Refund, Cancellation & Rescheduling Policy

1. Introduction

At HRDYAM, we strive to deliver meaningful travel experiences, spiritual services, consultations, retreats, and other offerings with the highest standards of professionalism and transparency.

This Refund, Cancellation and Rescheduling Policy (“Policy”) explains the terms governing cancellations, refunds, rescheduling requests, no-shows, and payment adjustments for all products and services offered by HRDYAM.

This Policy forms an integral part of the HRDYAM Terms & Conditions and should be read together with our Privacy Policy, Disclaimer, and any service-specific terms communicated during booking.

By making a booking or purchasing any product or service from HRDYAM, you acknowledge that you have read, understood, and agreed to this Policy.

2. Scope

This Policy applies to all bookings and purchases made through HRDYAM, including but not limited to:

• Astrology consultations;
• Spiritual guidance sessions;
• Horoscope reports;
• Pujas, rituals, and religious ceremonies;
• Domestic and international travel bookings;
• Pilgrimages and spiritual journeys;
• Retreats and wellness programmes;
• Workshops, seminars, and events;
• Digital products and downloadable content;
• Physical merchandise;
• Gift vouchers and promotional offers; and
• Any additional services introduced by HRDYAM from time to time.

Certain services may be subject to additional cancellation or refund terms communicated at the time of booking. In the event of any inconsistency, such service-specific terms shall prevail to the extent of the inconsistency.

3. General Refund Principles

HRDYAM endeavours to process all bookings fairly and transparently. However, many of our services involve advance reservations, third-party commitments, venue bookings, travel arrangements, or customised preparation.

Accordingly:

• Refund eligibility depends on the nature of the service booked.
• Refunds are not automatic and shall be assessed in accordance with this Policy.
• Any applicable third-party cancellation charges, government fees, taxes, payment gateway charges, currency conversion charges, or administrative expenses may be deducted where permitted by law.
• Refunds shall be made only to the original payment method unless otherwise required by applicable law.
• Processing a refund does not constitute an admission of fault or liability by HRDYAM.

4. Cancellation by the User

Users may request cancellation by contacting HRDYAM at hello@hrdyam.com.

A cancellation request shall be considered received only when acknowledged by HRDYAM.

Refund eligibility shall be determined based on:

• the type of service booked;
• the time remaining before commencement of the service;
• commitments already made to third-party providers;
• expenses already incurred;
• applicable contractual obligations.

Failure to attend a scheduled service without prior notice may be treated as a no-show and may result in forfeiture of the applicable booking amount.

5. Cancellation by HRDYAM

HRDYAM reserves the right to cancel, postpone, modify, or discontinue any service where reasonably necessary, including due to:

• operational requirements;
• insufficient participation;
• safety concerns;
• weather conditions;
• natural disasters;
• governmental restrictions;
• travel disruptions;
• illness or unavailability of facilitators;
• technical failures;
• force majeure events; or
• circumstances beyond HRDYAM's reasonable control.

Where HRDYAM cancels a service and no suitable alternative is offered or accepted, eligible users may receive:

• a full refund;
• a partial refund;
• service credits;
• rescheduling options; or
• alternative arrangements,

depending on the circumstances and the nature of the affected service.

HRDYAM shall not be responsible for indirect or consequential losses such as personal travel expenses, accommodation booked independently, visa costs, loss of earnings, or incidental expenses unless required by applicable law.

6. Astrology Consultations and Spiritual Guidance

Consultations require dedicated appointment slots and preparation.

Accordingly:

• cancellations made more than 24 hours before the scheduled consultation may be eligible for a full refund or one complimentary rescheduling, at HRDYAM's discretion;
• cancellations made within 24 hours may be subject to cancellation charges;
• failure to attend a confirmed consultation without prior notice may be treated as a completed consultation and may not qualify for a refund.

Where a consultation cannot proceed due to technical difficulties attributable to HRDYAM, reasonable efforts shall be made to reschedule the consultation or provide an appropriate refund.

Where technical issues arise from the user's internet connection, device, software, or failure to join the consultation at the scheduled time, HRDYAM may determine refund eligibility on a case-by-case basis.

7. Horoscope Reports, Digital Readings and Personalised Services

Personalised reports, horoscope analyses, birth chart interpretations, customised remedies, and similar digital services require individual preparation.

Once preparation has commenced, such services generally become non-refundable.

Refunds may be considered only where:

• HRDYAM is unable to deliver the service;
• duplicate payments have been made;
• an evident technical or administrative error has occurred.

Minor differences in interpretation, style, language, presentation, or user expectations shall not constitute valid grounds for refund.

