Refund Policy

1. Overview

This Refund Policy applies to payments made for online consultation, guidance sessions and other digital services offered by Rashmi Ranjan through .

Because the services involve reserved appointment time and may include personalized preparation or digital delivery, refund eligibility depends on the circumstances described below.

2. Cancellation Before the Scheduled Session

If a cancellation request is made before the scheduled consultation and the applicable service permits cancellation, the request may be reviewed for eligibility under the terms presented at the time of booking or payment.

Any applicable refund will be processed through the original payment method or the payment provider's available refund mechanism.

3. Rescheduling

Where rescheduling is available, a participant may request a different available slot according to the booking process and availability.

Rescheduling may be preferred over cancellation where the service permits it. Availability of an alternative slot is not guaranteed.

4. Missed or Late Appointments

If a participant does not attend the scheduled online session, arrives substantially late, or is unable to participate because of circumstances within their control, the payment may not be eligible for a refund.

5. Service Already Delivered

Once a consultation or service has been substantially delivered, the payment will generally not be eligible for a refund based solely on dissatisfaction with the nature of the guidance or an individual outcome.

Individual results may vary, and no specific personal, professional, financial, health or relationship outcome is guaranteed through the service.

6. Duplicate or Incorrect Payments

If you believe that you have made a duplicate payment or that an incorrect amount has been charged, contact us with the relevant transaction details. The payment may be reviewed and, where appropriate, an eligible excess or duplicate amount may be refunded.

7. Technical Issues

If a scheduled online consultation cannot be conducted because of a technical issue on our side, we may offer a rescheduled session or another appropriate resolution.

If the issue is caused by the participant's device, internet connection, incorrect contact details or failure to access the session information, the refund request may be assessed based on the circumstances.

8. How to Request a Refund

To request a refund review, contact us using the email address below and include:

• Your name.
• The email address or phone number used during booking or payment.
• Transaction or booking reference, where available.
• The reason for the refund request.
• Any relevant supporting information.

9. Refund Processing

Approved refunds will generally be initiated through the payment method or payment provider used for the original transaction. The time taken for the amount to appear in your account may depend on the payment provider, bank or card issuer.

10. Changes to This Refund Policy

We may update this Refund Policy from time to time to reflect changes in our services, payment processes or applicable requirements. The updated policy will be published on this page with a revised date.

11. Contact for Refund Queries