Refund, Cancellation and Payment Policy

Grown Man Systems (GMS)

Effective Date: 14 October 2026
Last Updated: 14 October 2026

1. Introduction

Grown Man Systems (“GMS”, “we”, “our” or “us”) provides digital products, educational resources, publishing, informational content and practical digital and business services through https://grownmansystems.com and other authorised channels.

This Refund, Cancellation and Payment Policy explains how we handle refund requests, cancellations, payment errors, digital delivery problems and service-related disputes.

Our offerings differ in format and delivery. A downloadable educational card pack, a digital publication, a customised administrative task and a business project may therefore have different cancellation and refund conditions.

Our general commercial position is that completed digital-product purchases are ordinarily final once access or delivery has been provided. However, every request will be assessed in accordance with this Policy, the specific purchase terms and applicable law.

Nothing in this Policy removes a consumer right or remedy that cannot lawfully be excluded.

2. Products and Services Covered

This Policy applies, where relevant, to purchases and paid engagements involving:

2.1 GMS Digital Store and Digital Downloads

Downloadable templates, guides, documents, educational resources, productivity materials and other digital products.

2.2 GMS KTC and GMS Card Forge

Educational and knowledge-based card collections, printable card packs, reference sheets and related digital resources. These may include Solar System Explorer Pack Classic Edition, Mythology Explorer Pack Series 1, Human Anatomy Explorer Pack, Exoplanet Explorer Pack Series 1, Deep Sea Creatures Explorer Pack Series 1, Astrobiology Explorer Pack Series 1 and GMS KTC AI Explorer Pack — Series 1, along with other available collections.

2.3 GMS Storyverse and Digital Publishing

Original illustrated stories, digital publications, creative content and related downloadable material.

2.4 GMS News and News Newsletters

Digital newsletters, informational publications, research reports and other content made available for purchase or paid access.

2.5 Plectrum Careers

Career-related newsletters, educational resources, professional-development materials and any personalised or renewable offerings made available under a specific plan.

2.6 GMS Microtasks

Individual digital tasks and administrative support, which may include research, data entry, document formatting, spreadsheets, presentations, transcription and related work.

2.7 GMS Business Solutions

Customised business support, research, documentation, spreadsheet systems, digitisation, data processing, reports, presentations, digital operations and other services agreed with a client.

2.8 Other GMS Offerings

Other digital products, services or initiatives made available through GMS may also be covered. Where an offering has a separate product description, quotation, checkout notice or written agreement, its specific terms will apply alongside this Policy, subject to applicable law.

The inclusion of a developing initiative does not mean that every planned product or service is currently available for purchase.

3. General Refund Principles

Refund requests are assessed individually, taking into account the product or service purchased, the delivery status, the issue reported, any work completed and applicable legal requirements.

The following principles generally apply:

• Digital products: Purchases are ordinarily final after access or delivery has been provided, subject to applicable law and the exceptions described in this Policy.

• Undelivered digital products: We will investigate credible reports of missing access or failed delivery and take appropriate corrective action.

• Duplicate or incorrect charges: Verified billing errors will be reviewed for correction or refund, as appropriate.

• Customised work: Refund eligibility depends on the agreed scope, progress, deliverables, cancellation terms and circumstances.

• B2B projects: Project-specific quotations and written agreements govern deposits, milestones, cancellations and work already completed, subject to applicable law.

• Legal rights: Applicable consumer rights and mandatory remedies take precedence over any conflicting provision of this Policy.

A refund request is not automatically approved merely because it is submitted. Equally, a request will not be rejected solely because a purchase is digital or because a general final-sale rule exists.

4. Digital Products and Downloadable Resources

This section covers digital card packs, printable resources, templates, educational downloads, guides, digital publications and similar products.

4.1 Final-Sale Principle

Once a digital product has been successfully delivered, made accessible or downloaded, the purchase is ordinarily considered final.

This approach reflects the nature of digital goods, which may be accessed, copied or retained after delivery.

Refunds are not ordinarily granted solely because:

• A customer changes their mind after receiving access.

• A product is no longer required.

• The customer purchases the wrong item after reviewing its description.

• The customer decides not to use the product.

• The customer's personal preferences differ from the product's disclosed format or content.

• The customer experiences an issue caused by incompatible software, equipment or printing settings that were not represented as supported.

These circumstances do not remove any rights available under applicable law.

4.2 Failed Download or Access

If a purchased product cannot be accessed or downloaded, please contact GMS with the order details and a description of the problem.

We may first attempt to resolve the issue by:

• Reissuing a valid download link or access instructions.

• Restoring access where technically possible.

• Providing a corrected or replacement file.

• Offering another appropriate remedy where the original delivery cannot be completed.

