This policy explains when a payment to this practice can be cancelled and refunded, and how long a refund takes. It forms part of the Terms & Conditions.
Fees are quoted and collected in Indian Rupees (INR). Payments are processed by Razorpay.
The short version
- The Business Clarity Call is free. There is nothing to refund and nothing to cancel beyond letting us know.
- Anything you have paid for is refundable in full if you cancel before the service begins, within the windows below.
- Once a service has been delivered — a seminar attended, a sitting held, an advisory day completed — that part is not refundable.
- We would rather refund a fee than keep money from someone the work is not right for. If you think this policy has produced an unfair result in your case, write to us and say so.
Business Clarity Call
Free of charge. If you cannot make the time you booked, please cancel or reschedule through the link in your confirmation email so the slot goes to someone else.
Open seminars
Where a seminar carries a fee:
| When you cancel | Refund |
|---|---|
| More than 7 days before the seminar | 100% |
| 3 to 7 days before | 50% |
| Less than 3 days before, or non-attendance | No refund |
If we cancel or postpone a seminar, you receive a full refund or a transfer to the next date, whichever you prefer.
Baithak (peer-advisory group)
Baithak is a commitment for a full term, because the group only works if the same people keep showing up. The terms below reflect that.
Before the group starts
- Cancel more than 14 days before the first sitting: full refund.
- Cancel within 14 days of the first sitting: refund of the fee less a 10% administration charge, because the seat was held and another owner was turned away.
After the group has started
- Within 7 days of the first sitting you attend, if you decide the group is not right for you: refund of the balance of the term, pro-rated, less the value of sittings already held.
- After that first window: fees for the current term are not refundable. You may stop attending at any time and will not be billed for a subsequent term.
If we cancel
If a group is cancelled, does not reach the minimum number of members, or is discontinued by us, all fees for sittings not yet held are refunded in full.
Transfers. A membership is personal and cannot be transferred to another person or another business without our written agreement.
One-to-one advisory
- Cancel more than 7 days before the first scheduled day: full refund.
- Cancel within 7 days of the first scheduled day: refund less a 25% charge, since the day is blocked and cannot be reassigned at short notice.
- After work has begun: fees for sessions already delivered are not refundable. Fees paid in advance for sessions not yet delivered are refunded in full.
- Rescheduling a session with at least 48 hours’ notice carries no charge. Twice-rescheduled or missed sessions are treated as delivered.
No refund for outcome
Fees pay for time, counsel and attention. They do not buy a business result, and a refund cannot be claimed on the grounds that a suggested course of action did not produce the outcome you hoped for. Decisions about your business remain yours; see the Terms & Conditions.
How to request a refund
Write to us using the email address or WhatsApp number in the footer of this site, with:
- Your name and the phone number used at booking.
- The service, the date, and the Razorpay payment reference.
- The reason for the request.
We acknowledge every request within 3 working days and confirm the decision within 7 working days.
How a refund is paid
Approved refunds are returned through Razorpay to the same payment method used for the original payment. No refund is paid in cash or to a different account.
Once we initiate the refund, the money typically reaches you in 5 to 10 working days, depending on your bank or card issuer. Any transaction fee already deducted by the payment gateway may be retained where the gateway does not return it to us; where that applies, it is stated in the refund confirmation.
Goods and Services Tax, where it was charged, is refunded in proportion to the amount refunded.
Grievances
If a refund has not reached you within the period stated above, or you disagree with a decision, write to us directly. Contact details are in the footer of every page. We take these seriously and will respond.