This Refund & Cancellation Policy applies to all transactions on the PranLok platform, including wallet top-ups, per-minute healer consultation charges, group/subscription plan purchases, and e-commerce product purchases.

1. No-Refund Policy — Overview

Except as expressly stated in Section 2 (failed/erroneous transactions), all amounts paid to or deducted by PranLok are final and non-refundable.

2. Failed or Erroneous Transactions Only

• The sole exception to the no-refund policy is a failed transaction where the amount is debited from your payment method but not credited to your PranLok wallet due to a technical error.
• For such failed top-ups, the payment gateway automatically initiates a reversal to your original payment method within 5-7 business days.
• If an automatic reversal does not occur within 7 business days, contact us at support@pranyog.in with your transaction ID.

3. Per-Minute Healer Sessions

• Healer consultations are billed per connected minute. You are charged only for the actual minutes during which the call or chat session is connected.
• Once a session minute has been connected and billed, that charge is final. We do not issue refunds for dissatisfaction with consultation advice or outcomes.

4. E-Commerce Product Orders

Orders may be cancelled before shipment. Delivered products are non-returnable and non-refundable unless a wrong or damaged product was received due to our error.