Refund Policy

Introduction

This Refund Policy (“Policy”) governs all payments, bookings, consultations, astrology reports, remedies, digital services, and related transactions made through the website of Astrologer AMMIT KAPUR, a brand and service operated under Kapur Collection (“Company”, “We”, “Us”, or “Our”). This Policy shall apply to all Users, clients, customers, and visitors (“User”, “You”, or “Your”) accessing or availing any services through the Website or associated communication channels.

By booking an appointment, making a payment, purchasing a consultation, requesting an astrology report, or otherwise availing any services offered by Astrologer AMMIT KAPUR, the User acknowledges that they have read, understood, and agreed to be legally bound by this Refund Policy, along with the Terms & Conditions, Privacy Policy, Disclaimer, and other applicable policies published on the Website from time to time.

Astrology consultations, horoscope analysis, predictions, remedies, and related services offered through the Website are personalized, interpretative, and time-intensive services prepared specifically for individual Users. Accordingly, refund requests shall be governed strictly in accordance with the terms set out under this Policy.

This Policy applies to:

• online consultations,
• phone consultations,
• WhatsApp or video consultations,
• astrology reports and horoscope analysis,
• remedies and spiritual guidance services,
• international consultations and cross-border transactions,
• digital services,
• advance bookings,
• and all payments made through authorized payment channels associated with the Website.

Users are advised to carefully review this Policy before making any payment or booking any service. Continued use of the Website or services shall constitute ongoing acceptance of this Refund Policy and any modifications made thereto from time to time.

2. Payment Terms and Appointment Booking

Astrologer AMMIT KAPUR, operated under Kapur Collection, offers astrology consultations, horoscope analysis, reports, remedies, and related services through online and offline payment channels. All payments made towards any service offered through the Website shall be subject to this Refund Policy, the Terms & Conditions, and other applicable policies published on the Website from time to time.

Payments for consultations, reports, bookings, and related services may be made through authorized payment methods including, but not limited to:

• online payment gateways,
• debit cards,
• credit cards,
• UPI payments,
• bank transfers,
• direct bank deposits,
• Paytm,
• Google Pay (GPay),
• PayPal,
• and other approved payment methods made available on the Website or communicated by Us from time to time.

All bookings and appointments shall be deemed confirmed only upon successful receipt of payment and confirmation from Our side.

Users may:

• book appointments online through the Website,
• make advance payments and schedule appointments later through phone, WhatsApp, or email communication,
• or make direct payments through approved payment channels for consultations and astrology-related services.

Appointments, consultations, report delivery timelines, and related services shall be subject to:

• astrologer availability,
• operational schedules,
• prior bookings,
• time zone differences for international clients,
• and other practical or technical considerations.

While reasonable efforts shall be made to honor preferred consultation schedules and timelines, We reserve the right to reschedule, modify, postpone, or reasonably adjust appointments due to operational requirements, emergencies, technical interruptions, unforeseen circumstances, or availability constraints.

Users are responsible for ensuring that:

• accurate contact details are provided,
• payment information submitted is valid and authorized,
• sufficient payment authorization exists at the time of transaction,
• and all birth details and consultation-related information submitted are accurate and complete.

Incorrect birth details, inaccurate personal information, failed transactions, unauthorized payment usage, or incomplete information submitted by the User may affect the quality, timing, or delivery of astrology services, and shall not constitute valid grounds for refund or dispute.

For international clients, payment processing timelines, currency conversion charges, intermediary banking deductions, PayPal processing timelines, foreign exchange variations, and cross-border transaction charges may vary depending upon the User’s bank, country, financial institution, payment provider, or intermediary processing systems. We shall not be held responsible for such external banking or payment-related delays, deductions, or processing variations.

3. No Refund Policy

All payments made towards astrology consultations, horoscope analysis, Kundli reports, remedies, spiritual guidance services, appointments, digital products, and related services offered by Astrologer AMMIT KAPUR, operated under Kapur Collection, are final and non-refundable unless expressly stated otherwise under this Policy.

No refund, cancellation, reversal, or chargeback shall be entertained once:

• an appointment has been confirmed,
• consultation scheduling has been initiated,
• astrological analysis has commenced,
• report preparation work has started,
• remedies or guidance have been shared,
• digital services have been delivered,
• or consultation time has been allocated for the User.

Astrology services are personalized, interpretative, and time-intensive in nature and are specifically prepared for each individual User based on the birth details, consultation requirements, and personal circumstances submitted by the User. Accordingly, such services cannot be canceled, reversed, exchanged, resold, or reused once initiated.

