Refund and cancellation policy

1. Eligible refunds

Refund eligibility depends on the program, the date we receive your request and whether the program has started. Unless a course-specific page states otherwise:

• Requests received before the program start date may be eligible for a refund, less any non-refundable payment processing or transaction charges.
• Once a live cohort, workshop or recorded course access has started, the fee is generally non-refundable because access, seats, materials or instruction may already have been provided.
• Where a program includes a limited-capacity seat, we may consider the seat reserved once payment is received.
• Refunds are returned to the original payment method wherever possible. The time taken for the amount to appear can depend on the payment provider or bank.

We may review exceptional circumstances case by case. Approval of one exception does not create an entitlement to the same exception in another case.

2. Cancellations by a participant

If you need to cancel, please contact us as soon as possible using the details below. Your request should include the name used for enrollment, the program name, payment details or transaction reference and the reason for the request.

Before the program starts

We will review requests received before the scheduled start date under the refund terms for that program. If the request is approved, the eligible amount will be processed after we confirm the enrollment and payment.

After the program starts

Fees are generally not refundable after the program starts. If you cannot continue, ask us about rescheduling or transferring your place where that option is available for the program.

3. Rescheduling and transfers

We may allow an enrollment to move to another cohort or scheduled session when capacity and program format make it practical. Rescheduling is not guaranteed and may be subject to:

• Availability in a future cohort or session.
• A request made before the applicable deadline communicated by the Maattam team.
• Any difference in price between the original and new program.
• Limits on the number of times an enrollment can be moved.

Transfers to another person require prior written approval. Some program access, assessments or certificates may not be transferable.

4. If Maattam cancels or changes a program

We may postpone, change the format of or cancel a program when circumstances require it, including insufficient enrollment, instructor availability, technical issues or events beyond our reasonable control.

If we cancel a program and cannot offer a suitable replacement, we will communicate the available options, which may include moving to another cohort or receiving a refund of the eligible program fee. We are not responsible for separate travel, accommodation or other costs you may have arranged.

5. Payment processing and non-refundable charges

Payments may be processed by third-party payment providers. Depending on the transaction and the provider's rules, payment gateway fees, bank charges, currency conversion costs and other processing charges may not be recoverable.

Where an approved refund is reduced by a non-refundable charge, we will explain the deduction when confirming the refund.

6. How to request a refund or cancellation

Send your request to maattam.ai@gmail.com or use the contact form. Please include:

• Your full name and contact number.
• The program or service you enrolled in.
• The date and amount of your payment, plus the transaction reference if available.
• Whether you are asking for a cancellation, refund, rescheduling or transfer.
• Any relevant context that will help us review the request.

We will acknowledge your request and may ask for additional information before confirming the outcome. Do not send card numbers, passwords or other unnecessary sensitive payment information by email.

7. Review and processing time

We aim to review complete requests within 7 business days. If a refund is approved, we will initiate it through the original payment method or explain if another arrangement is needed.

After processing, the final crediting timeline is controlled by the payment provider and your bank. Please keep the refund confirmation until the amount appears in your account.

8. Changes to this policy

We may update this policy when our programs, payment arrangements or legal obligations change. The version published on this page applies to requests made after the "Last updated" date, unless a course-specific agreement says otherwise.

9. Contact us

If you are unsure about your options, contact us before cancelling a payment or making a new booking. We will help you understand the terms that apply to your program.