Refund and Cancellation Policy

Our fees pay for reserved capacity and senior professional time, which we commit as soon as you pay. Fees are therefore refundable only in the limited cases this policy sets out, and only on the part of the fee that has not been used.

Every refund is subject to the 5% processing charge and the deductions in clause 10. The Unused Fee is the fee left after deducting the Work Done (clause 2).

1.1 This policy is issued by Gayatri Associates, a proprietorship firm with its office at Surajkund Colony, Gorakhpur, Uttar Pradesh and GSTIN 09FNXPS6502Q1ZO, which runs its business consulting practice under the name Gayatri Business at www.gayatri-business.com (“Gayatri”, “we”, “us” or “our”).

1.2 It applies to every service you buy from us, whether you pay through our website, against our invoice or under a signed engagement letter. “You” means the person or business that pays for or receives the service, and anyone acting for it.

1.3 This policy forms part of every proposal, engagement letter and invoice we issue, and of our Terms and Conditions. If a signed engagement letter sets different cancellation or refund terms, the engagement letter applies; on everything else, this policy applies.

1.4 By paying, you confirm that you have read and accepted this policy, and that you are buying our services for business purposes, not for personal use.

3.1 You can cancel only by email from your registered email to connect@gayatri-business.com, stating your name, business name, invoice number and reason, and attaching supporting documents if you rely on a concrete reason. A concrete reason not given in the cancellation email cannot be added later.

3.2 A cancellation takes effect on the working day we receive it. An email received after 6 pm (IST), or on a day that is not a working day, is treated as received on the next working day.

3.3 Calls, WhatsApp messages, missed meetings, stopped payments or a payment dispute with your bank are not a cancellation. Until we receive your email, the engagement continues and all fees remain payable.

3.4 We acknowledge every cancellation within 2 working days.

3.5 Our notices to you are treated as received when sent to your registered email or your WhatsApp number on our records.

This clause applies to the 30-Day Fix, Team Workshop, Growth Strategy Sprint, Finance, Operations & SOP Setup, and any other fixed-scope project.

4.1 Within 3 days of the Payment Date. If you cancel within 3 days of the Payment Date, and before any kickoff meeting, session or deliverable, we refund the amount you paid, less the 5% processing charge. This refund is available once per client: on any later purchase, clause 4.2 applies from the day you pay.

4.2 After that, we refund:

(a) 70% of the Unused Fee, if you give a concrete reason that we accept; or

(b) 50% of the Unused Fee, in every other case.

4.3 Concrete reason. Only the following count as a concrete reason, and each must be supported by documents:

(a) the closure, winding up, insolvency or sale of your business;

(b) the death or permanent incapacity of your proprietor, managing partner or managing director; or

(c) an order of a court or government authority that prevents the engagement.

We decide, acting reasonably, whether a concrete reason is made out, and tell you within 7 working days. Dissatisfaction with our work, a change of plans or priorities, budget constraints, a change in your management and a change of your CA or other adviser are not concrete reasons.

4.4 If you are unhappy with a deliverable. Tell us in writing within 7 days of receiving it, identifying the specific part that does not match the engagement letter. We will revise that part once, at no charge, within 15 working days. A revision is the only remedy for any concern about quality; it is not a ground for a refund. If we receive no written comments within 7 days, the deliverable is accepted.

4.5 Example. You pay ₹40,000 + ₹7,200 GST for a 30-Day Fix, the kickoff takes place on day 2, and you cancel on day 12 without a concrete reason. The Work Done is the higher of 12/30 of ₹40,000 (₹16,000) and 25% of the Fee (₹10,000), so ₹16,000, and the Unused Fee is ₹24,000. We refund 50% of it, ₹12,000, plus ₹2,160 GST: ₹14,160. After the 5% processing charge of ₹708, you receive ₹13,452.

4.6 Workshops. You may move a workshop date once, at no charge, if you tell us at least 7 working days before it. A change or cancellation within 7 working days of the workshop date is not refundable, and travel, venue or other costs already incurred are payable in every case.

This clause applies to MIS Monthly and the Monthly Business Advisory Retainer, which are billed monthly in advance.

5.1 Minimum term. MIS Monthly has a minimum term of 3 months, unless your engagement letter states a different term. Any minimum term for the Monthly Business Advisory Retainer is stated in your engagement letter.

5.2 First month. If you cancel within 3 days of your first Payment Date, before the kickoff call and before you have sent us any information, we refund the first month’s Fee, less the 5% processing charge. This refund is available once per client.

