Refund & Cancellation Policy

1. Overview

At NiraLive Astro, we strive to provide high-quality astrological services. This Refund & Cancellation Policy outlines the terms under which refunds may be requested and processed for our services.

Please read this policy carefully before making any payments. All sales are generally final unless otherwise stated below.

2. Consultation Services

2.1 Cancellation Before Consultation

• 24+ Hours Before: Full refund minus payment processing fees (typically 2-3%)
• 12-24 Hours Before: 50% refund at our discretion
• Less than 12 Hours: No refund
• No Show: No refund

2.2 Technical Issues During Consultation

Refunds or rescheduling may be provided if:

• Platform technical failure prevents consultation
• Astrologer fails to join the consultation
• Severe connectivity issues (documented and verified)

Note: Minor technical glitches, poor user internet connection, or device issues do not qualify for refunds.

2.3 Completed Consultations

NO REFUNDS are provided for completed consultations, regardless of:

• User dissatisfaction with predictions or advice
• Disagreement with astrological interpretations
• Change of mind after consultation
• Perceived accuracy or usefulness of information

3. Digital Products & Reports

3.1 Kundali & Reports

Digital products (kundali, birth charts, reports) are NON-REFUNDABLE once generated and delivered, as they are instantly accessible and cannot be returned.

3.2 Technical Delivery Issues

Refunds or re-delivery may be provided if:

• Report fails to generate due to system error
• Incorrect calculations due to platform bug (verified by our team)
• Failed payment but amount debited (with proof)

4. Subscription Services

4.1 Cancellation

• You may cancel your subscription at any time from your account settings
• Cancellation takes effect at the end of the current billing period
• No refunds for partial months or unused time
• Access continues until the end of paid period

4.2 Refunds

Subscription refunds are NOT PROVIDED except:

• Duplicate charges due to payment processing error (verified)
• Within 7 days of first subscription and no services used

5. Wallet & Credits

• Wallet Balance: Non-refundable once added
• Promotional Credits: Non-refundable and non-transferable
• Unused Credits: Do not expire but cannot be withdrawn
• Bonus Credits: Subject to specific terms and conditions

6. Refund Process

6.1 How to Request

To request a refund:

1. Contact us at support@niraliveastro.com
2. Provide order details (transaction ID, date, amount)
3. State reason for refund request
4. Include supporting documentation if applicable

6.2 Review Timeline

• We review refund requests within 3-5 business days
• Additional information may be requested
• Decision is final and at our sole discretion

6.3 Processing Time

Approved refunds are processed as follows:

• Credit/Debit Card: 5-10 business days
• UPI/Wallet: 3-7 business days
• Net Banking: 5-10 business days

Processing time depends on your bank/payment provider.

7. Payment Disputes

7.1 Chargebacks

If you initiate a chargeback or payment dispute with your bank/card issuer:

• Your account will be immediately suspended
• Access to all services will be revoked
• Legal action may be pursued for fraudulent disputes
• You must contact us directly before initiating disputes

7.2 Failed Payments

• If payment fails but amount is debited, contact us with proof
• We will investigate and process refund if verified
• Allow 7-10 business days for resolution

8. Non-Refundable Situations

Refunds will NOT be provided for:

• Change of mind after purchase
• Dissatisfaction with astrological predictions
• Disagreement with interpretations or advice
• User's failure to attend scheduled consultation
• Poor user internet connection or device issues
• Violations of Terms & Conditions
• Account suspension or termination for policy violations
• Expired promotional offers or credits
• Services already consumed or accessed

9. Service Quality Guarantee

While we cannot guarantee specific outcomes or predictions, we ensure:

• Verified and experienced astrologers
• Professional conduct and ethics
• Quality customer support
• Secure and reliable platform

If you experience issues with service quality, contact us immediately. We will investigate and take appropriate action, which may include replacement services (not refunds).

10. Exceptions & Special Cases

We reserve the right to make exceptions to this policy in extraordinary circumstances at our sole discretion, including but not limited to:

• Verified platform errors or system failures
• Astrologer misconduct (after investigation)
• Repeated technical issues preventing service
• Compassionate grounds (case-by-case basis)

11. Contact Information

For refund inquiries or disputes:

12. Policy Changes

We reserve the right to modify this Refund & Cancellation Policy at any time. Changes will be effective immediately upon posting. Continued use of services after changes constitutes acceptance of the updated policy.