If the promised digital product cannot be delivered or the issue cannot reasonably be resolved, a refund or other remedy may be considered as appropriate, including where required by law.

4.3 Defective, Corrupted or Incorrect Files

If a supplied file is corrupted, materially incomplete, the wrong product or materially different from the product description, please contact us.

Where the issue is verified, GMS may provide a corrected file, replacement, restored access or another appropriate remedy. If the problem cannot reasonably be resolved, a refund may be considered or provided where required by applicable law.

Minor differences that do not materially affect the product's stated purpose will be assessed in context.

4.4 Printing and Compatibility

Customers are responsible for reviewing product descriptions, file formats, printing dimensions and other stated requirements before purchasing.

For printable products, the final printed appearance may depend on the customer's printer, paper, scaling settings, display, colour profile and print service.

A difference caused solely by a customer's printer, paper, scaling or other external setup will not ordinarily qualify for a refund if the digital file was supplied as described.

This provision does not exclude remedies where the supplied file itself is materially defective or the product was materially misrepresented.

5. GMS KTC and Card Forge Products

GMS KTC and Card Forge products may be supplied as downloadable, printable or other digital educational resources.

Before purchasing, customers should review the relevant product page for its stated contents, edition, number of cards or files, format, intended use and printing guidance.

Refund requests involving these products will be assessed under the digital-product rules in Section 4.

In particular:

• A purchase is ordinarily final once the correct product has been delivered and access provided.

• A missing or corrupted file may be eligible for correction, replacement or another appropriate remedy.

• A material mismatch between the delivered product and its description will be reviewed.

• Printing costs incurred independently by the customer are not ordinarily reimbursed by GMS unless agreed otherwise or required by law.

• Where a physical printing or fulfilment arrangement is expressly offered, its disclosed terms will also apply.

The existence of printable artwork does not mean that GMS has undertaken to print, ship or physically deliver a product unless that service is expressly offered and purchased.

6. Newsletters, Publications and Renewable Plans

This section applies to GMS News, News Newsletters, Plectrum Careers and other publication or newsletter offerings where paid access or a paid plan is available.

6.1 One-Time Purchases

A one-time digital publication or newsletter purchase is ordinarily final once access or delivery has been provided, subject to the general exceptions and applicable law.

6.2 Recurring or Renewable Plans

Where a recurring or renewable plan is actually offered, its checkout page or plan terms should state the applicable price, billing interval, renewal arrangements and cancellation process.

Customers may request cancellation of future renewals through the stated process. Cancellation of a future renewal does not automatically entitle the customer to a refund for a current or previously completed billing period.

Refunds for a current period will be assessed under the plan's disclosed terms and applicable law.

GMS will not treat a product as a recurring subscription merely because it is described as a newsletter or renewable resource. Recurring billing terms apply only where such a plan is actually offered and accepted.

7. GMS Microtasks

GMS Microtasks provides practical digital and administrative support based on the customer's instructions and the agreed scope of work.

Refund eligibility depends on the nature of the task, its completion status, the quality of the deliverable and any terms agreed before work begins.

7.1 Before Work Begins

If a customer requests cancellation before work has started, GMS will review the request against any accepted quotation, payment terms and applicable law.

Where no work has started and no non-recoverable cost has been incurred, a refund may be appropriate, subject to the agreed terms and any applicable legal requirements.

7.2 Work in Progress

Where work has begun, the refund assessment may take account of:

• Work already completed.

• Time and resources reasonably committed.

• Third-party costs incurred for the assignment.

• The agreed milestones and cancellation terms.

• The portion of the work that remains undelivered.

Any deduction or retained amount must be consistent with the agreed terms and applicable law. GMS will not treat a cancellation fee or deduction as automatically payable merely because work has started.

7.3 Completed Work

Once an agreed task has been completed and delivered in accordance with its scope, the fee is ordinarily non-refundable merely because the customer no longer requires the result or changes their mind.

This does not exclude a review where the deliverable materially fails to meet the agreed requirements, contains a verified deficiency attributable to GMS or attracts a remedy under applicable law.

7.4 Revisions and Corrections

Where a quotation or task description includes revisions, those revisions will be handled according to the agreed scope.

If a deliverable contains an error attributable to GMS or materially fails to meet the agreed requirements, we may seek to correct it within a reasonable scope before considering another remedy.

Additional work arising from changed instructions, new requirements or materials supplied after the task begins may require a revised quotation.

8. GMS Business Solutions and B2B Projects

Business Solutions may involve customised research, documentation, spreadsheet systems, data processing, digitisation, presentations, reports and other business-support work.

