Effective Date: May 10, 2025
Last Updated: January 4, 2026

This Refund Policy governs the terms and conditions under which refunds may be issued by Ayurveda Pulse, a digital informational platform and newsletter service operated as a unit of Nexorma Group, previously known as Nexorma Holdings, a registered Micro, Small and Medium Enterprise under the Udyam Registration system in the State of Uttarakhand, India (hereinafter referred to as “Company”, “we”, “us”, “our”, or “Ayurveda Pulse”). This Refund Policy applies to all paid services offered through our Platform including but not limited to professional writing services, ghostwriting services, publication fees, distribution services, editorial consulting, and any other fee-based services.

By purchasing any paid services from Ayurveda Pulse, you expressly acknowledge that you have read, understood, and agree to be bound by the terms and conditions set forth in this Refund Policy. This Refund Policy should be read in conjunction with our Terms of Service and Privacy Policy, which are incorporated herein by reference.

1. GENERAL REFUND PRINCIPLES

1.1 Service-Based Model

Ayurveda Pulse operates primarily as a service provider offering professional writing, editorial consulting, and content-related services. Unlike physical products, services are often customized, personalized, and involve significant time, expertise, and resources. Therefore, refund eligibility is determined based on the nature of the service, the stage of completion, and the specific circumstances of each case.

1.2 Good Faith Commitment

We are committed to delivering high-quality services that meet or exceed client expectations. If you are dissatisfied with any service provided, we encourage you to contact us promptly so we can work together to address your concerns. Many issues can be resolved through open communication, revision requests, or alternative solutions without requiring a refund.

1.3 Case-by-Case Evaluation

All refund requests are evaluated on a case-by-case basis in accordance with this Refund Policy and applicable consumer protection laws. We reserve the right to exercise reasonable discretion in determining refund eligibility while maintaining fairness and transparency in all decisions.

2. REFUND ELIGIBILITY BY SERVICE TYPE

2.1 Professional Writing and Ghostwriting Services

Before Work Commencement:

• If you request a refund before any work has begun on your project, you are eligible for a full refund (100%) minus any payment processing fees charged by third-party payment processors.
• Cancellation requests must be submitted in writing to [email protected] within 24 hours of payment and before any work has commenced.

After Work Commencement but Before First Draft Delivery:

• If you request a refund after work has begun but before the first draft has been delivered, you may be eligible for a partial refund based on the amount of work completed.
• Refund amount will be calculated as: Total Fee – (Hourly Rate × Hours Worked) – Payment Processing Fees.
• Documentation of work completed may be provided upon request.

After First Draft Delivery:

• Once the first complete draft has been delivered to you for review, all sales are considered final and no refunds will be issued.
• However, we offer reasonable revision rounds as specified in your service agreement to ensure the final deliverable meets the agreed-upon specifications.
• If you believe the delivered work substantially fails to meet the agreed specifications outlined in your service agreement, you may request a review by contacting us within 7 days of draft delivery. We will evaluate the claim and may offer additional revisions or, in exceptional circumstances, a partial refund.

Completed and Delivered Work:

• No refunds will be issued for completed work that has been delivered and meets the specifications outlined in the service agreement.
• For ghostwriting services where intellectual property rights have been transferred to you upon payment, refunds are not available once the transfer is complete.

2.2 Publication and Distribution Fees

Before Publication:

• If your content has not yet been published or distributed, and you request cancellation, you may be eligible for a refund based on the stage of the publication process.
• Full refund (100% minus processing fees) if cancellation occurs before editorial review begins.
• Partial refund (50% minus processing fees) if cancellation occurs after editorial review has commenced but before publication.
• No refund once content has been scheduled for publication or has been published.

After Publication:

• Once content has been published and distributed through our Platform or channels, no refunds will be issued.
• Published content cannot be “unpublished” for refund purposes, as distribution may have already occurred through our newsletter, website, and third-party channels.

2.3 Editorial Consulting Services

Scheduled Consultation Sessions:

• Full refund (100% minus processing fees) if cancellation occurs at least 48 hours before the scheduled consultation.
• 50% refund if cancellation occurs between 24-48 hours before the scheduled consultation.
• No refund if cancellation occurs less than 24 hours before the scheduled consultation or if the client fails to attend (no-show).

Completed Consultations:

• No refunds will be issued for consultations that have been conducted, regardless of client satisfaction.
• If you believe the consultation did not meet professional standards, please contact us to discuss the matter. We may offer additional consultation time or alternative remedies at our discretion.

