This Refund and Cancellation Policy (“Policy”) is a legally binding agreement that governs the terms and conditions for all refunds and cancellations of services offered by Multicloud4U Private Limited through its platform, 5thIR.com (hereinafter referred to as the “Platform”, “Company”, “we”, “us”, or “our”). 5thir.com , our mobile applications, and any other online products and services (collectively, the “Services”).

By making a purchase on the Platform, you (hereinafter referred to as the “Customer”, “User”, “you”, or “your”) acknowledge that you have read, understood, and agree to be bound by the terms and conditions set forth in this Policy. This Policy shall be read in conjunction with the Terms and Conditions of the Platform. All refund and cancellation requests will be evaluated in accordance with the terms of this Policy. In instances not explicitly covered herein, the Company reserves the right to make a final determination based on a fair assessment of the circumstances Terms and Conditions provided. If you do not agree with the terms of this Policy, you are advised not to use or access the Services.

The services offered through the Platform operate under a Software-as-a-Service (SaaS) model. Access to digital services, subscription-based features, and profile management tools constitutes the primary deliverable. Any NFC-enabled device, where applicable, functions solely as an access-enablement mechanism to the SaaS platform and does not constitute a standalone retail product.

Service Delivery: Access is activated instantly after payment confirmation. In rare technical cases, activation may take up to 24 hours. No auto-renewal. Renewal requires manual repurchase after expiry.

Multicloud4U Private Limited operates solely as a SaaS technology provider and does not function as a financial intermediary, wallet service, escrow agent, lending institution, or investment platform.

The Platform provides AI-enabled assessment and recruitment support tools as a technology service; any fees charged, where applicable, are solely for access to assessment or platform features and do not constitute a job placement service or guarantee of employment.

Disclaimer: All applicable fees, taxes, and charges are clearly displayed to the Customer prior to payment confirmation. The Company does not impose hidden charges.

1. PROCEDURE FOR INITIATING A REFUND REQUEST

Refund requests must be initiated exclusively through the email [email protected] where the customer shall be required to share the following mandatory details: Full Name, Registered Email, Phone Number, Course Name/Service Type, Course GUID (if applicable), Start Date, Currency, Amount Paid, and the Payment Gateway Used

2. GENERAL REFUND AND CANCELLATION RULE

A Customer shall be eligible to request a refund only within the period which is the earlier of: (i) Three (3) calendar days from the date of successful payment; or (ii) Three (3) calendar days prior to the scheduled commencement date of the procured service. This period is hereinafter referred to as the "Cooling-off Period". Any refund request submitted after the expiration of the applicable Cooling-off Period shall be summarily rejected, save and except in cases of proven manufacturing defects or non-delivery of service attributable solely to the Company

3. SERVICE-SPECIFIC REFUND AND CANCELLATION CLAUSES

The following specific terms shall supersede the General Refund and Cancellation Rule for the respective services:

3.1 Packages PACKAGE-BASED SaaS SERVICES (BRONZE, SILVER, PLATINUM, ENTERPRISE)

Professional Package, SILVER – Growth Access Package, PLATINUM – Business Access Package, and ENTERPRISE – Custom Digital Infrastructure Package are bundled Software-as-a-Service (SaaS) offerings comprising digital services, subscription-based access, configuration, onboarding support, and related platform features.

(a) Nature of Service These packages constitute digital service delivery under a SaaS model. Activation of login credentials, dashboard access, profile creation, configuration setup, onboarding assistance, or enabling of any platform feature shall constitute commencement of service delivery.

(b) Refund Eligibility – Cooling-Off Period Customers may request cancellation and refund within: • Three (3) calendar days from the date of successful payment; AND • Prior to activation of login credentials or commencement of onboarding/configuration services. Once digital access is activated or onboarding/configuration has commenced, the service shall be deemed delivered and shall become non-refundable, except where required under applicable law. (c) Enterprise Package (Custom Infrastructure) Due to the customised and resource-intensive nature of the ENTERPRISE – Custom Digital Infrastructure Package: • No refund shall be applicable once project scoping, technical consultation, architecture planning, or custom configuration work has commenced. • If cancellation is requested before commencement of work, a refund may be processed after deducting reasonable administrative or consultation charges.

(d) No Pro-Rata Refunds No partial or pro-rated refunds shall be issued for unused portions of subscription periods once services have been activated. Upon valid cancellation, access to the relevant SaaS services shall be revoked at the end of the applicable billing cycle, unless otherwise specified in writing.

(e) Refund Processing Timeline Upon approval of a valid refund request, the Company shall initiate the refund within five (5) to ten (10) working days from the date of approval through its authorised payment gateways. The refunded amount shall be credited exclusively to the original payment method used for the transaction, including the Customer’s bank account, card account, UPI-linked account, or other payment instrument through which the payment was originally made. Actual credit timelines may vary depending on the policies of the Customer’s bank, card issuer, or financial institution.

(f) No Income or Business Guarantee The Company does not guarantee any specific financial results, business growth, client acquisition, revenue generation, or professional outcomes from use of any package.

No Pro-Rata Refunds: No partial or pro-rated refunds shall be provided for cancellation requests made after the second session.

4. CONFERENCE & EVENT PARTICIPATION ACCESS

4.1 Events Organised Directly by 5thir (“Platform-Hosted Events”)

Where a conference, webinar, training session, or professional event is organised and hosted directly by 5thir, and if there any payment requried, participation payments are processed through 5thir’s authorised payment gateway partners.