8. Pujas, Rituals and Religious Ceremonies

Many rituals require advance scheduling, procurement of materials, temple coordination, or engagement of priests.

Accordingly:

• cancellation requests received before procurement or commencement may be eligible for partial refunds;
• once preparations have commenced or the ritual has been scheduled with participating priests or temples, cancellation charges may apply;
• where the ritual has already been performed, completed, or substantially commenced, refunds shall generally not be available.

Where rituals cannot proceed due to circumstances beyond HRDYAM's control, reasonable efforts shall be made to reschedule the ceremony or offer an alternative arrangement.

9. Retreats, Pilgrimages and Events

Retreats, pilgrimages, workshops, and events involve advance commitments including venue reservations, accommodation, transportation, facilitator scheduling, catering, permits, and other logistical arrangements.

Unless otherwise stated for a specific programme:

• cancellation requests received well in advance of the event may qualify for partial refunds after deduction of non-recoverable costs;
• cancellation requests received close to the commencement date may attract higher cancellation charges;
• no-shows after the scheduled commencement may not be eligible for refunds.

Where another participant is permitted to take your place, HRDYAM may allow a transfer of registration subject to operational feasibility and applicable administrative charges.

10. Travel Services

Travel bookings may involve airlines, hotels, transport providers, visa agencies, insurance companies, and other independent third-party suppliers.

Refund eligibility shall therefore depend upon:

• the cancellation policies of the relevant supplier;
• contractual obligations imposed by third parties;
• government regulations;
• applicable airline fare conditions;
• hotel booking policies; and
• service-specific restrictions.

Where third-party suppliers classify bookings as non-refundable, HRDYAM may be unable to process refunds except where otherwise required by law.

Administrative charges incurred by HRDYAM in arranging travel services may also be deducted where applicable.

11. Flights, Hotels and Third-Party Travel Suppliers

HRDYAM facilitates travel arrangements through independent airlines, hotels, transport providers, destination management companies, insurance providers, visa agencies, and other third-party suppliers.

Users acknowledge that:

• Each supplier maintains its own cancellation, refund, rescheduling, baggage, check-in, and fare policies.
• Refund eligibility may depend entirely on the applicable policies of the relevant supplier.
• HRDYAM cannot override or modify the refund policies of independent third-party providers.
• Where a supplier refuses or limits a refund, HRDYAM shall not be responsible for reimbursing amounts that are not recoverable from such supplier, except where required by applicable law.

Where a supplier issues only travel credits, vouchers, or alternative bookings instead of monetary refunds, HRDYAM may pass on the same to the User.

12. Visa and Documentation Services

Visa assistance provided by HRDYAM is limited to facilitating documentation and application support.

Users acknowledge that:

• visa approval, rejection, delay, or cancellation remains solely within the discretion of the relevant embassy, consulate, or governmental authority;
• visa processing fees, embassy charges, government fees, courier charges, document authentication fees, and similar expenses are generally non-refundable once incurred;
• HRDYAM shall not be responsible for losses arising from visa refusals, processing delays, incomplete documentation submitted by the User, or changes in immigration policies.

Refunds, if any, shall only relate to the service fee charged by HRDYAM and only where the service has not substantially commenced.

13. Digital Products

Digital products include, but are not limited to:

• downloadable reports;
• astrology charts;
• e-books;
• recorded workshops;
• online courses;
• digital guides;
• templates;
• audio or video content.

Due to the nature of digital products, all sales are generally final.

Once a digital product has been delivered, downloaded, accessed, or made available to the User, refunds shall ordinarily not be provided except where:

• duplicate payments have occurred;
• HRDYAM is unable to provide access due to reasons solely attributable to HRDYAM;
• applicable consumer protection laws require otherwise.

14. Physical Merchandise

Refunds or replacements for physical products may be considered where:

• the incorrect item has been delivered;
• the product arrives damaged due to shipping;
• the product contains a manufacturing defect;
• the product is materially different from the confirmed order.

To request a replacement or refund, Users may be required to provide:

• photographs of the product;
• proof of purchase;
• order details; and
• any additional information reasonably requested by HRDYAM.

Requests should generally be submitted within 7 days of delivery unless a different period is specified for a particular product.

Products that have been used, altered, damaged after delivery, or returned without original packaging may not qualify for a refund or replacement unless required by applicable law.

15. Rescheduling Requests

Where operationally feasible, HRDYAM may permit Users to reschedule consultations, retreats, events, or other services.

Approval of rescheduling requests shall depend upon:

• service availability;
• facilitator availability;
• venue availability;
• commitments already made to third parties; and
• the notice period provided by the User.

