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    <h1>Return & Refund Policy – TGT PGT EXAM</h1>
    <p>This Return & Refund Policy outlines the conditions under which <strong>TGT PGT EXAM</strong> processes returns and refunds for its services and products sold through <a href="https://tgtpgtexams.com" target="_blank">https://tgtpgtexams.com</a> and its official mobile application.</p>
    <p>By purchasing or accessing our services, you agree to the terms stated in this policy.</p>

    <h2>1. General Terms</h2>
    <ul>
      <li>TGT PGT EXAM offers digital products including online test series, study materials, eBooks, and video courses.</li>
      <li>Due to the nature of digital content, <strong>all purchases made on our platform are non-returnable and non-refundable</strong> unless explicitly stated otherwise.</li>
    </ul>

    <h2>2. No Refunds on Digital Products</h2>
    <ul>
      <li>Once the content (such as test series or eBooks) is accessed or downloaded, it is deemed consumed.</li>
      <li>We do not offer refunds for accidental purchases, change of mind, or failure to access services due to user-end issues (e.g., internet problems, device incompatibility).</li>
    </ul>

    <h2>3. Exceptions</h2>
    <p>Refunds will only be considered under the following circumstances:</p>
    <ul>
      <li><strong>Duplicate Payment:</strong> If you are charged more than once for the same service.</li>
      <li><strong>Non-delivery of Product:</strong> If the purchased service is not activated within 72 hours.</li>
      <li><strong>Technical Errors:</strong> If there is a major technical issue from our end and we are unable to provide a resolution within 7 working days.</li>
    </ul>
    <p><strong>To request a refund under these exceptions, you must contact us within 7 days of the transaction.</strong></p>

    <h2>4. How to Request a Refund</h2>
    <p>To request a refund, please email us at <a href="mailto:tgtpgtexam@gmail.com">tgtpgtexam@gmail.com</a> with the following details:</p>
    <ul>
      <li>Full Name</li>
      <li>Registered Email ID</li>
      <li>Payment ID / Transaction Reference</li>
      <li>Reason for refund request</li>
      <li>Screenshot of payment confirmation (if applicable)</li>
    </ul>
    <p>Our team will review your request and respond within <strong>3–5 business days</strong>. Approved refunds will be processed via the original payment method within <strong>7–10 business days</strong>.</p>

    <h2>5. Contact Us</h2>
    <ul>
      <li>📧 Email: <a href="mailto:tgtpgtexam@gmail.com">tgtpgtexam@gmail.com</a></li>
      <li>🌐 Website: <a href="https://tgtpgtexams.com" target="_blank">https://tgtpgtexams.com</a></li>
     <li>📞 Phone: 8381854641</li>

     <li>🏢 Address: 615, Mawaiya, TSL, Naaini,Prayagraj</li>

    </ul>

    <h2>6. Policy Updates</h2>
    <p>TGT PGT EXAM reserves the right to change or update this Return & Refund Policy at any time. Updates will be posted on this page.</p>

    <p><strong>Last updated:</strong> [Insert Date]</p>
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