Cancellation & Refund Policy

This policy explains how cancellations, refunds, and payment disputes are handled for Remote Health Navigation & Care Coordination ("Services"), operated by Nischidha Imaging Services Pvt Ltd ("we", "us").

1. Cancellation

• You may cancel a service request before we begin substantive work on your case.
• Cancellation requests must be sent to our grievance officer or through the contact form with your order/transaction reference.
• Once case preparation, provider matching, or coordination has started, the request is treated as a partial-refund case (see below).

2. Refund eligibility

• Before work begins: Full refund minus payment-processing fees charged by the payment gateway.
• After work begins: Pro-rata refund based on work completed, at our reasonable discretion.
• Completed services: No refund unless the service was materially defective or not delivered.
• Subscription plans: You may cancel future billing cycles; refunds for the current cycle are discretionary unless required by law.

3. Refund method and timeline

• Approved refunds are credited to the original payment instrument (UPI, card, wallet, bank account) used for the transaction.
• Refunds are typically initiated within 5–7 business days and may take 5–10 additional business days to reflect, depending on your bank or payment provider.
• We issue a credit note/receipt for every refund and email it to the registered email address.

4. Payment disputes and chargebacks

• If you believe a charge is incorrect, please contact us first. We aim to resolve disputes within 15 business days.
• Unjustified chargebacks may result in suspension of service until the matter is resolved.
• We cooperate with banks and Razorpay's dispute-resolution process and provide transaction records where required.

5. Failed or risk-blocked transactions

If a transaction is blocked by the payment processor (for example, due to risk checks or unapproved domains), no amount is debited from your account. If any amount is held by your bank, it is automatically released per the bank's timeline.

6. GST and taxes

Refunds are processed for the net amount paid, including GST. Where a refund is partial, the GST component is adjusted proportionally and shown on the credit note.

7. Changes to this policy

We may update this policy. The version in force at the time of your transaction applies.

8. Contact

For cancellation or refund requests, see our grievance page or use the contact form.