protection law.

CHANGES TO THIS REFUND POLICY

Edu Guardian may update this Refund Policy when its services, payment practices, agreements or applicable legal requirements change. The 'Last updated' date will be revised when a new version is published.

A change to this public policy does not automatically alter the terms of a previously executed student agreement unless that agreement or applicable law permits the change.