REFUND & CANCELLATION POLICY

DHARMLOK — www.dharmlok.com

Last Updated: August 18, 2026

This Refund & Cancellation Policy ("Policy") applies to all bookings, orders, and payments made through the Platform operated by Dharmlok Ventures Private Limited ("Company"). This Policy is incorporated by reference into the Terms of Use.

1. GENERAL PRINCIPLES

1.1 Refund eligibility, timelines, and cancellation charges vary by category of Service/Product, as set out below.

1.2 All refunds are processed to the original mode of payment unless otherwise agreed.

1.3 The Company reserves the right to deduct applicable payment gateway charges, convenience fees, and any non-refundable third-party costs already incurred (e.g., temple booking fees, transport advances) from the refund amount, where such deduction has been disclosed at the time of booking.

2. PILGRIMAGE BOOKINGS AND TOUR PACKAGES

2.1 User Cancellation:

2.2 Refund percentages exclude non-refundable components such as train/flight tickets, temple darshan slots, or hotel bookings that are non-cancellable by the underlying third-party provider; such amounts, if already paid to third parties, shall not be refunded.

2.3 Company/Vendor Cancellation: If a tour or pilgrimage is cancelled by the Company or the operating Vendor (e.g., due to insufficient participants, force majeure, or operational reasons), Users shall receive a full refund or the option to reschedule, at the User's choice.

2.4 Force Majeure: Where cancellation arises from force majeure events (natural calamities, government restrictions, temple closures, etc.), refunds shall be processed to the extent recoverable from third-party vendors, less reasonable administrative costs.

3. RELIGIOUS PRODUCTS (MARKETPLACE ORDERS)

3.1 Products such as puja samagri, Rudraksha, yantras, gemstones, brass articles, incense, camphor, and spiritual gifts may be returned within 7 days of delivery, provided the product is unused, in original packaging, and accompanied by proof of purchase.

3.2 Non-Returnable Items: Perishable items (e.g., flowers, prasad, camphor once opened), customised/personalised religious merchandise, and items explicitly marked "non-returnable" at the time of purchase are not eligible for return or refund, except where the product is defective or materially different from its description.

3.3 Refunds for approved returns will be initiated within 7 business days of the returned product passing quality inspection, and credited within 7–10 business days thereafter, depending on the payment method and issuing bank.

3.4 Replacement (in lieu of refund) may be offered at the User's option for defective or damaged Products, subject to availability.

4. DONATIONS

4.1 Donations made through the Platform to temples, religious organisations, or causes are voluntary and non-refundable, save in the case of a proven technical error resulting in duplicate or erroneous debit, in which case the erroneous amount shall be refunded upon verification.

4.2 The Company facilitates transmission of Donations to the relevant temple/organisation and does not itself retain Donations except any disclosed platform/processing fee.

5. ASTROLOGY, CONSULTATION, AND PUJA SERVICES

5.1 Prior to Service Commencement: Cancellations made at least 24 hours before the scheduled consultation, puja, or session are eligible for a full refund, less any payment gateway charges.

5.2 Less than 24 Hours / No-Show: Cancellations made within 24 hours of the scheduled time, or failure to join/attend without prior cancellation, shall not be eligible for a refund, except at the Company's discretion.

5.3 Rescheduling: Users may reschedule a consultation or puja booking once, free of charge, subject to availability of the Service Provider, provided the request is made at least 12 hours prior to the scheduled time.

5.4 Once a puja, ritual, or consultation has commenced or been delivered, no refund shall be payable, as the Service is inherently non-reversible upon performance.

5.5 If a Service Provider fails to show up, is unavailable, or does not deliver the booked Service, the User shall be entitled to a full refund or a free rescheduled session, at the User's choice.

6. DIGITAL PRODUCTS — E-BOOKS, PDFs, AND DOWNLOADABLE CONTENT

6.1 Owing to the nature of digital goods, e-books, PDFs, and other downloadable Content are non-refundable once accessed or downloaded, except where the file is corrupted, inaccessible, or materially different from its description, in which case the User must report the issue within 48 hours of purchase for a replacement or refund.

7. VENDOR CANCELLATION

7.1 A Vendor may cancel an order prior to dispatch due to non-availability of stock or inability to fulfil the order. In such cases, the User shall receive a full refund within 7 business days.

7.2 Repeated cancellations by a Vendor may result in penalties or suspension under the applicable Vendor Terms & Conditions.

8. COMPANY CANCELLATION

8.1 The Company reserves the right to cancel any booking or order at its discretion, including in cases of suspected fraud, pricing/technical errors, or inability to fulfil due to circumstances beyond its control, with a full refund of the amount paid.

9. USER CANCELLATION

9.1 Users may cancel eligible bookings/orders through their Account dashboard or by contacting customer support, subject to the category-specific timelines set out above.

10. PROCESSING TIME

10.1 Approved refunds are typically initiated within 5–7 business days of approval and reflect in the User's account within 7–10 business days thereafter, subject to the processing timelines of the relevant bank/payment gateway, over which the Company has no control.

11. REFUND MODE

11.1 Refunds shall be credited to the original payment method (card, UPI, wallet, net banking) used for the transaction. Where the original mode is unavailable, the Company may, at its discretion, offer a refund via bank transfer or Platform wallet credit, with the User's consent.

12. NON-REFUNDABLE ITEMS (SUMMARY)

The following are generally non-refundable, save for a defect, error, or non-delivery attributable to the Company/Vendor:

• Donations
• Perishable/consumed items
• Customised/personalised merchandise
• Accessed/downloaded digital content
• Completed astrology/consultation/puja sessions
• Convenience fees and payment gateway charges
• Non-cancellable third-party bookings (flights, certain hotel bookings)

13. HOW TO REQUEST A CANCELLATION OR REFUND

Users may raise a cancellation or refund request through:

• The "My Bookings/Orders" section of the Account; or
• Customer support at [insert support email] / [insert support phone number]

Please quote your order/booking ID for faster resolution.

14. CONTACT

Dharmlok Ventures Private Limited

12/9, GF, Malviya Nagar, Jaipur, Rajasthan – 302017, India

Email: [insert support email]

Phone: [insert support number]