Refund Policy

Refund rules by service

• Tarot and coaching: payment is non-refundable for a customer cancellation, change of mind or missed appointment.
• Numerology and written consultations: the same rule applies to personalised work, including withdrawal after payment. Confirm the required details and agreed scope first.
• Classes, courses and packages: choosing to leave or not use the remaining sessions does not create a voluntary refund entitlement.

These rules are subject to the payment-error, provider non-delivery and legal-rights exceptions below. One free reschedule with at least 24 hours’ notice is available under the Cancellation & Reschedule Policy.

Completed services

A session or course does not guarantee a particular prediction, feeling or life outcome. A change of mind or an outcome different from what you hoped for does not by itself entitle you to a refund for work properly delivered as agreed. This does not prevent a claim about a misleading description, a defect, deficient service or another legal entitlement.

Cancellation and unused services

Once payment is made, we do not offer change-of-mind refunds for sessions, consultations, written services, courses or workshops. This includes customer cancellations, missed appointments, withdrawal from a course and unused sessions in a package, subject to the exceptions and mandatory rights in this policy. Please confirm suitability, scope, timing and the terms before paying.

You may request the rescheduling option described in the Cancellation & Reschedule Policy. A request to reschedule does not itself create a refund entitlement. This policy does not authorise a cancellation charge, penalty or retention of payment prohibited by applicable law; any legally required cancellation-parity rules also apply.

Where a refund is due under an exception, the undelivered portion is calculated using the itemised prices agreed before payment, or a fair proportion of the package price if no allocation was agreed. Completed sessions are not retrospectively repriced at a higher rate, and no undisclosed administration fee is deducted.

If Shilpi cannot provide the service

For class or session time changes caused by unforeseen circumstances, see our provider rescheduling arrangements. An agreed replacement continues the original booking. If no suitable replacement can be agreed, or Shilpi cancels or cannot supply the agreed service, you may choose a suitable alternative appointment or a refund of the undelivered portion. You are not required to accept a voucher or replacement. If a substantial change means the remaining service no longer fulfils the agreed purpose, tell us so the appropriate remedy can be considered under applicable law.

Duplicate payments and service problems

Verified duplicate payments and overpayments are refunded. If a service was materially different from what was agreed, not supplied, or affected by a significant problem, contact us with the details. Depending on the circumstances and applicable law, the remedy may include completing or repeating the affected service, a price reduction or a refund. A repeat service is not compulsory where the law gives you a different remedy.

For technical disruption, see the technical issues section. Do not send a further payment simply because a payment confirmation is delayed; verify the original transaction first.

How to request a refund

Email shilpipoddarr@gmail.com or use Contact on WhatsApp. Include your name, booking or course, appointment date, payment date and amount, transaction reference if available, the issue and your preferred resolution. Send only information needed to locate the payment; do not send a card number, password or one-time passcode.

We will explain the decision and calculation. Accepted refunds are initiated without undue delay, within applicable legal timelines, normally to the original payment source. If that route is unavailable, a secure alternative must be agreed with the payer. We will provide confirmation of initiation; bank or provider settlement times may vary.

Your rights

Nothing in these policies excludes or limits rights, refunds, remedies or liabilities that cannot lawfully be excluded or limited. Mandatory consumer protections take priority over any conflicting wording. Contacting us is encouraged, but is not a condition of using a lawful payment dispute or consumer remedy. Please provide accurate information and tell us if the same amount has already been returned through another route so that duplicate reimbursement can be reconciled.