HRDYAM reserves the right to charge reasonable administrative or rescheduling fees where applicable.

Repeated requests for rescheduling may be declined.

16. No-Show Policy

A “No-Show” occurs where a User fails to attend or utilise a booked service without prior notice or fails to join the scheduled consultation, event, retreat, or travel arrangement within the applicable reporting time.

Unless otherwise communicated for a specific service:

• no-shows may be treated as completed services;
• refunds shall generally not be available; and
• rescheduling may be permitted only in exceptional circumstances at HRDYAM's sole discretion.

17. Duplicate Payments and Failed Transactions

Where a User is charged more than once for the same booking due to a technical or payment processing error, HRDYAM shall make reasonable efforts to verify the duplicate payment and process the eligible refund.

If a payment fails but funds are debited from the User's account, the refund timeline may depend upon the payment gateway, issuing bank, card network, or financial institution.

HRDYAM shall reasonably assist Users in resolving such issues but shall not be responsible for delays caused by banks or payment service providers.

18. Promotional Offers, Coupons and Gift Cards

Refunds relating to bookings made using promotional discounts, coupons, vouchers, loyalty rewards, referral benefits, or gift cards shall be subject to the terms governing the respective promotion.

Unless otherwise stated:

• promotional discounts shall not be refunded in cash;
• expired promotional credits shall not be reinstated;
• promotional offers may not be transferable;
• misuse of promotional schemes may result in cancellation of benefits and suspension of the User's account.

19. Chargebacks

Users agree to first contact HRDYAM at hello@hrdyam.com to resolve any payment-related concern before initiating a chargeback through their bank or payment provider.

Where a chargeback is initiated fraudulently or without valid grounds, HRDYAM reserves the right to:

• dispute the chargeback;
• suspend the User's account;
• recover outstanding amounts;
• cancel pending bookings; and
• pursue any remedies available under applicable law.

20. Refund Processing

Where a refund is approved, HRDYAM shall endeavour to initiate the refund within 7 to 15 business days, unless a different timeline is required due to the nature of the service or third-party processing requirements.

The actual credit of funds may vary depending on:

• the payment method used;
• banking procedures;
• payment gateway timelines;
• regulatory requirements; and
• the User's financial institution.

HRDYAM shall not be responsible for delays attributable to payment gateways, banks, card issuers, or other financial intermediaries.

21. Circumstances Where Refunds May Be Declined

Without prejudice to any other provision of this Policy, refund requests may be declined where:

• false or misleading information has been provided;
• the service has already been completed;
• the cancellation request falls outside the applicable time period;
• the User has violated HRDYAM's Terms and Conditions;
• the booking was obtained through fraudulent means;
• non-refundable third-party expenses have already been incurred; or
• the refund request is otherwise inconsistent with this Policy or applicable law.

22. Force Majeure

HRDYAM shall not be liable for delays, cancellations, interruptions, or failures to provide services resulting from events beyond its reasonable control, including but not limited to:

• natural disasters;
• floods;
• earthquakes;
• epidemics or pandemics;
• governmental restrictions;
• civil unrest;
• war;
• terrorism;
• transportation disruptions;
• labour strikes;
• internet failures;
• cyber incidents;
• power outages; or
• other force majeure events.

In such circumstances, HRDYAM may, at its discretion and subject to operational feasibility, offer:

• alternative arrangements;
• rescheduling;
• travel credits;
• partial refunds; or
• any other reasonable solution.

23. Limitation of Liability

To the fullest extent permitted by applicable law, HRDYAM shall not be liable for any indirect, incidental, consequential, punitive, or special damages arising from cancellations, delays, third-party defaults, refund processing delays beyond its reasonable control, or circumstances covered under this Policy.

Nothing contained herein shall exclude liability where such exclusion is prohibited by applicable law.

24. Amendments to this Policy

HRDYAM reserves the right to amend, revise, or update this Policy from time to time to reflect operational changes, legal requirements, or improvements in business practices.

The revised Policy shall become effective upon publication on the Platform unless otherwise stated.

Continued use of HRDYAM's Services after such publication constitutes acceptance of the revised Policy.

25. Governing Law and Jurisdiction

This Policy shall be governed by and construed in accordance with the laws of India.

Subject to applicable law, any disputes arising from or relating to this Policy shall be subject to the exclusive jurisdiction of the courts having jurisdiction over HRDYAM's principal place of business.

26. Contact Us

For cancellation requests, refund-related queries, or any concerns regarding this Policy, please contact:

HRDYAM will make reasonable efforts to acknowledge and respond to refund-related requests within a reasonable time and in accordance with applicable law.