Refund Policy Platform-Hosted Events

(a) Refund Window
A cancellation request must be submitted no later than twenty-four (24) hours prior to the officially scheduled start time of the event.

(b) Late Cancellations
No refund shall be issued for requests received within twenty-four (24) hours of the scheduled start time, or after the event has commenced.

(c) Processing Charges
Approved refunds may be subject to deduction of applicable payment gateway processing fees.

(d) Force Majeure
5thir shall not be liable to provide refunds where an event is cancelled, postponed, or modified due to circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, government restrictions, public health emergencies, civil disturbances, or technical disruptions beyond reasonable control.

4.2 Events Organised by Verified Third-Party Organisers

5thir provides digital event infrastructure that enables verified organisers to independently host and manage conferences and professional events.

All organisers hosting events on 5thir are required to complete identity verification (KYC) in accordance with applicable compliance requirements.

For events organised by third-party organisers:

• The organiser independently determines pricing, participation terms, cancellation policies, and refund eligibility.
• All participation payments are processed directly through the respective organiser’s independent payment provider.
• 5thir does not collect, receive, hold, settle, or distribute participation funds for third-party events.

Refund Responsibility:

All refund requests relating to third-party organiser events must be submitted directly to the respective organiser in accordance with the organiser’s published refund policy.

5thir is not responsible for approving, denying, or processing refunds for events conducted by third-party organisers.

4.3 Platform Role Clarification

5thir acts solely as a Software-as-a-Service (SaaS) provider offering digital tools for event hosting, community engagement, and professional networking.

5thir does not:

• Purchase or resell event participation access
• Act as a ticket marketplace
• Operate as a payment aggregator or escrow service
• Guarantee attendance, revenue, or business outcomes for any event

Participation in any event constitutes acceptance of the specific terms and policies published by the respective organiser.

5. REFUND PROCESSING TIMELINES

Upon approval of a refund request, the Company shall initiate and Credit the refund within five (5) to ten (10) working days through its authorised payment gateways. The refunded amount shall be credited exclusively to the original payment method used for the transaction, including the Customer’s bank account, card account, UPI-linked account, or other payment instrument. Transaction-related records may be retained for audit, taxation, dispute resolution, fraud prevention, and regulatory compliance purposes as required under applicable Indian law. In the event of duplicate or failed transactions resulting in excess payment, such excess amount shall be refunded to the original payment method within five (5) to ten (10) working days upon verification. Customers shall receive confirmation of refund approval and processing status via their registered email address.

6. LIMITATION OF LIABILITY

Multicloud4U Private Limited, its directors, employees, and affiliates shall not be held liable for any delays in the crediting of the refund amount to the Customer’s account that are attributable to the operational timelines or technical issues of payment gateways, acquiring banks, or the Customer’s own bank or financial institution. Furthermore, the Company shall not be responsible for any ancillary costs, such as currency conversion fees, international transfer charges, or any indirect, incidental, or consequential damages arising from the refund process. Users are encouraged to contact the Company at [email protected] to seek resolution of any payment-related issue prior to initiating a chargeback. Nothing in these Terms limits a User’s statutory rights to raise a dispute with their bank or card issuer.The Company reserves the right to contest chargebacks that are fraudulent, abusive, or inconsistent with the applicable Refund Policy. Repeated or abusive chargebacks may result in review, suspension, or restriction of the User’s Account, subject to applicable law. The Company does not store or process debit/credit card numbers, CVV, UPI PINs, or banking credentials. All payments are processed through RBI-authorised payment gateways.

7. GROUNDS FOR DENIAL OF REFUND

The Company reserves the unequivocal right to deny any refund request if: a. The request is found to be fraudulent, a duplicate of a previous request, or an abuse of this Policy. b. The Customer fails to provide the necessary information or documentation required for verification. c. The Customer is in breach of the Platform’s Terms of Service. d. The product is a digital good that has been accessed, downloaded, or consumed by the Customer. e. Alternative Resolutions: Where a refund is not legally mandated, the Company may, with the Customer's agreement, offer store credit or an alternative service as a gesture of goodwill. f. Where digital access has been activated, login credentials issued, or SaaS features enabled, such activation shall constitute commencement of service delivery.

8. GOVERNING LAW AND JURISDICTION

This Policy and any dispute or claim arising out of or in connection with it shall be governed by and construed in accordance with the laws of India. The Parties irrevocably agree that the competent courts located in Gurugram ,Haryana, India, shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with this Policy.

9. AMENDMENT TO THE POLICY

The Company reserves the right to modify, amend, or update this Policy at its sole discretion to reflect changes in the law or our business practices. While such changes are effective immediately upon being posted on the Platform, the "Last Updated" date shall serve as notice to the User of the current version. The Customer’s continued use of the Platform and its services following the publication of any amendments shall be deemed as express acceptance of the revised Policy. It is the responsibility of the Customer to review this Policy periodically.

10. SEVERABILITY

If any provision of this Policy is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be severed and the remaining provisions shall continue in full force and effect.

11. GRIEVANCE REDRESSAL

If you are dissatisfied with the handling of your refund request, you may contact:

Grievance Officer Name: Ganesh Sharma

Phone Number: +91 8448341325

Email: [email protected]

We are here to help. If you have any questions, please reach out via one of the following channels:

● Email: [email protected]
● Phone Number: +91 89202 22218

This Policy constitutes a legally binding agreement between the Customer and Multicloud4U Private Limited.