International Conference on Economic Literacy and Financial Inclusion

➤ To attend an EFSTM event, participants must complete the registration process within the stipulated time.

➤ If cancellation occurs between 60 and 30 days before the event, partial refunds may be granted based on administrative costs incurred.

➤ The event schedule, venue, and format are subject to changes at the discretion of the organizers, with prior notice sent via email.

➤ EFSTM is not liable for any financial losses resulting from changes in event details.

➤ Fees paid for registration are strictly non-refundable.

➤ If the primary author cannot participate, a co-author may attend instead, but refunds will not be granted for non-attendance.

➤ Registrations with concessions are not refundable.

➤ Registrants must contact the team for updates after registration. Failure to do so may invalidate registration.

➤ Failure to respond to communications within 15 days or submit the registration form within 7 days will invalidate registration.

➤ Researchers submitting papers to EFSTM must ensure their institution or supervisor is aware of their submission.

➤ Each submission is subject to a rigorous peer review before being accepted for presentation.

➤ Only papers linked to a completed registration will be included in conference proceedings.

➤ The submitting author is considered the primary author; EFSTM does not verify individual authorship claims.

➤ If any concerns regarding authorship arise and are validated, the paper will be withdrawn without reconsideration.

➤ Once a paper is removed, it cannot be reintroduced into any EFSTM publication.

➤ All Authors and Co-authors must inform their respective Dept. Head/Principal/Guide about the paper submission.

➤ All papers will undergo review by two internal or external reviewers.

➤ Only registered papers will be published.

➤ Suspended papers will not be republished or distributed.

➤ Attendees are responsible for making their own travel and lodging arrangements.

➤ EFSTM does not provide logistical assistance for travel or accommodation.

➤ The organization bears no responsibility for expenses incurred due to conference modifications or rescheduling.

➤ No refunds will be provided due to travel or accommodation unavailability.

➤ Registration fees do not include travel or accommodation.

➤ EFSTM does not engage directly with consulates or embassies on behalf of attendees.

➤ Participants must handle their own visa applications and processes.

➤ The invitation letter is provided solely for conference attendance and does not serve as a document for immigration, employment, or residency purposes.

➤ The letter assists in visa applications but does not guarantee visa approval.

➤ EFSTM for visa denials or processing delays, and all related costs are borne by the applicant.

➤ Any alterations or unauthorized use of the invitation letter will result in its invalidation and possible cancellation of conference participation.

➤ Legal action may be pursued if the document is misused.

➤ By accepting the invitation letter, attendees agree to comply with international travel regulations and ethical participation standards.

➤ If the delegate receives the conference invitation letter but cannot attend the conference, no refund will be provided.

➤ Registrations made near or after the registration deadline will be considered for virtual participation, with eligibility for a future conference.

➤ Registrations may be transferred to another individual from the same institution if the original participant cannot attend.

➤ Transfer requests must be made via email to [email protected] with necessary details and supporting documents.

➤ Transfers must be requested at least 14 days before the event; otherwise, they will not be accommodated.

➤ Transferred registrations are not eligible for refunds.

➤ If the invitation letter is received, transfer must be completed within 7 days or 20 days prior to the conference.

➤ If there is a change in the conference, the registrant must inform the team at least 25 days prior to the conference date.

➤ Fully paid registrations are transferable to others from the same organization.

➤ Registration can be transferred to another conference within one year.

➤ Any modifications or cancellations must be communicated in writing to [email protected]

➤ Registration confirms acknowledgment and acceptance of these policies.

➤ EFSTM does not initiate automatic transactions; all payments are voluntarily completed by registrants.

➤ Once registered, participants must submit a conference registration form within three days for confirmation.

➤ Travel plans should only be finalized after receiving the official conference itinerary, which will be shared 15 days before the event.

➤ To facilitate a diverse and coherent programme, the Organiser may integrate related research subjects across disciplines into interdisciplinary or multidisciplinary sessions focused on wider learning, academic discussion, and research networking.