Refund and Cancellation Policy

This policy explains how cancellations and refunds work for the Kulswamini Paithani Monthly Plan.

1. Cancellation Window

You may cancel your Plan at any time during the 12-month period by contacting us on WhatsApp at +91 86686 49474 or via the Contact Us page.

2. Refund Amount

3. Refund Processing Time

Approved refunds are initiated within 30 working days from the date we accept your cancellation request. Once initiated, the refund is processed by Razorpay or your bank and typically credits to your original payment method within 5–7 additional business days. Total elapsed time from request to credit can therefore be up to 5 weeks.

4. Refund Method

Refunds are issued to the original payment method. For Razorpay payments this is automatic; for manual UPI payments we issue refund via UPI to the source VPA on record. Refunds cannot be redirected to a different bank account, wallet, or card.

5. Non-Refundable Items

• Payments redeemed against store credit at our store cannot be refunded as cash; that purchase is governed by our store return policy at the time of purchase.
• Birthday / anniversary coupon redemptions are not refundable to cash.
• Processing fees retained on partial refunds are not refundable.

6. How to Request a Refund

• Send a WhatsApp message to +91 86686 49474 with subject “Refund Request” and your Customer ID (format: CUST-…).
• Briefly state your reason for cancelling. We may ask a clarifying question for our records.
• We acknowledge your request within 2 working days and confirm the refund amount in writing on WhatsApp.
• We initiate the refund within 30 working days of acknowledgement.
• You receive the credit at your original payment method within 5–7 additional business days.

7. Disputes

If you disagree with a refund decision, please reply on the same WhatsApp thread within 15 days. We will review again and reach a final decision within 30 days of your reply. Unresolved disputes may be referred to the courts at Mumbai, Maharashtra, India as set out in our Terms and Conditions.

In short: Cancel any time. Get a refund minus 5% processing fee within ~30 working days, credited to the original payment method. Same-day cancellation receives a full refund.