Package Consultations:

• For multi-session packages, refunds for unused sessions may be provided based on the following formula: (Number of Unused Sessions ÷ Total Sessions in Package) × Original Package Price – Processing Fees.
• Refunds for package consultations must be requested before the package expiration date specified in your service agreement.

2.4 Subscription-Based Services

If we introduce subscription-based services in the future:

• Subscriptions may be cancelled at any time, but refunds will not be provided for partial billing periods.
• Cancellation will take effect at the end of the current billing cycle.
• No refunds will be issued for unused time within a billing period that has already been paid for.

3. NON-REFUNDABLE CIRCUMSTANCES

Refunds will NOT be issued under the following circumstances:

3.1 Change of Mind

• Refunds are not available simply because you changed your mind about a service after purchase, unless the work has not yet commenced.

3.2 Failure to Provide Required Information

• If delays or inability to complete services result from your failure to provide necessary information, materials, feedback, or cooperation as outlined in the service agreement, no refund will be issued.

3.3 Dissatisfaction with Creative Choices

• For services involving creative or editorial judgment (such as writing style, tone, content organization), subjective dissatisfaction does not automatically qualify for a refund if the work meets objective specifications in the service agreement.
• We will work with you through revision rounds to address specific concerns.

3.4 Technical Issues on Client Side

• Refunds will not be issued for issues arising from your equipment, internet connectivity, email filters, or other technical problems on your end that prevent you from accessing delivered materials.
• We will make reasonable efforts to assist with alternative delivery methods.

3.5 Third-Party Payment Processing Fees

• Payment processing fees charged by third-party payment processors (Razorpay, PayPal, Stripe, etc.) are non-refundable and will be deducted from any refund amount.
• These fees typically range from 2-5% of the transaction amount depending on the payment method and processor.

3.6 Services Rendered in Good Faith

• If services have been substantially performed according to the agreed specifications, refunds will not be issued even if the client is not completely satisfied with subjective elements.

3.7 Violation of Terms

• No refunds will be issued if your access to services is terminated due to violation of our Terms of Service, including but not limited to abusive behavior, fraudulent activity, or violation of intellectual property rights.

4. REFUND REQUEST PROCESS

4.1 Submission Requirements

To request a refund, you must:

1. Submit a written request via email to [email protected]
2. Include the following information in your request:
   • Full name and contact information
   • Order number or invoice number
   • Date of purchase
   • Description of the service purchased
   • Detailed explanation of why you are requesting a refund
   • Any relevant supporting documentation (correspondence, service agreements, etc.)
3. Submit your request within the applicable timeframe specified in this policy

4.2 Review Process

In accordance with best practices and RBI principles for customer protection, upon receiving your refund request:

1. We will acknowledge receipt of your request within 48 business hours (Monday-Friday, excluding public holidays in India).
2. We will conduct a thorough review of your request, service agreement, work completed, and all relevant circumstances.
3. We may request additional information or documentation to evaluate your request.
4. We will communicate our decision within 10 business days of receiving all necessary information.
5. If approved, refunds will be initiated within 1 business day (T+1) in compliance with RBI timelines and processed within 5-10 business days depending on your payment method and financial institution.

4.3 Dispute Resolution

If you disagree with our refund decision:

1. You may request a formal review by submitting additional information or clarification to [email protected] with the subject line “Refund Dispute Review.”
2. A senior member of our team will conduct an independent review of your case.
3. You will receive a final decision within 15 business days of submitting your dispute.
4. This internal review process does not waive your rights under applicable consumer protection laws or your right to seek legal remedies.

5. REFUND PROCESSING AND TIMELINES

5.1 Processing Method

In compliance with Reserve Bank of India (RBI) guidelines, all approved refunds will be processed back to the original payment method used for the purchase. This ensures transparency, consistency, and compliance with digital payment regulations.

Refunds will be processed to the same payment method, unless:

• The original payment method is no longer valid or available
• Legal or technical restrictions prevent refund to the original method
• You specifically request an alternative refund method and we agree to accommodate

For direct bank transfers, we will require your bank account details for refund processing.

5.2 Processing Timeframes

In compliance with Reserve Bank of India (RBI) guidelines on digital payment refunds, once a refund is approved:

• Credit/Debit Cards: Refunds will be initiated within 1 business day (T+1) and will appear on your statement within 5-10 business days from the date of initiation, depending on your card issuer’s processing time.
• PayPal/Digital Wallets: Refunds will be initiated within 1 business day and typically appear within 3-5 business days.
• Bank Transfers: Refunds will be initiated within 1 business day and processed within 5-7 business days of receiving your complete bank account information.
• UPI Payments: Refunds will typically be processed within 2-3 business days.

