This policy applies to consulting services purchased from VITTAL MIRJI via vitthalmirji.com and paid using online payment methods.

Technical consulting services. No physical goods. No restricted categories.

Returns do not apply because we do not sell physical goods.

1. Consulting services are generally non-refundable

Consulting time and delivered work are generally non-refundable once:

• the engagement has started, or
• a session has been conducted, or
• a deliverable has been shared.

Why: the service is time and effort based, and value is delivered as work progresses.

2. When refunds may be granted

We may consider refunds in limited situations such as:

• duplicate payment for the same invoice
• payment made in error (wrong amount) and reported promptly
• we are unable to start the engagement and no work has begun
• a service was paid for but not provided due to our fault

Refund decisions are at our discretion unless required otherwise by applicable law.

3. Refund window and mode

• Refund requests must be raised within 7 days of payment if the service has not started.
• If the service has started or any deliverable has been shared, the fee is non-refundable, unless required by applicable law.
• Approved refunds are issued to the original payment method (same card/bank account/UPI/wallet).

4. How refunds are processed

If a refund is approved:

• refunds are initiated via the payment gateway dashboard/API
• refunds are sent to the original payment source
• the refunded amount is deducted from our settlement
• processing time depends on the gateway used:
  • Cashfree (domestic): 5-7 business days
  • PayU (international/AMEX): 5-21 business days

5. Chargebacks and disputes

A chargeback is different from a refund. Chargebacks are initiated by the customer with their bank for reasons such as fraud, dissatisfaction, or service disputes.

If a chargeback occurs, we may submit documentation (invoice, written scope, delivery evidence, communication logs) to contest it.

6. Contact

To request a refund or reschedule, email [email protected] with:

• invoice/payment reference
• date and amount
• reason for request
• any relevant context

You can also reach us at:

• Mobile: +91-9845-630-306