3.1 General Policy

All contributions made towards accessing OmTatva's digital educational content and services are STRICTLY NON-REFUNDABLE. This includes but is not limited to:

• Monthly subscription contributions (1-month access)
• Annual subscription contributions (12-month access)
• Premium course enrollments
• Digital learning module purchases
• Community access fees
• Any other in-app purchases

3.2 Rationale

The non-refundable nature is based on the following:

• Immediate access to digital content upon contribution
• Instant availability of learning materials and educational resources
• Digital nature of services prevents "return" of accessed content
• Significant resources invested in AI-powered content creation and curation
• Content can be downloaded, viewed, or consumed immediately

3.3 Acceptance

By completing a payment transaction, you explicitly accept that:

• You have understood the non-refundable nature of contributions
• You have reviewed the content/subscription details before contributing
• You will not seek refunds for change of mind or dissatisfaction

4.1 Contribution Types

Your contribution provides access for specific time periods:

4.2 Access Activation

• Access is activated immediately upon successful payment
• You will receive confirmation via email and in-app notification
• Access period begins from the date and time of successful transaction
• Once activated, the contribution becomes non-refundable
• Downloaded or streamed content cannot be returned

4.3 No Pro-Rata Refunds

• No partial refunds for unused portion of subscription period
• Cancellation does not entitle you to refund for remaining time
• Access continues until end of current subscription period

5.1 Information Access Only

OmTatva app provides curated information about spiritual retreats, temple tours, ashram visits, and wellness programs across India.

5.2 Third-Party Bookings

• Retreat bookings are facilitated through third-party service providers
• Separate terms and conditions apply for retreat bookings
• Refund policies for retreats are governed by respective service providers
• OmTatva acts as an information aggregator and facilitator only
• Any booking contributions are non-refundable once confirmed

5.3 Commission-Based Services

• We earn commission on successful retreat bookings
• Commission is non-refundable regardless of retreat cancellation
• Direct disputes regarding retreats to be resolved with service providers

6.1 Institutional Subscriptions

All contributions towards corporate wellness programs, institutional packages, and B2B services are non-refundable once the agreement is executed and access credentials are provided.

6.2 Custom Agreements

• Separate Service Level Agreements (SLA) may apply
• Custom terms negotiated in written agreements
• Default refund policy applies unless explicitly modified in writing

7.1 Technical Failures Attributable to OmTatva

• Multiple payment debits for a single transaction (duplicate charges)
• Payment successful but access not granted due to server error on our end
• Complete service unavailability for more than 72 consecutive hours due to our technical fault
• App malfunction preventing access to paid content for extended periods

7.2 Unauthorized Transactions

• Fraudulent transactions reported within 24 hours of occurrence
• Unauthorized use of payment instruments (subject to verification)
• Must provide supporting documentation:
  • FIR copy (if filed)
  • Bank dispute reference number
  • Transaction details and proof

7.3 Billing Errors

• Incorrect amount charged beyond the stated subscription price
• Wrong subscription tier activated
• Must be reported within 7 days with evidence

7.4 Processing of Exceptions

To request a refund under exceptional circumstances:

9.1 User-Initiated Cancellation

You may cancel your subscription at any time through:

• App settings: Profile > Subscriptions > Manage > Cancel
• Email request to: team@ayodhaam.in
• Customer support: +91 9559380120, +91 9990610715

9.2 Effect of Cancellation

• Cancellation prevents future auto-renewal charges only
• No refund for the current active subscription period
• Access continues until the end of current paid period
• You can continue using premium features until expiry
• No pro-rata refund for unused days/months

9.3 Auto-Renewal Cancellation

• Cancel at least 24 hours before next billing cycle
• Failure to cancel in time will result in automatic renewal
• Renewed subscriptions are also non-refundable

10.1 Consumer Protection Act, 2019

• Clear disclosure of all terms before payment
• Prominent display of non-refundable policy
• Access to grievance redressal mechanism
• Fair and transparent business practices

10.2 Information Technology Act, 2000 & IT Rules

• Secure payment gateway compliance (PCI-DSS)
• Data protection and privacy measures
• Electronic transaction records maintained for 5 years
• Compliance with intermediary guidelines

10.3 Indian Contract Act, 1872

• Valid contract formation with informed consent
• Clear and unambiguous terms
• Legal enforceability of agreements
• Doctrine of caveat emptor (buyer beware) applies

11.1 Complaints and Concerns

If you have concerns regarding this Refund Policy or any transaction:

11.2 Response Timeline

• Acknowledgment of complaint: Within 48 hours
• Investigation and resolution: Within 15 business days
• Final decision communication: Via email

12.1 Governing Law

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

12.2 Jurisdiction

Any disputes, claims, or controversies arising from this policy shall be subject to the exclusive jurisdiction of the courts in Sultanpur, Uttar Pradesh, India.