u/happyy_developer

I am working in a startup which is an AI edtech ,

I am working in backend and am trying to design the exam/ quiz module

Users : <5000 in initial phase

And I would really like your advises on a few points

Eg. Should I store the ongoing state of exam in redis or db or both

should I use SQL or MongoDB/Dynamo DB

And I am sure there are many points I am ignoring

So please if anyone has worked in an edtech company's or project or can help me with the same , will be really appreciated,

I couldn't find relevant production grade implementation in the internet,but if theres any resource , please share the link

So my parents in May Went to Federal Bank to start an FD ,

There while they were filling out the forms , one employee (bank Employee) told them that there is another investment plan where you will get 18% annual returns on a 5 yr plan

My parents didn't want to invest, but he persuaded them to start from small so 50k, so he said if they deposited 50k every year for 5 years , they will get 4.5 Lakh at the end of 5 th year, my parents also thought to try and signed the documents.

Now when I heard about it , I was sceptical, next day I went back to the bank , and asked for the details, the employee told that this is actually a market linked scheme where the amount will be invested in NSE 500 and over the past records a 18% annual returns has been observed, and thus the 4.5 Lakh amount but that is based on market and carry risk, additionally you get a life insurance cover as a bonus

Note : This is said as a bonus

I told the employee that you hadn't specified this to my parents , about the market link, and risk involved, he said sorry , but as my parents weren't much knowledgeable he didn't shared every detail

Now , although it's a little messy, I thought that this could be an entry point for my parents into the stock market as they trust the bank

We told the employee to proceed with the plan, and send us the investment related documents, bonds, certificates etc.

He said sure and also ensured you can review those documents and if you don't feel confident , you can cancel that within 30 days

Now here the REAL PROBLEM STARTS

We get some links for insurance and we did as he said

But for documents he kept Making some excuses , email id needs to get updated etc . After 3 weeks of asking through WhatsApp, calls and bank employee, I received a mail that the email id is updated but still no documents

Everytime I called or went into the bank , all the employees apologized for this and gave fake assurances and promises

My parents were one of the early customers of this branch and had good relations with the 1st manager.

Note : I didn't want to waste my time much , and just asked him to cancel, he asked me to send a mail to his id with ageasfederal domain, and I did as asked

I again went into the bank , for the update regarding cancellation, they said that they will send the document within tomorrow then you can review and cancel.

Now when I received the document, the maturity amount specified was 2,55,000 that means investing 2.5 Lakh , will get only 5,000

I called the employee and he said, it's not possible, no you must have read it wrong, I forwarded the mail to him , when I called him again , he gave me stupid answers so I just asked him to cancel , he said okay will raise the cancellation request

Note : throughout the process I had multiple times requested him to send me the cancellation and other related mails and keep me in loop, but everytime he tell me that this is not possible because there mails are for internal bank use only

Now since I didn't receive any updates regarding cancellation, He said that because we were sceptical about market linked plan, he switched the plan to a savings plan, IMPORTANT: I or my parents never made this request, neither were notified about this or nor was our permissions taken for this plan change

I sternly opposed this , and hearing all the commotion the bank manager came , she heard all this and accepted their fault and said you will receive a mail regarding this and your refund by 26 June , based on her assurance, we returned ; I know but my parents trusted this bank, which kept me from taking any sction

Now , on 2 July we are getting a mail that since the policy is beyond freelook period, they couldn't cancel

Please help

So my parents in May Went to Federal Bank to create an FD ,

There while they were filling out the forms , one employee (bank Employee) told them that there is another investment plan where you will get 18% annual returns on a 5 yr plan

My parents didn't want to invest, but he persuaded them to start from small so 50k, so he said if they deposited 50k every year for 5 years , they will get 4.5 Lakh at the end of 5 th year, my parents also thought to try and signed the documents.

Now when I heard about it , I was sceptical, next day I went back to the bank , and asked for the details, the employee told that this is actually a market linked scheme where the amount will be invested in NSE 500 and over the past records a 18% annual returns has been observed, and thus the 4.5 Lakh amount but that is based on market and carry risk, additionally you get a life insurance cover as a bonus

Note : This is said as a bonus

I told the employee that you hadn't specified this to my parents , about the market link, and risk involved, he said sorry , but as my parents weren't much knowledgeable he didn't shared every detail

Now , although it's a little messy, I thought that this could be an entry point for my parents into the stock market as they trust the bank

We told the employee to proceed with the plan, and send us the investment related documents, bonds, certificates etc.

He said sure and also ensured you can review those documents and if you don't feel confident , you can cancel that within 30 days

Now here the REAL PROBLEM STARTS

We get some links for insurance and we did as he said

But for documents he kept Making some excuses , email id needs to get updated etc . After 3 weeks of asking through WhatsApp, calls and bank employee, I received a mail that the email id is updated but still no documents

Everytime I called or went into the bank , all the employees apologized for this and gave fake assurances and promises

My parents were one of the early customers of this branch and had good relations with the 1st manager.

Note : I didn't want to waste my time much , and just asked him to cancel, he asked me to send a mail to his id with ageasfederal domain, and I did as asked

I again went into the bank , for the update regarding cancellation, they said that they will send the document within tomorrow then you can review and cancel.

Now when I received the document, the maturity amount specified was 2,55,000 that means investing 2.5 Lakh , will get only 5,000

I called the employee and he said, it's not possible, no you must have read it wrong, I forwarded the mail to him , when I called him again , he gave me stupid answers so I just asked him to cancel , he said okay will raise the cancellation request

Note : throughout the process I had multiple times requested him to send me the cancellation and other related mails and keep me in loop, but everytime he tell me that this is not possible because there mails are for internal bank use only

Now since I didn't receive any updates regarding cancellation, He said that because we were sceptical about market linked plan, he switched the plan to a savings plan, IMPORTANT: I or my parents never made this request, neither were notified about this or nor was our permissions taken for this plan change

I sternly opposed this , and hearing all the commotion the bank manager came , she heard all this and accepted their fault and said you will receive a mail regarding this and your refund by 26 June , based on her assurance, we returned ; I know but my parents trusted this bank, which kept me from taking any sction

Now , on 2 July we are getting a mail that since the policy is beyond freelook period, they couldn't cancel

Please help

Spent 2+ hours yesterday trying to connect to a person for closing my connection

And still no success, the shittiest customer care service