Refund & Cancellation Policy

We want every Karmgyan user to walk away with clarity and value. This policy explains when a session can be moved, when a refund applies, and how to ask for one.

1. Consultations (Chat / Call / Video)

A booked consultation is not cancellable for a refund. When you book, an astrologer sets that time aside for you and prepares your chart before you arrive — that work is done whether or not the session happens. So if you cannot make your session, we move it rather than refund it.

This is the part people are usually surprised by, so we would rather you read it here than discover it later: choosing not to attend does not return your money. Rescheduling is what we offer instead, and it is free.

• You cannot make your session — reschedule it, free, up to 4 hours before the start time. Your payment carries over; there is no new charge.
• There is no fixed limit on rescheduling. Life gets difficult sometimes, and moving your session is free — we would rather you sat down with your astrologer at a time that actually suits you. If you need to move it repeatedly, we may reach out to talk it through with you. And if none of the offered times work, write to us — we will not leave you stuck with a session you cannot use.
• No-show by you — no refund. The session is treated as delivered.
• The astrologer cancels, does not attend, or is no longer available — full refund.
• Session interrupted by a Platform technical failure (verified) — full refund, or a rebooking at no additional charge if you prefer.

2. Digital Reports

Personalised digital reports — kundli, matching, varshaphal, panchang printouts — are generated on demand based on the inputs you provide. Once generated and delivered, these are non-refundable, similar to other digital goods.

• Refund available if the report fails to generate due to a Platform error and we cannot regenerate it within 7 days.
• Refund not available for incorrect inputs you supplied (wrong birth date, time or place). We will, on a one-time goodwill basis, regenerate the report once with corrected inputs at no extra charge if you raise the request within 24 hours of delivery.

3. Subscriptions

• Cancel anytime from your account settings. Cancellation takes effect at the end of the current billing period.
• We do not pro-rate or refund unused days of an active subscription period.
• Auto-renewal can be turned off in account settings; we send a renewal reminder 3 days before each renewal date.

4. Refund Method and Timing

• Refunds are issued to the original payment method.
• Processing time: 5–10 business days for UPI and cards, 7–14 business days for net-banking and cross-border cards.
• If you do not see the refund within these windows, contact your bank with the Karmgyan refund reference ID; we can also assist via support.

5. Rescheduling or Requesting a Refund

To move a consultation, use the reschedule option on your booking and pick a new time. You do not need to email us for this.

For a refund in the cases listed above — or if no offered time works for you — email refunds@karmgyan.com with:

• Your registered email or phone
• Order ID or consultation booking ID
• What happened, and any supporting screenshots

6. Disputed Charges

If you believe you have been charged in error or for a service you did not authorise, raise a complaint with us first via refunds@karmgyan.com. We aim to resolve disputes within 7 business days. If unresolved, you may approach our Grievance Officer.

7. Promotional Credits and Coupons

Refunds for orders that used promotional credits or coupons are processed in cash up to the actual cash component you paid; the promotional portion is not refundable in cash but may be re-credited at our discretion.

8. Changes to This Policy

Karmgyan reserves the right to update this policy. Material changes will be communicated 7 days in advance via email or in-app notice. The 'last updated' date at the top reflects the latest version.