THIS POLICY APPLIES EXCLUSIVELY TO CONFIRMED BOOKINGS MADE THROUGH THE OFFICIAL PLATFORM BOOKING PROCESS AND PAID THROUGH THE OFFICIAL PAYMENT GATEWAY. BOOKINGS AND PAYMENTS MADE THROUGH ANY OTHER CHANNEL ARE ENTIRELY OUTSIDE THIS POLICY AND NO REFUND CLAIMS WILL BE ENTERTAINED.

1. Scope — Valid Booking Requirement

A Booking is eligible under this Policy ONLY if all four conditions are met simultaneously: (1) Completed through the official Platform booking form at www.atozpandit.com; (2) Full payment received through the official gateway; (3) Written confirmation issued by the Company; and (4) Complete and accurate service details submitted. A request, verbal confirmation, or WhatsApp message does not constitute a valid Booking.

This Policy covers: Pooja & Pandit Bookings (offline & online/E-Puja); Astro Chat Services; Astro Call Services; Digital Astrological Reports; and Sales of gemstones, yantras, and physical items.

2. Cancellation & Refund — Pooja & Pandit Bookings

All cancellation requests must be submitted exclusively by email to support@atozpandit.com with the Booking ID, registered mobile number, and full booking details. Requests through any other channel will not be processed.

Cancellation Window	Deduction	Net Refund	Basis of Deduction
More than 48 hrs before booking	15%	85% of Booking Amount	Admin + Banking/Gateway Charges
24 – 48 hrs before booking	25%	75% of Booking Amount	Admin + Banking + Pandit Commitment Charges
Less than 24 hrs / No-show	100% Forfeited	NIL — ZERO REFUND	Pandit committed and deployed — No recovery possible

CANCELLATION LESS THAN 24 HOURS BEFORE THE SCHEDULED DATE AND TIME — FOR ANY REASON WHATSOEVER INCLUDING PERSONAL EMERGENCY, ILLNESS, CHANGE OF MIND, OR ANY OTHER CAUSE — SHALL RESULT IN COMPLETE AND IRRECOVERABLE FORFEITURE OF THE FULL BOOKING AMOUNT. NO EXCEPTIONS SHALL BE MADE.

Deduction Rationale

15% (>48 hrs): Covers non-recoverable payment gateway fees and administrative booking processing costs.

25% (24–48 hrs): Covers gateway fees, admin costs, and Pandit booking/coordination charges — the Pandit has been committed and preparation has commenced. Cancellation at this stage causes direct, irrecoverable costs.

100% Forfeiture (<24 hrs / No-show): The Pandit has been fully confirmed and may have commenced travel or preparation. Service is deemed committed and no recovery is possible.

3. Astro Chat & Astro Call — Absolute No-Refund Policy

ONCE PAYMENT IS MADE FOR ANY ASTRO CHAT OR ASTRO CALL SERVICE, THE PAYMENT IS FINAL, ABSOLUTE, NON-REFUNDABLE, AND NON-TRANSFERABLE UNDER ANY CIRCUMSTANCES — INCLUDING: USER DISCONNECTION; DISSATISFACTION WITH ADVICE; TECHNICAL ISSUES ON THE USER'S END; ACCIDENTAL PURCHASE; SESSION DURATION DISPUTES; OR ANY OTHER REASON OF ANY NATURE.

Astrologer time and expertise is consumed in real time from the moment a session begins. Guidance is subjective and faith-based — no objective refund standard can apply. Specific no-refund situations include: voluntary user disconnection; dissatisfaction with predictions; User-side technical/connectivity issues; battery failure or call drops on User's device; and accidental session initiation.

Platform-Side Disruption: If a session is disrupted due to a verified Platform-side technical failure, the Company may at its sole discretion offer a service credit (not cash refund) for the affected portion only. This is a discretionary goodwill gesture, not a legal right.

Prepaid Credits/Wallet: Non-refundable in cash. Credits may be used for future Platform sessions. Upon account termination for Terms violation, unused credits are forfeited with no refund.

4. Digital Reports — Non-Refundable Once Delivered

ALL DIGITAL DELIVERABLES — KUNDLI REPORTS, BIRTH CHART ANALYSIS, MUHURAT REPORTS, COMPATIBILITY REPORTS, CAREER/FINANCE REPORTS, AND ALL OTHER WRITTEN OR DIGITAL OUTPUTS — ARE STRICTLY AND ABSOLUTELY NON-REFUNDABLE ONCE DELIVERED TO THE USER'S REGISTERED EMAIL OR MADE AVAILABLE FOR DOWNLOAD.

No refund shall be issued for: dissatisfaction with content, predictions, or recommendations; User-provided incorrect birth details; delivery timeline delays (unless caused entirely by the Platform); or a change in the User's mind after report delivery.