Because these engagements may vary substantially in scope, pricing, duration and deliverables, the accepted quotation, statement of work, purchase order or written project agreement should define the commercial terms for each engagement.

Where applicable, the agreement should specify:

• Project scope and deliverables.

• Fees, deposits and payment milestones.

• Estimated timelines and dependencies.

• Client responsibilities and required source materials.

• Included revisions and acceptance procedures.

• Cancellation, termination and refund arrangements.

• Any agreed expenses or third-party costs.

8.1 Deposits and Advance Payments

Deposits or advance payments may be used to reserve capacity, begin a project or cover agreed initial work.

Whether a deposit is refundable depends on the written agreement, the work or costs already incurred, the circumstances of cancellation and applicable law.

A deposit is not automatically non-refundable simply because it is called a deposit.

8.2 Cancellation by the Client

If a client cancels a project, GMS will assess the cancellation according to the agreed terms and applicable law.

The assessment may account for completed milestones, work in progress, resources committed, authorised expenses and any undelivered portion of the engagement.

Where a refund is due, the amount will be calculated in accordance with the agreement and applicable requirements.

8.3 Delays or Missing Client Inputs

Projects may depend on the timely provision of documents, approvals, access, data or decisions by the client.

Where these inputs are delayed, the delivery schedule may need to be revised. Such a delay does not automatically create a right to a refund where GMS remains ready to perform the agreed work.

The parties should discuss any material delay or change in scope and agree on a reasonable path forward.

8.4 Deficient or Undelivered Work

If GMS fails to deliver an agreed milestone or a deliverable materially fails to meet the written scope, the client should notify us with sufficient details for review.

Where appropriate, we may correct the deficiency, complete the outstanding work, agree on a revised delivery plan or provide another remedy under the project agreement.

Any refund or other remedy required by law remains available notwithstanding the general provisions above.

8.5 No Automatic Refund for Dissatisfaction Alone

A difference in business preference, a change in strategy or a decision not to use a correctly delivered deliverable does not ordinarily entitle a client to a refund where the agreed work has been performed.

This does not excuse a failure to meet the agreed scope or override any applicable legal obligation.

9. Physical Products, Printing and Shipping

GMS may, where expressly offered, arrange physical printing, production or delivery of products such as printed educational cards or other materials.

This Policy does not imply that physical fulfilment is currently available for every GMS product.

Where a physical product is offered, the applicable product or checkout page should disclose the relevant price, delivery terms, shipping charges and any applicable return or refund conditions.

If a physical item arrives damaged, materially defective, incorrect or materially different from its description, please contact GMS promptly and provide reasonable supporting details, such as photographs where appropriate.

Depending on the circumstances, the available remedy may include repair, replacement, return, refund or another remedy required by law.

Return shipping costs and responsibility for arranging a return will be determined by the disclosed terms and applicable law. Customers should contact GMS before returning an item so that appropriate instructions can be provided.

Where production has not begun, cancellation may be possible under the applicable terms. Once customised production or dispatch has begun, cancellation may be restricted where lawfully permitted, taking account of the product's nature and the applicable consumer protections.

10. Duplicate Payments, Failed Transactions and Billing Errors

If you believe you have been charged more than once for the same purchase, paid the wrong amount or experienced a payment error, contact GMS with the relevant transaction details.

We may request information such as:

• Order reference.

• Transaction reference or payment identifier.

• Payment date and amount.

• A description of the issue.

• A redacted receipt or confirmation where necessary.

Please do not send your full payment-card number, card security code, password or payment-provider login credentials.

After reviewing the transaction, GMS may coordinate with the relevant payment provider to verify the payment status and arrange a correction or refund where appropriate.

If a payment appears to have failed but money has been debited or placed on hold, the outcome may depend on the provider's transaction status and banking procedures. We will review the information available and provide reasonable assistance.

11. Payment Providers and Refund Processing

GMS currently intends to accept payments through Razorpay and PayPal where the relevant option is available at checkout.

Refunds for eligible purchases may be initiated through the original payment method or another lawful method agreed with the customer where appropriate.

The time required for a refund to appear in the customer's account may depend on the payment provider, issuing bank, payment method and applicable processing procedures.

GMS cannot guarantee the precise time at which a bank or payment provider will post a refund after it has been initiated. However, we will communicate the status of an approved refund where reasonably possible and provide relevant transaction information when available.

A payment provider's own terms, verification requirements and dispute procedures may also apply. These do not remove GMS's obligations concerning an approved refund or any remedy required by law.

12. How to Request a Refund

To request a refund, cancellation or review, email info@grownmansystems.com.

