Last updated: 1st January 2025

Payments and Refunds policy

1. General Information Only

MindMeld Integrated Solutions LLP’s website is a comprehensive platform for sharing information across all domains—empowering learners to upskill, professionals to deepen expertise, seasoned experts to design and monetize their own training, and organizations to seamlessly engage our services.

2. Payments and Refunds – General instructions.

1. General Instructions for Users

Before making any payment or transaction on the MindMeld platform, users are advised to:

    • Carefully read course/service descriptions, schedules, prerequisites, and refund eligibility.

    • Ensure their payment method is valid and has sufficient balance.

    • Contact info@mindmeld.in for clarification before enrolling or purchasing services if in doubt.

    • Keep records of all transactions, invoices, and communication with instructors or service providers.

    • Avoid sharing sensitive financial data outside the platform. MindMeld staff will never ask for passwords or OTPs.

By proceeding with a transaction, users agree to the terms outlined in this policy.

3. Scope and Application

    • This policy governs all financial transactions on the MindMeld platform, including:

    • Student Payments – For purchasing training programs (live or self-paced).

    • Instructor Payouts – Earnings withdrawals by instructors who sell their courses on the platform.

    • Service Payments – For expert services booked by users. (offline payments only)

This policy applies to all users, instructors, service providers, and clients, which may include individuals as well as institutions / companies

4. Payment Methods

MindMeld accepts payments for trainings (online) through: 

    • ccAvenue – UPI, Credit/Debit Cards, Wallets, Net Banking. tokenize sensitive card information and process payments securely.
    • Direct Pay – Bank transfers (NEFT, IMPS, RTGS). Indian banks follow RBI’s IT and cybersecurity frameworks

All payments on the platform must be made in Indian Rupees (INR). MindMeld does not provide currency exchange services and does not fix or guarantee any exchange rate. If you are making a payment using an international credit/debit card, the transaction will be charged in INR, and the conversion to your local currency will be handled by your card issuer based on their prevailing exchange rates and fees.

Applicable GST will be added to the total billing amount in accordance with Indian tax regulations.

5. Payments Security and data protection.

    • All payments are processed using PCI-DSS compliant or similar protocol gateways or RBI approved gateways

    • MindMeld does not store your credit card or banking information.

    • Data protection is governed by the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023.

6. Transaction Types and Fee / Pricing Distribution

The pricing / fee of training programs and services on the MindMeld platform is dynamic and may vary based on several factors. Instructors have the flexibility to set the price for their own training programs, taking into account course content, duration, specialization, and market demand. As such, prices for similar topics may differ from one instructor to another.

In the case of services offered through the platform — such as consulting, mentoring, technical support, or freelance projects — the fees are determined based on the scope, complexity, and duration of the work involved. Service providers may offer custom quotes depending on user requirements, and MindMeld facilitates transparent communication and agreement between both parties before the payment is made.

MindMeld reserves the right to run promotional campaigns, offer discounts, and change pricing from time to time. All prices are displayed in INR (Indian Rupees) and are inclusive of applicable taxes unless explicitly stated otherwise.

6.1 Student Purchases (Online Training Programs)

    • Students pay upfront for training content (live or self-paced).

    • GST is included in the purchase amount, and a tax invoice is issued.

Students are encouraged to review course details, prerequisites, and learning objectives before making a purchase. All student payments are considered final and non-refundable unless there is verified misconduct, fraud, or non-delivery of promised content by the instructor or platform. Users are advised to make informed decisions before confirming a transaction.

6.2 Instructor Earnings and Withdrawals

    • Instructors earn 80% of the revenue from their course sales.

    • 20% is retained by MindMeld as platform commission.

    • Payouts are subject to a minimum threshold (e.g., ₹1,000) and processed monthly via bank transfer or UPI.

    • PAN and bank details are mandatory.

    • Applicable TDS (Tax Deducted at Source) under Section 194J/194O will be deducted.

Note: The current revenue-sharing terms are part of a promotional structure aimed at encouraging instructor participation. MindMeld reserves the right to increase, review and revise these terms at its sole discretion. Any such changes will be communicated in advance via email or platform notifications.

6.3 Service Payments (Consulting, Coaching, Freelance Support)

    • Users / clients pay for expert services (e.g., coaching, consulting, freelance help) in an offline manner. The complete payment shall be done upfront, however, based on the agreements between the company, service providers and the clients, payment structure can be bifurcated before and on completion of the service.

    • MindMeld holds funds until the service is marked complete.

    • The fees / pricing of the service shall be decided with and addendum agreement which will define the specifics of work. The commissions due to the company shall be retained by the company before rolling out any payments. Taxes as applicable shall be deducted before the payment.

    • Any payments resulting of the MindMeld employee services provided to clients shall be paid via salary at Month end. Employees can be considered as partners / contractual employees or any other engagement of employment.

Note: Tax Deduction: As per Indian tax laws, TDS (Tax Deducted at Source) will be applied on payouts to service providers where applicable. Experts are required to furnish valid PAN details to receive tax-compliant earnings. TDS certificates will be provided as per statutory timelines.