Refund requests shall not be entertained under circumstances including, but not limited to:

• dissatisfaction with astrological predictions, remedies, guidance, or consultation outcomes,
• disagreement with astrological interpretations,
• change of mind after booking or payment,
• delay caused due to incomplete or incorrect information submitted by the User,
• failure of the User to attend scheduled appointments,
• lack of desired personal, financial, professional, relationship, spiritual, or health-related results,
• or misunderstanding of astrology as an exact science or guaranteed outcome-based service.

Astrology is a matter of personal belief, interpretation, spiritual guidance, and individual perspective. Results, experiences, and outcomes may vary from person to person, and no guarantee or warranty is made regarding the certainty, accuracy, effectiveness, or outcome of any prediction, consultation, remedy, or astrological guidance.

Users acknowledge and agree that:

• all services are availed voluntarily and at their own discretion,
• astrology consultations are advisory and interpretative in nature,
• decisions taken by the User based on consultations or reports remain solely the responsibility of the User,
• and dissatisfaction with astrological outcomes shall not constitute valid grounds for refund, dispute, or legal claim.

Notwithstanding the foregoing, verified duplicate payments, accidental overpayments, or failed transactions where payment has been successfully deducted but no service booking has been generated may be reviewed on a case-by-case basis at Our sole discretion after appropriate verification. Any approved refund, where applicable, may require reasonable processing time depending upon banking systems, payment gateways, intermediary financial institutions, and international transaction procedures.

4. Rescheduling, Delays, and Missed Appointments

Astrologer AMMIT KAPUR, operated under Kapur Collection, understands that unforeseen circumstances may occasionally require modification or rescheduling of appointments and consultations. Users may request rescheduling of confirmed consultations subject to reasonable prior notice, operational feasibility, astrologer availability, and management discretion.

Rescheduling requests shall be considered on a case-by-case basis and shall remain subject to appointment availability, consultation schedules, operational constraints, and time zone coordination for international clients.

Users are advised to communicate any rescheduling request through the official communication channels, including phone, WhatsApp, or email, within a reasonable time prior to the scheduled consultation. While reasonable efforts may be made to accommodate such requests, We do not guarantee availability of any specific alternative slot, preferred timing, or immediate rescheduling.

Failure of the User to attend, join, respond to, or remain available for a scheduled consultation at the agreed date and time may be treated as a missed appointment and may not qualify for refund, cancellation, or rescheduling.

In circumstances involving:

• delayed user response,
• unavailability of the User,
• incorrect contact information,
• internet or connectivity issues on the User’s side,
• international time zone misunderstandings,
• or communication failures attributable to the User,
• the consultation may be deemed completed, missed, forfeited, or subject to rescheduling solely at Our discretion.

While We endeavor to provide consultations, reports, and related services within reasonable timelines, Users acknowledge that delays may occasionally occur due to:

• high consultation volumes,
• operational workload,
• emergencies,
• technical interruptions,
• internet or communication issues,
• unforeseen circumstances,
• public holidays,
• astrologer availability,
• or factors beyond reasonable control.

Any estimated consultation schedules, report delivery timelines, or service completion timelines communicated through the Website, phone, WhatsApp, email, or other channels shall be considered approximate and indicative in nature and shall not constitute guaranteed delivery commitments.

Reasonable efforts shall be made to inform Users in case of significant delays or scheduling adjustments wherever practically possible. However, such delays shall not automatically entitle the User to cancellation, refund, compensation, damages, or legal claims, except where expressly required under applicable law.

5. Chargebacks, Payment Disputes, and Unauthorized Transactions

Users are advised to carefully review all service details, policies, consultation information, pricing, and payment terms before making any transaction through the Website or associated payment channels. By proceeding with any payment, the User acknowledges and agrees that the transaction has been made voluntarily after understanding the nature of astrology-related services offered by Astrologer AMMIT KAPUR, operated under Kapur Collection.

Users are strongly encouraged to contact Us directly through official communication channels before initiating any chargeback, payment reversal, banking dispute, PayPal dispute, or unauthorized transaction claim.

In the event of any payment-related concern, duplicate transaction, technical issue, failed booking, or billing discrepancy, reasonable efforts shall be made to review and address legitimate concerns in accordance with this Refund Policy and applicable operational procedures.

However, Users acknowledge and agree that:

• astrology consultations and reports are personalized and time-based services,
• consultation slots and operational resources are allocated specifically for individual Users,
• and chargebacks or payment reversals initiated after service initiation, consultation scheduling, report preparation, or service delivery may result in financial loss, operational disruption, and misuse of services.

Fraudulent, abusive, unjustified, or bad-faith chargebacks, payment disputes, or false unauthorized transaction claims may result in:

• suspension or refusal of future services,
• cancellation of pending consultations or reports,
• restriction of access to the Website or communication channels,
• internal blacklisting for future bookings,
• recovery proceedings where legally permissible,
• and reporting of suspicious transactions to payment gateways, banks, financial institutions, or relevant authorities where appropriate.