Use the subject line:

Refund Request — [Order Reference]

Please include:

1. Your name and contact email.

2. The product or service purchased.

3. The order or transaction reference, if available.

4. The date and amount of payment.

5. A clear explanation of the issue and the remedy requested.

6. Relevant supporting information, such as a screenshot of an error or a description of a missing deliverable, with unnecessary personal or payment details removed.

For service-related requests, include the agreed scope, relevant milestone and current delivery status where possible.

Please do not send passwords, full payment-card details or card security codes.

If you cannot locate your order reference, provide enough information for us to identify the transaction.

13. Review and Resolution Process

GMS will review refund and cancellation requests in a reasonable manner, taking account of the nature of the purchase, supporting information, delivery or completion status and applicable requirements.

We may request additional information where it is necessary to investigate the request.

Where a remedy is appropriate, we will communicate the proposed resolution and, where relevant, initiate the refund or other agreed action.

Where a request is not approved, we aim to explain the reason in a clear and respectful manner, subject to any relevant legal requirements.

We will handle complaints within the time limits required by applicable law. A request may require additional investigation if it involves a disputed transaction, a third-party payment provider or a complex project agreement.

Nothing in this section limits a customer's ability to exercise any applicable statutory right or use an available lawful consumer grievance mechanism.

14. Fraud, Misuse and Disputed Transactions

GMS may investigate suspected fraudulent purchases, unauthorised transactions, misuse of digital products or materially inaccurate refund claims.

We may request reasonable information needed to verify a transaction or assess a complaint.

Where appropriate, GMS may suspend access to a product or service while investigating suspected fraud, subject to applicable law and the customer's contractual or statutory rights.

Customers who believe that a payment was unauthorised should promptly contact their payment provider or bank as well as GMS where relevant.

We will not treat a legitimate complaint as fraudulent merely because the customer disputes a charge or requests a refund.

15. Changes to Products, Prices and Policy

GMS may update products, services, pricing and operational arrangements from time to time.

Unless applicable law requires otherwise, changes to this Policy will be published on the website with an updated “Last Updated” date.

The version applicable to a purchase will be considered alongside the terms disclosed at the time of purchase, any accepted written agreement and applicable law. A later policy update does not automatically remove rights already acquired by a customer.

16. Applicable Law and Consumer Rights

This Policy is intended to operate consistently with applicable Indian law, including the Consumer Protection Act, 2019, applicable e-commerce rules and other relevant legal requirements, as amended or brought into force from time to time.

Where mandatory law provides a right, remedy, return, replacement or refund that conflicts with this Policy, the mandatory legal requirement will prevail.

Customers outside India may also have rights under applicable local consumer-protection laws. Nothing in this Policy is intended to exclude a non-waivable right that applies to a particular transaction.

19.Third-Party Storefronts and Checkout Platforms

GMS may display, promote or link to its digital products through third-party storefronts and checkout platforms, including Payhip. When you select a product or click an option such as “Explore the Collection,” you may be redirected to an external platform to view product details, complete a purchase, access a download or manage an order.

Purchases made through an external platform may also be subject to that platform's applicable terms, payment procedures and support processes. GMS's product-specific commitments and applicable consumer-protection obligations continue to apply. Customers may contact GMS at info@grownmansystems.com regarding product-related refund requests or delivery issues. Where appropriate, customers may also need to contact the platform through which the purchase was made.

18.Custom Payment Links and Direct Service Payments

For GMS Microtasks, GMS Business Solutions and other individually arranged services, GMS may issue a customised payment link through Razorpay, PayPal or another payment method expressly agreed with the customer.

These payment links may be used for individual tasks, service quotations, deposits, project milestones, customised deliverables or other agreed charges.

Before payment, the customer should review the applicable quotation, scope of work, amount, deliverables and any relevant cancellation or refund conditions communicated by GMS.

Payment through a customised link does not, by itself, make a service non-refundable or override applicable consumer rights. Refunds and cancellations will be assessed under this Policy, the accepted quotation or project agreement, the work completed, any applicable payment-provider procedures and applicable law.

Where a payment link relates to a multi-stage project, the relevant quotation or written agreement should specify the applicable milestone payments and cancellation arrangements wherever appropriate.

Customers may contact info@grownmansystems.com regarding a refund request or payment-related concern. GMS may coordinate with the relevant payment provider where necessary to verify or process a transaction.

19. Contact Information

For refund requests, cancellations, billing enquiries or complaints, contact:

Grown Man Systems (GMS)
Website: https://grownmansystems.com
Email: info@grownmansystems.com
Telephone: +91 9372381409 / +91 7738190982
Location: Kalamboli, Navi Mumbai, Maharashtra 410218, India.

Please include the relevant order reference and explain the issue so that we can direct your request appropriately.

Grown Man Systems (GMS)
Different Worlds. One Connected Vision.