Timeline Breakdown:

• Day 0: Refund approved
• Day 1 (T+1): Refund initiated to payment processor
• Day 5-10: Funds credited to your account (depending on payment method and financial institution)

Please note that while we initiate refunds promptly in accordance with RBI guidelines, the actual credit to your account depends on your financial institution’s processing time. If your refund does not appear within the expected timeframe, please check with your financial institution before contacting us.

In the rare event that a refund is delayed beyond 10 business days from the date of approval, we will work with our payment processor to investigate and resolve the issue promptly.

5.3 Currency and Exchange Rates

Refunds will be issued in the same currency as the original transaction. If currency conversion occurred during the original purchase, you are responsible for any exchange rate differences or conversion fees imposed by your financial institution.

6. PARTIAL REFUNDS

In certain circumstances, we may approve partial refunds:

6.1 Partially Completed Services

• When work has been partially completed, the refund amount will be calculated based on the proportion of work remaining minus payment processing fees.

6.2 Defective or Inadequate Services

• If services are found to be substantially below agreed specifications, we may offer a partial refund proportional to the deficiency, or the option to have the work corrected.

6.3 Exceptional Circumstances

• In cases involving exceptional circumstances such as extended delays caused by the Company, health emergencies, or other extenuating situations, we may offer partial refunds at our discretion.

7. CHARGEBACKS AND PAYMENT DISPUTES

7.1 Chargeback Policy

If you initiate a chargeback or payment dispute with your financial institution or payment processor:

1. We will immediately suspend all services until the dispute is resolved.
2. We will provide evidence and documentation to the payment processor to defend against invalid chargebacks.
3. If a chargeback is found in your favor, you will not be able to use our services in the future unless the matter is resolved satisfactorily.
4. If a chargeback is found in our favor, you remain responsible for payment of all fees, plus any chargeback fees (typically $15-25) imposed by payment processors.
5. Fraudulent chargebacks may result in legal action and reporting to relevant authorities.

7.2 Communication Before Chargeback

We strongly encourage you to contact us directly to resolve any payment concerns before initiating a chargeback. Most disputes can be resolved amicably through our refund request process. Initiating a chargeback without first attempting to resolve the issue with us may be considered a violation of this agreement and may affect your ability to use our services in the future.

8. TAXES AND FEES

8.1 Goods and Services Tax (GST)

All fees quoted on our Platform are exclusive of applicable Goods and Services Tax (GST) unless explicitly stated otherwise. GST will be added to invoices as required by Indian tax law.

In the event of a refund:

• If GST was charged on the original transaction, the GST component will also be refunded.
• Refunds do not affect your GST compliance obligations or our obligation to report transactions to tax authorities.

8.2 Payment Processing Fees

Third-party payment processing fees (typically 2-5% of transaction value) are non-refundable and will be deducted from any refund amount. This is because payment processors charge these fees for processing transactions, and they are not returned to us when refunds are issued.

9. EXCEPTIONAL CIRCUMSTANCES AND FORCE MAJEURE

9.1 Service Delays Due to Force Majeure

If service delivery is delayed or becomes impossible due to circumstances beyond our reasonable control (Force Majeure Events as defined in our Terms of Service), including but not limited to natural disasters, pandemics, government actions, telecommunications failures, or other unforeseeable events:

1. We will make reasonable efforts to notify you of the delay and provide an estimated timeline for completion.
2. You may choose to wait for service delivery or request a full refund.
3. No refund will be available for services already substantially completed before the Force Majeure Event.

9.2 Health Emergencies and Personal Circumstances

We recognize that unexpected personal circumstances may arise. If you experience a serious health emergency, family crisis, or other exceptional personal circumstance that prevents you from utilizing scheduled services:

1. Contact us as soon as possible to discuss your situation.
2. We may offer to postpone services, provide partial refunds, or offer alternative arrangements on a case-by-case basis.
3. Documentation may be required to verify extraordinary circumstances.

10. INTELLECTUAL PROPERTY CONSIDERATIONS

10.1 Copyright Transfer and Refunds

For ghostwriting and professional writing services where copyright and intellectual property rights are transferred to you upon payment:

1. Once copyright has been transferred and you have taken possession of the completed work, no refunds will be issued.
2. If a refund is issued before copyright transfer, all intellectual property rights remain with Ayurveda Pulse.
3. You must immediately cease all use of any materials for which a refund has been issued.

