Refund Policy

Last updated: 1 May 2026 · Effective: 1 May 2026

1. Why We Have a No-Refund Policy

Our services involve significant upfront costs and irreversible processes:

• Kundli reports: Once generated, the chart calculation is irreversible. AI narrative tokens are spent. Computational resources are consumed.
• Puja bookings: Temples allocate priests, materials, and time slots based on bookings. The Sankalpa is taken in your name and offered to the deity.
• Products: Items are temple-energised before dispatch — they cannot be re-sold once consecrated for you.
• Sankalpa principle: In Vedic tradition, the moment you set an intention (Sankalpa), the spiritual transaction begins. Withdrawing is considered inauspicious.

This policy is explicitly disclosed at multiple touch points before payment:

• On every report unlock screen
• Before every puja booking confirmation
• On product checkout
• In your booking confirmation email
• In our Terms of Service and FAQ

2. What This Means

By proceeding with payment, you confirm that:

• You have read and accepted this no-refund policy
• You will not request refunds, chargebacks, or payment reversals
• You agree to settle any disputes through our grievance redressal process (not your bank)
• Disputed chargebacks may result in account suspension and legal recovery action

3. Specific Service Coverage

Reports (Soul Navigator ₹299 / Karmic Compass ₹799 / Dharmic Life Map ₹1,499)

✗ No refunds after payment is captured. The chart and narratives are generated immediately upon successful payment.
✓ The report remains accessible to your account for at least 12 months.
✓ You can re-download the PDF anytime from your Account page.

Puja Bookings

✗ No refunds, even if you do not attend (these are pujas performed on your behalf in your absence).
✓ If we cancel a puja for reasons within our control (e.g., temple closure), we may offer to rebook you for an equivalent or higher-value puja at no additional cost. This is a goodwill gesture, not an obligation.
✗ Personal reasons (change of mind, scheduling conflict, dispute with family) are not eligible for cancellation by us.

Products (Vedic merchandise)

✗ No refunds on products that have been dispatched.
✗ No returns on temple-energised or personally-charged items.
✓ Replacement within 7 days of delivery if the product arrives damaged or defective. You must email support@divyamaarg.com with photos of the damaged product within 48 hours of receipt.
✓ See Shipping Policy for delivery, lost-package handling.

4. The Only Exception: Duplicate Charges

If you are accidentally charged twice for the same service (e.g., due to a Razorpay glitch), we will refund the duplicate charge within 7-14 business days upon verification. Email us at support@divyamaarg.com with both transaction IDs.

5. Chargeback Disputes

Filing a chargeback with your bank without first attempting our grievance redressal is considered a violation of these Terms. If a chargeback is filed in bad faith, we reserve the right to:

• Suspend or terminate your account
• Provide all transaction evidence (timestamps, IP, email confirmations, T&C acceptance) to your bank
• Pursue legal recovery if the chargeback is reversed in our favour
• Add you to industry fraud blacklists

6. Grievance Process (Use This First)

If you have any payment-related concern:

1. Email support@divyamaarg.com with your booking ID, transaction ID, and concern
2. We respond within 48 hours on business days
3. If the concern is genuine, we work with you on a goodwill resolution (rebooking, alternate puja, store credit — at our sole discretion)
4. If unresolved, you may escalate to our Grievance Officer (see Privacy Policy)

7. Razorpay Disclosure

All payments are processed by Razorpay Software Private Limited. Razorpay's own disclosure rules require that this no-refund policy be visible to you before payment. By clicking "Pay" on any Razorpay screen related to Divya Maarg, you confirm acknowledgement of this policy.

🪷 We hold sacred space — and we hold ourselves accountable to clarity. Thank you for understanding.