If a report is not delivered within a reasonable period beyond the stated timeline due to Platform-side reasons, the User may contact support@atozpandit.com and the Company shall either deliver the report or process a full Booking Amount refund.

5. Gemstone, Yantra & Physical Items

General Rule: Personalised, energised, or custom-made items — including sized rings, name-customised yantras, or specially energised items — are non-returnable and non-refundable under any circumstances.

12-Hour Inspection Window — Strict and Non-Extendable: Upon delivery of any gemstone, yantra, or physical item, the User must inspect the item immediately and report any defect, damage, or discrepancy within 12 hours of delivery only. Any complaint, query, or refund request raised after 12 hours of delivery shall not be entertained, processed, or acknowledged by the Company under any circumstances. No exceptions shall be made irrespective of any reason provided.

Refund — Sole Discretion of the Company: If a valid complaint is received within the 12-hour window with clear photographic or video evidence, the Company shall — at its sole and absolute discretion — decide whether to process a refund and the extent of such refund. The Company may choose to process a full refund, a partial refund, or no refund, depending on its internal assessment of the claim. Where a refund is approved, the amount shall be subject to deduction of applicable administrative charges, payment gateway and processing fees, and delivery/logistics charges incurred by the Company. The net refund amount after such deductions shall be transferred to the original payment source. The Company's decision on any refund claim for physical items is final, binding, and not subject to appeal or dispute.

No Refund For: Change of mind; belief that the item is not producing the expected spiritual result; change in Astrologer's recommendation after purchase; reports raised after 12 hours of delivery; items that have been used, worn, activated, installed, or tampered with after delivery. The Company will not entertain any complaints, queries, or requests of any nature regarding physical item refunds outside the 12-hour window.

6. Service Provider Unavailability & Force Majeure

Primary Action — Rescheduling: If the confirmed Service Provider cannot attend, the Company will first arrange an alternate qualified Pandit/Astrologer and schedule at the next available auspicious Muhurat on the same day or earliest mutually agreeable time.

Full Refund — Only if No Alternative Available: If the Company cannot arrange any replacement and cannot reschedule, a full refund of the Booking Amount is processed to the original payment source. Refund Processed in 15 Minutes — Once Our Team Approves.

THE FULL REFUND IN SUCH CASES IS THE USER'S SOLE AND EXCLUSIVE REMEDY. NO ADDITIONAL COMPENSATION — INCLUDING TRAVEL, DECORATION, CATERING, INCONVENIENCE, MENTAL DISTRESS, OR ANY OTHER AMOUNT — IS PAYABLE BY THE COMPANY.

Force Majeure: If service cannot be performed due to natural disaster, government restriction, pandemic, or any event beyond the Company's control, the Company shall offer either a full Booking Amount refund or rescheduling at its discretion. No further compensation is payable.

User Non-Responsiveness: If the User fails to respond to the Company's pre-event communications by close of business on the day before the booking, the Company may cancel the booking and retain the full Booking Amount as a non-refundable coordination fee.

7. Refund Processing — Standard Terms

Mode: All refunds credited exclusively to the original payment source (card/UPI/net banking/wallet). No cash refunds.

Refund Processed in 15 Minutes — Once Our Team Approves.

Notification: User will be notified at their registered email and/or mobile upon refund initiation.

Verification: No refund is processed until the Company completes internal verification of cancellation eligibility.

8. Non-Refundable Situations — Complete List

No refund shall be issued for: unofficial bookings; unofficial payments to Service Providers; Astro Chat/Call (any circumstance once paid); delivered digital reports; services fully performed; User no-show or sub-24-hour cancellation; User non-responsiveness to pre-event communications; spiritual dissatisfaction; personalised/energised physical items; incorrect User-provided information affecting service; pooja time overrun attributable to User; failure to arrange Fresh Items; extra duration charges once paid; account termination for Terms violation; or any change of mind after booking confirmation.

FOR CERTAINTY: ANY BOOKING OR PAYMENT MADE OUTSIDE THE OFFICIAL PLATFORM PROCESS IS NOT COVERED BY THIS POLICY. THE COMPANY WILL NOT ENTERTAIN ANY REFUND CLAIM OR DISPUTE IN RESPECT OF SUCH UNOFFICIAL ARRANGEMENTS.

9. Contact & Jurisdiction

Refund queries: support@atozpandit.com | Formal complaints: legal@atozpandit.com

Web Tadka Technologies | 702/703, Bevy Coworking, Iris Shopping, Hiranandani Meadows, Ghodbunder Road, Thane West – 400607, Maharashtra, India

Website: www.atozpandit.com

All refund disputes are subject to the exclusive jurisdiction of the courts in Thane, Maharashtra, India and to the dispute resolution provisions in the Platform's Terms and Conditions.

REFUND & CANCELLATION POLICY