We reserve the right to submit relevant transaction records, booking confirmations, communication logs, consultation details, timestamps, service delivery records, IP information, and other supporting documentation to banks, payment gateways, PayPal, financial institutions, dispute resolution authorities, or regulatory bodies for the purpose of contesting or defending chargebacks and payment disputes.

Users are solely responsible for:

• maintaining the confidentiality and security of their payment credentials,
• ensuring authorized use of payment instruments,
• verifying transaction details before making payment,
• and immediately notifying their bank or payment provider in case of any suspected unauthorized activity.

We shall not be liable for:

• unauthorized transactions arising from negligence on the part of the User,
• banking failures,
• third-party payment gateway errors,
• phishing attacks,
• compromised devices,
• internet fraud,
• or misuse of payment credentials beyond Our reasonable control.

For international transactions, Users acknowledge that PayPal disputes, international banking reviews, foreign exchange procedures, intermediary banking systems, and cross-border payment investigations may require extended processing timelines depending upon the respective financial institutions and jurisdictions involved.

6. Governing Law and Jurisdiction

This Refund Policy, along with all consultations, reports, bookings, payments, transactions, Website usage, communications, and services offered by Astrologer AMMIT KAPUR, operated under Kapur Collection, shall be governed by and construed in accordance with the applicable laws of India.

All disputes, claims, proceedings, complaints, controversies, or matters arising out of or relating to the Website, consultations, astrology services, payments, refunds, chargebacks, transactions, or interpretation and enforcement of this Refund Policy shall be subject to the exclusive jurisdiction of the competent courts situated in Ludhiana, Punjab, India.

By accessing the Website, making payments, booking consultations, or availing any services, the User expressly agrees and consents to:

• the exclusive applicability of Indian laws,
• the exclusive jurisdiction of courts located in Ludhiana, Punjab, India,
• and waiver of any objection relating to jurisdiction, venue, territorial applicability, or inconvenient forum, irrespective of the User’s country of residence or location.
• This clause shall apply equally to clients located within India as well as international clients availing cross-border astrology consultations, reports, or digital services through the Website.

International Users acknowledge and agree that:

• astrology services are being offered and operated from India,
• all transactions shall be deemed to have been initiated and processed within India,
• and any legal interpretation, dispute resolution, enforcement, or proceeding relating to the services shall be governed exclusively under Indian jurisdiction and applicable Indian laws.

Nothing contained herein shall limit Our right to seek lawful remedies, interim reliefs, recovery proceedings, or protective measures before any competent authority or court where deemed necessary for protection of Our legal rights, operational interests, intellectual property, payment recovery, fraud prevention, or enforcement of this Policy.

7. Changes to This Refund Policy

Astrologer AMMIT KAPUR, operated under Kapur Collection, reserves the right to modify, amend, revise, update, suspend, replace, or discontinue any portion of this Refund Policy at any time, at its sole discretion, without prior notice, in order to reflect changes in business practices, operational requirements, legal obligations, payment systems, regulatory developments, service offerings, or other relevant considerations.

Any revised or updated version of this Refund Policy shall become effective immediately upon publication on the Website unless otherwise expressly stated.

Users are advised to periodically review this Refund Policy to remain informed regarding the latest applicable terms governing payments, refunds, cancellations, appointments, consultations, and related services.

Continued use of the Website, booking of consultations, or making of payments after publication of revised terms shall constitute the User’s acknowledgment, understanding, and acceptance of the updated Refund Policy.

We reserve the right to:

• interpret this Policy,
• determine refund eligibility,
review disputes and exceptional circumstances,
• and make final decisions regarding operational and refund-related matters in accordance with this Policy and applicable laws.

If any provision of this Refund Policy is found to be invalid, unenforceable, or inconsistent under applicable law, the remaining provisions shall continue to remain valid and enforceable to the fullest extent permitted under law.

8. Contact Information

If any User has questions, concerns, support requests, payment-related queries, refund-related concerns, or grievances regarding this Refund Policy or any services offered through the Website, they may contact Us using the details provided below:

Astrologer AMMIT KAPUR

A Brand Operated Under Kapur Collection

🌐 Website: astrologerammitkapur.com

Astrologer AMMIT KAPUR

📧 Email: ask@akastrologyzone.com

📞 Contact Number: 919815162742

Jurisdiction and Business Operations:

Ludhiana, Punjab, India

Reasonable efforts shall be made to respond to genuine payment-related or policy-related concerns within a reasonable timeframe, subject to operational availability and applicable laws.