10.2 Use of Refunded Work

If you receive a refund for any writing or content creation service:

1. You are not permitted to use, reproduce, distribute, modify, or otherwise exploit any materials delivered to you as part of that service.
2. All intellectual property rights in such materials revert to or remain with Ayurveda Pulse.
3. Unauthorized use of refunded materials may result in legal action for copyright infringement.

11. FRAUDULENT REFUND REQUESTS

We take a zero-tolerance approach to fraudulent activity. If we determine that a refund request is fraudulent, made in bad faith, or part of an abuse of our refund policy:

1. The refund request will be immediately denied.
2. Your access to our Platform and services will be permanently suspended.
3. We reserve the right to report fraudulent activity to law enforcement and relevant authorities.
4. We may pursue legal remedies including recovery of services rendered, administrative costs, and legal fees.

Examples of fraudulent or abusive refund requests include but are not limited to:

• Falsely claiming non-delivery of services that were actually delivered
• Using services fully and then requesting refunds without legitimate grounds
• Initiating chargebacks after receiving services without first attempting to resolve issues
• Providing false or misleading information in refund requests
• Requesting refunds for services while continuing to use or benefit from delivered work

12. MODIFICATIONS TO THIS REFUND POLICY

We reserve the right to modify, amend, or update this Refund Policy at any time in our sole discretion. Changes may be made to:

• Reflect changes in our services or business practices
• Comply with legal or regulatory requirements
• Clarify existing provisions
• Address new situations not previously contemplated

When material changes are made to this Refund Policy:

• We will post the revised policy on our Platform with an updated “Last Updated” date
• We may notify users via email or prominent notice on the Platform
• The revised policy will apply to all purchases made after the effective date of the changes

Your continued use of our services after changes to this Refund Policy constitutes acceptance of those changes. We recommend reviewing this policy periodically to stay informed of any updates.

13. CONSUMER PROTECTION RIGHTS

Nothing in this Refund Policy limits or excludes any statutory rights you may have under applicable consumer protection laws. If you are a consumer in India, you have rights under:

• The Consumer Protection Act, 2019
• The Contract Act, 1872
• Any other applicable consumer protection legislation

If you are a consumer in the European Union, you have rights under:

• The Consumer Rights Directive (2011/83/EU)
• National consumer protection laws of your EU Member State

If you are a consumer in other jurisdictions, you have rights under the consumer protection laws of your jurisdiction.

To the extent that any provision of this Refund Policy conflicts with mandatory consumer protection rights under applicable law, the provisions of such law shall prevail, and this policy shall be interpreted to provide you with the maximum protection afforded by law.

14. GOVERNING LAW AND JURISDICTION

This Refund Policy is governed by the laws of India, particularly:

• The Indian Contract Act, 1872
• The Consumer Protection Act, 2019
• The Information Technology Act, 2000
• Any other applicable Indian laws and regulations

Any disputes arising from refund claims shall be subject to the exclusive jurisdiction of the courts of Uttarakhand, India, in accordance with our Terms of Service.

However, we encourage amicable resolution of all disputes through direct communication before pursuing legal remedies.

15. CONTACT INFORMATION FOR REFUND REQUESTS

For all refund-related inquiries, requests, or disputes, please contact:

Ayurveda Pulse
A Unit of Nexorma Group
Uttarakhand, India

Email: [email protected]
Subject Line: “Refund Request – [Your Order Number]”

Alternative Contact:
General Inquiries: [email protected]
Legal Matters: [email protected]

Response Time:
We aim to acknowledge all refund requests within 48 business hours and provide a decision within 10 business days of receiving all necessary information.

---

16. ACKNOWLEDGMENT AND ACCEPTANCE

By purchasing any services from Ayurveda Pulse, you acknowledge that:

1. You have read and understood this Refund Policy in its entirety
2. You agree to be bound by all terms and conditions set forth herein
3. You understand that refund eligibility is determined on a case-by-case basis
4. You will follow the refund request process outlined in this policy
5. You acknowledge that certain services, once delivered or completed, are non-refundable
6. You understand your rights and responsibilities regarding intellectual property in refunded work

If you do not agree with any provision of this Refund Policy, please do not purchase our services.

---

Document Version Information:
Effective Date: May 10, 2025
Last Updated: January 4, 2026
Version: 1.0

© 2026 Ayurveda Pulse, a unit of Nexorma Group. All rights reserved.

For questions about this Refund Policy, please contact us at [email protected]