6.4 Promotional Codes and Discounts

    • MindMeld may issue promotional codes (promo codes, referral codes, or discount vouchers) for marketing, user loyalty, or instructor promotions.

    • Promo codes:
      • Are valid for a limited time and are non-transferable.
      • Cannot be combined with other offers unless explicitly stated.
      • Do not affect instructor payouts, which are calculated based on the final transaction value.

        • May be revoked by MindMeld if misuse or fraud is suspected.

    • Users may not exchange promo codes for cash or request refunds on promotional value.

    • Terms and conditions shall be published on the website as and when it is launched.

6.5 Free Training Programs

    • Some courses may be offered completely free as part of community outreach, learning pilots, or promotional efforts.

    • Free courses:
      • Do not guarantee instructor payouts.
      • Cannot be refunded, credited, or exchanged for paid programs.
      • May have limited access periods or restricted features.

        • Are still governed by the platform’s terms of use and conduct policies.

7. Refund Policy

7.1 Training Programs (Courses)

All training programs offered on the MindMeld platform — whether live or self-paced — are classified as intellectual property and proprietary content. Once a user has purchased access to a course, they gain exposure to the creator’s ideas, methods, and learning structure, which cannot be reversed or reclaimed.

As such, MindMeld does not offer any refunds for paid courses under normal circumstances.
Users are expected to review course descriptions, objectives, and instructor credentials before making a purchase.

Refunds may only be granted in cases where there is proven misrepresentation, fraud, or misconduct by the instructor — such as:

    • Content significantly differing from what was described.

    • False claims of certification or qualifications.

    • Non-delivery of promised live sessions.

All refund requests in such cases will be evaluated by the MindMeld team, and decisions will be made at the company’s sole discretion.

Refunds shall be provided in the account number provided by the claimant which will mandate the submission of the necessary documents.

7.2 Services (Consulting, Coaching, Freelance Support)

    • If the service provider fails to deliver as agreed, a full or partial refund may be issued based on the case.

    • If the user cancels before service delivery begins, up to 80% refund will be issued.

    • No refunds after delivery starts unless there’s a proven issue.

    • Refunds are at MindMeld’s discretion and will be based on objective documentation and communication between parties.

7.3 Processing of Refunds

    • Refunds are credited within 10–15 business days to the original payment method. However, this may take more than 15 days in cases of disputes.

    • Gateway charges and Taxes submitted may be retained by the company during the refund

Note: Account Closure Due to Misappropriation: If an instructor or user account is terminated due to verified misappropriation or violation of platform policies, MindMeld will conduct a final review and full & final settlement of any pending dues or liabilities. This may include:

8. Platform Commission and TDS

    • MindMeld retains a 10% platform fee from course and service transactions which is subject to change and increase in the future.

    • TDS is deducted on instructor and service provider payouts, as required by Indian Income Tax regulations (generally 10% under Sections 194J or 194O).

    • Tax-compliant invoices and payout statements will be issued.

9. Dispute Resolution

9.1 Customer Grievances

    • Email info@mindmeld.in for any concerns.

    • We aim to respond within 72 hours and resolve within 15 days, following the Consumer Protection (E-Commerce) Rules, 2020.

9.2 Escalation to Payment Gateway

    • If there’s an unauthorized transaction, users may also escalate to Razorpay or PayPal.

    • MindMeld will cooperate fully in such cases and provide transaction records.

9.3 Legal Disputes

    • All legal matters are subject to the jurisdiction of Mumbai / Thane, India.

    • This policy is governed by Indian Contract Act, 1872; Consumer Protection Act, 2019; and other relevant Indian laws.

10. Fraud and Chargebacks

MindMeld takes fraud, misuse, and chargebacks very seriously. Any unauthorized, suspicious, or disputed payment transactions — whether initiated by a user or instructor — will be investigated thoroughly.

If a user initiates a chargeback or dispute without valid reason after receiving the product or service, they may be permanently banned from the platform. Similarly, instructors or service providers who engage in fraudulent behavior — such as fake course listings, ghost sessions, or payment manipulation — will face immediate suspension and possible legal action.

In cases of suspected fraud, misappropriation, cybercrime, or monetary deception, MindMeld reserves the right to:

    • Involve local law enforcement agencies and file formal complaints where required.

    • Cooperate fully with police, cybercrime units, or regulatory authorities, and share any user/instructor data, IP addresses, communications, or transaction records as requested under Indian law.

MindMeld will always act in compliance with the Information Technology Act, 2000, and applicable provisions under the Indian Penal Code (IPC) and other regulatory frameworks.

11. Amendments

This policy may be updated from time to time. Changes will be notified.

12. Contact Us

If you have any questions or concerns about this Disclaimer, please contact us at info@mindmeld.in

Note: This Payments and Refunds policy is not exhaustive; any matters not expressly addressed herein will be subject to discussion with MindMeld Integrated Solutions LLP’s management