Cancellation and Refund Policy

This Cancellation and Refund Policy (“Policy”) outlines the conditions under which refunds and cancellations may be requested and granted by Sarmat (“Company”, “we”, “our”, or “us”), headquartered at Office 1001, Al Matar Business Center, Ibis Hotel, Al Rigga Road, Deira, Dubai, UAE. This policy applies to all users, students, or clients (“you” or “your”) purchasing our services, digital products, physical items, memberships, events, or online courses via our website (https://www.sarmat.ae), payment gateways, or directly through our representatives.

By initiating a purchase with us, you confirm that you have read, understood, and agreed to this Policy. This Policy is governed by and construed in accordance with the laws of the United Arab Emirates (UAE).

Refunds may be granted only under the following circumstances:

• A written refund request is submitted within the designated time frame.
• The course has not yet commenced.
• Enrollment processing has not begun.
• Services or products purchased were not delivered or activated as promised.

Refunds will not be issued under the following circumstances:

• Personal reasons.
• Visa issues or immigration-related matters.
• Dissatisfaction with course content post-commencement.
• Misunderstanding or failure to read the policy.

Refunds must be requested within 24 hours of the original payment to be eligible for a full refund. Requests made after this period may not be entertained or may be subject to additional deductions or denial.

To initiate a refund request, the user must email legal@sarmat.ae with a clear explanation of the reason for the refund, a copy of the payment receipt, and any additional documentation requested by our support team. Upon review, if the request meets our refund eligibility criteria, it will be approved and processed within 10–15 business days.

Any applicable payment gateway or website administrative fees, typically ranging between 1% and 2%, will be deducted from the total refund amount. These charges are imposed by third-party processors and are non-refundable.

Refunds will be denied under the following conditions:

• Course or service has already started.
• Enrollment processing has begun.
• Requests are made after the allowable timeframe.
• Request due to dissatisfaction arising from personal expectations not met.
• Duplicate requests or refund abuse.

Sarmat is not responsible for any visa denials or immigration-related issues. Refunds will not be issued on the basis of visa problems, delays, or refusals. It is the student’s responsibility to obtain the required permissions or visas in advance.

Refunds will not be granted due to changes in personal circumstances, including but not limited to:

• Change in work schedule
• Illness
• Family matters
• Change of mind

No refunds will be issued once the course or service has officially commenced. A course is considered commenced once access credentials are shared, materials are distributed, or any module/session begins.

Enrollment begins when documentation is reviewed and processed or course access is granted. No refund will be entertained post-enrollment initiation.

A full refund will be available within 24 hours of payment, provided none of the following actions have occurred:

• Access to course material is granted
• Enrollment processing has begun
• Service delivery has commenced

Approved refunds will be processed within 10–15 working days. Processing times may vary depending on the original payment method used and the issuing bank.

Refunds will only be made to the original method of payment. No exceptions will be made. If the original payment method is no longer available, proof of closure and official replacement details must be provided.

Where applicable, cancellation fees may be deducted from the total amount refunded. Such fees will be communicated at the time of cancellation and are dependent on the service, product, or program enrolled.

Partial refunds may be granted under exceptional cases subject to Company discretion. This applies where:

• A bundled product/service was purchased and part of it was not delivered.
• The service was not utilized beyond a minimal engagement level.
• Access to digital content was revoked within the first module.

Fees associated with course materials, whether physical or digital, are non-refundable if accessed or shipped. In the event of damaged physical course materials, replacements may be sent without additional cost subject to investigation.

If unable to proceed with a scheduled course, the user may be offered an opportunity to transfer enrollment to another batch or program without additional charge, provided such a request is made before course commencement.

This Policy is subject to modification at any time without prior notice. The updated version will be posted on our website and will supersede any previous version. It is your responsibility to periodically review this page.

For all refund-related queries or follow-ups:

• Email: legal@sarmat.ae
• Secondary Email: contact@sarmat.ae
• Phone: +971 4 229 5214
• Office: Office 1001, Al Matar Business Center, Ibis Hotel, Al Rigga Road, Deira, Dubai, UAE

This policy and all transactions are governed by the federal laws of the United Arab Emirates. Disputes shall be resolved under the jurisdiction of Dubai’s civil courts.

All users are required to acknowledge acceptance of this policy before completing any transaction. This acknowledgment is documented electronically at the time of purchase.

Sarmat shall not be held liable for refunds in cases where service delivery is impacted by factors beyond our control, including natural disasters, pandemics, or other government-imposed restrictions.

If you enrolled via a payment plan, the following applies:

• Only the first installment is refundable within 24 hours under standard terms.
• Subsequent installments are non-refundable once the course has started or service initiated.
• Failure to complete payment obligations does not entitle the user to any services or partial refunds.

Digital goods including e-books, software access, learning modules, or streaming content are non-refundable once accessed, downloaded, or delivered.

Where applicable, returns for physical goods must be made within 7 calendar days of receipt. Products must be unopened, unused, and in original packaging. Return shipping charges are the responsibility of the customer. Refunds will be issued post-inspection, minus any restocking fee.

Refunds for professional services (e.g., consultation, training, mentorship) will only be issued if the service was not initiated. Any session delivered partially or fully renders the refund void.

Monthly or annual membership fees are non-refundable once charged. Cancellation of renewal must be done prior to the next billing cycle.

Refunds for events or workshops will be granted only if cancellation is made at least 10 working days prior to the event date. No-shows or last-minute cancellations are non-refundable.

No refunds will be issued for third-party fees, platform charges, or commissions. These are outside our control and are final.

Sarmat reserves the right to amend, suspend, or terminate this Policy at any time. No prior notice is required. Users agree to these terms as a condition of service.