REFUND & CANCELLATION POLICY

Document version: v1.1 Effective date: 2026-05-01 Last updated: 2026-09-17

This Refund & Cancellation Policy forms part of the Terms and Conditions of Pitambhara Educom Consultancy Pvt Ltd (the "Company", "we"), operator of HealersMeet / Mission Niramaya / InnerZen / the Decode Life Transformation (DLT) program. It is published in compliance with the Consumer Protection (E-Commerce) Rules, 2020.

All course fees are paid for access to digital educational services. Because course content is delivered electronically and instruction may begin immediately, refund rights are limited as set out below.

Sections 1 to 8 are about courses and programmes. The mobile app also sells three other things — an app subscription, top-ups of individual features, and physical items posted to you — and those have their own terms in Section 5A, 5B and 5C. If what you bought was bought inside the app, read those first.

1. COOLING-OFF PERIOD — FULL REFUND

You may cancel your enrollment and receive a full refund of the course fee if all of the following are true:

a) You request the cancellation within 7 calendar days of the date of enrollment; b) You have accessed no more than 15% of the course content (as measured automatically by the LMS); c) You have not attended a live 1-on-1 session with the instructor; d) You have not downloaded the complete set of course resources.

The GST component is refunded together with the fee, subject to our ability to reverse the GST credit.

2. AFTER THE COOLING-OFF PERIOD

After the 7-day cooling-off period, or after 15% of content has been consumed, refunds are not available except at our sole discretion and only in the following exceptional circumstances:

a) Documented medical emergency affecting the Student (hospital record or registered medical practitioner's certificate required); b) Bereavement of the Student's immediate family member; c) Sustained platform failure attributable to us that is not resolved within 7 days and deprives you of meaningful access to the course; d) Course cancellation or material change by us, in which case we will offer a transfer, credit, or pro-rata refund as appropriate.

Requests under this Section must be submitted within 30 days of the event, with supporting documents.

3. LIVE WORKSHOPS, RETREATS, IN-PERSON EVENTS

3.1. Seats are limited and we incur non-recoverable costs once registrations open. Accordingly:

• > 30 days before start: 90% refund
• 15–30 days before start: 50% refund, or free transfer to the next cohort (whichever you prefer)
• < 15 days before start: no refund; one-time transfer to the next cohort may be permitted at our discretion
• After the event starts: no refund, no transfer.

3.2. If we cancel or materially reschedule a workshop or retreat, you may choose between a full refund or transfer to a future edition.

4. CERTIFICATION, EXAM, AND PRACTICUM FEES

Fees paid for certification processing, practical examinations, university partner fees, printing, and certificate issuance are non-refundable once the examiner has been engaged or the certificate has been processed with the partner institution.

5. INSTALLMENT PLANS

5.1. If you have opted for an installment plan:

• You remain liable for all scheduled installments for as long as your access is not formally cancelled in writing by us;
• Skipping an installment does not cancel your enrollment; it triggers a 7-day cure period followed by suspension of access;
• Refund, if approved, is calculated only on the amount actually paid, minus the pro-rata value of content consumed.

5A. MOBILE APP SUBSCRIPTIONS

5A.1. An app subscription is billed for a stated period and gives access to the features listed for that plan at the time you bought it.

5A.2. Cancel any time, and it runs to the end of the period you paid for. Cancelling stops the next renewal; it does not end the period you are in, and no pro-rata refund is due for the unused part of it.

5A.3. First subscription, within 7 days. If this is your first paid period on a plan, you may ask for a full refund within 7 calendar days provided you have used no more than 10% of any quota the plan carries. We count from our own usage records.

5A.4. Renewals are not covered by 5A.3. A renewal is not a first purchase. If a renewal took you by surprise, write to us within 7 days of the charge and we will look at it — but it is a discretion, not a right.

5A.5. If we withdraw a feature you were paying for, mid-period, you get a pro-rata refund of the remaining period or a credit of equal value, your choice.

5B. FEATURE TOP-UPS (EXTRA READINGS, SESSIONS OR CREDITS)

5B.1. A top-up is a quantity of something — readings, entries, minutes — added to your account immediately on payment.

5B.2. Unused top-ups are refundable within 7 days of purchase, in full, less any part already consumed. Consumption is counted per use and shown in the app.

5B.3. A top-up already used is not refundable, because what it bought — a generated reading, an answer — was delivered when you asked for it and cannot be returned.

5B.4. Top-ups do not expire while your account is open, and they are not transferable to another person.

5C. PHYSICAL ITEMS POSTED TO YOU

This section is published under the Consumer Protection (E-Commerce) Rules, 2020, which require a seller to state its return terms for goods.

5C.1. Cancel before dispatch and you get a full refund, no reason needed. Write to support@healersmeet.com with the order ID.

5C.2. After delivery, you have 7 days to ask to return an item, provided it is unused, undamaged, and in its original packaging. Tell us within 7 days of delivery; send it back within 14 days of our reply.

5C.3. Who pays the postage.

5C.4. Tell us about damage within 48 hours of delivery, with photographs of the item and the packaging. This is not us being difficult: a courier claim has its own deadline and we cannot make it for you afterwards.

5C.5. Not returnable: anything made or engraved to your order, and anything sold as a single sealed consumable once the seal is broken.

5C.6. Nothing sold here is a medical device or a treatment, and no item is sold as a cure for any condition. An item that did not produce an effect you hoped for is not, for that reason, faulty — but see 5C.2, which lets you change your mind regardless.

5C.7. Refund is paid to the original payment method within the timelines in Section 8, counted from the day the returned item reaches us and is checked.

6. NO PARTIAL / PRO-RATA REFUNDS

Except as expressly set out above, no pro-rata refund is available for partial completion of a course. Sections 5A, 5B and 5C are express exceptions and stand on their own.

7. REFUND REQUESTS — HOW TO SUBMIT

Send an email to support@healersmeet.com with:

a) Subject line: REFUND REQUEST — (your Order ID) b) Your full registered name and registered email; c) Order / Transaction ID; d) Course name and cohort — or, for an app purchase, the plan, top-up or item and the date; e) Reason for the refund request, with any supporting documents (medical certificate, etc.); f) Your preferred refund destination (usually the original payment method).

8. PROCESSING TIMELINES

8.1. We will acknowledge your request within 3 working days.

8.2. We will decide your request within 7 working days of receiving all required information.

8.3. Approved refunds are processed within 10–15 working days to the original payment method. Bank/UPI/card processing times may add 3–10 additional working days depending on your payment provider.

8.4. Payment-gateway charges, foreign-exchange conversion losses, and statutory levies that are not reversible by the gateway will be deducted from the refund.

9. CHARGEBACKS

Initiating a chargeback or payment reversal through your card issuer, bank, or UPI provider before completing the refund process above is considered a breach of these Terms. If you do so, we may:

• suspend your access immediately;
• dispute the chargeback with evidence;
• blacklist your account from future enrollments;
• pursue recovery of any amount wrongly clawed back.

Please use our refund process first.

10. GRIEVANCE ESCALATION

If you are dissatisfied with a refund decision, you may escalate to our Grievance Officer (see Terms and Conditions, Section 17). The Grievance Officer will acknowledge within 24 hours and provide a final decision within 15 days.

Nothing in this Policy limits your rights as a "consumer" under the Consumer Protection Act, 2019, including your right to approach the appropriate consumer commission.

11. CONTACT

Pitambhara Educom Consultancy Pvt Ltd Email: support@healersmeet.com Grievance Officer: Manoj Jain ("Manudada"), grievance@healersmeet.com, +91 99814 45177