5.3 Ending the service. You may end a monthly service by giving 30 days’ written notice under clause 3. Fees for the notice period are payable, and no refund is made for any month that has started.

5.4 Ending before the minimum term. If your notice period ends before the minimum term, the fees for the remaining months of the minimum term are payable and are included in your final invoice.

5.5 Unpaid invoices. If a monthly invoice remains unpaid 7 days after its due date, we may pause the service until it is paid. The minimum term and notice period continue to run during the pause.

6.1 Discovery Call. If you cancel at least 24 hours before the call is due to start, we refund the fee, less the 5% processing charge, or give you a new time at no charge. You can move a Discovery Call up to 2 times. Once you have moved it, the fee is not refundable.

6.2 Business Clarity Session. The fee is not refundable. You can move the session up to 3 times at no charge, if you tell us at least 24 hours before it is due to start, and all moves must fall within 60 days of the Payment Date. If the session has not taken place within 60 days for reasons on your side, it lapses and the fee is earned.

6.3 If you cancel with less than 24 hours’ notice, or do not join within 10 minutes of the start time, no refund is due. If you ask within 7 days, we may offer you one new time, subject to availability.

6.4 Once a session has taken place, its fee is fully earned and is not refundable.

6.5 If we cancel or need to move a session, you choose a new time.

7.1 Our work depends on your information, approvals and attendance. Our delivery dates move forward by every day we wait for you, while the Engagement Period keeps running.

7.2 If you do not respond to our emails, calls or WhatsApp messages for 10 consecutive days, we will send you a final notice by email and WhatsApp, and pause the service from that date.

7.3 If you reply within 15 days of the final notice, the service resumes, and our delivery dates move forward by the number of days it was paused.

7.4 If you do not reply within 15 days of the final notice, the engagement is treated as cancelled by you, without a concrete reason, at the end of the 15th day. You may then request a refund of 50% of the Unused Fee under clause 10.

7.5 For a monthly service, the end of the 15th day is treated as the date of your notice under clause 5.3.

8.1 We cancel. If we cancel an engagement for our own reasons, we refund 100% of the Unused Fee.

8.2 We are delayed. If we miss a delivery date by more than 15 working days for reasons within our control, you may send us a written notice. If we still do not deliver within 15 working days of that notice, you may cancel, and we will refund 100% of the Unused Fee. Delays caused by late, incomplete or incorrect information from you, or by events under clause 8.5, do not count.

8.3 We end the engagement for your breach. We may end an engagement with immediate effect, by written notice, if you:

(a) ask us to do anything unlawful or unethical, such as misstating accounts or records;

(b) leave any amount unpaid for 15 days after its due date;

(c) give us false or misleading information or documents;

(d) breach confidentiality or misuse our work;

(e) behave abusively towards our team; or

(f) approach any member of our team for employment or for work outside the engagement.

In that case no refund is due, and the fees for the Work Done, any notice period and the rest of any minimum term become payable at once.

8.4 Limit of our liability. A refund under this policy is your only remedy for any cancellation or delay. Our total liability for an engagement is limited to the fees you paid us for it in the 3 months before your claim, and we are not liable for any indirect or consequential loss, including loss of profit, business or opportunity.

8.5 Events beyond anyone’s control, such as natural disasters, epidemics, government orders or a prolonged power or internet failure: we will move the dates. If work cannot resume within 60 days, either side may end the engagement, and the Unused Fee is kept as a credit that you can use against any of our services within 12 months. No cash refund is made.

10.1 Request. Send a written refund request from your registered email, with your bank details on your letterhead or a cancelled cheque.

10.2 Timing. We confirm the refund amount within 7 working days of receiving your complete request, and pay it within 15 working days of confirming it.

10.3 Processing charge. We deduct 5% of every refund towards payment-processing, bank and administration costs.

10.4 Dues first. Any amount you owe us, under any engagement, and our costs of recovering it, are first set off against the refund.

10.5 GST. Percentages apply to the Fee, excluding GST. The GST on the refunded amount is returned through a credit note where GST law allows, and you must reverse any input tax credit you claimed on it.

10.6 TDS. We refund only from the amount we actually received. Tax deducted at source (TDS) is not refunded by us; you may adjust it in your TDS returns where the law allows.

10.7 Method. We refund only to the bank account you paid from, or, for a card payment through our payment gateway, to that card. We never refund in cash or to anyone else.

10.8 No interest. No interest is payable on any refund.

10.9 Full and final settlement. We pay a refund on your written confirmation that it settles all claims relating to that engagement.

10.10 Our records. Our time records, correspondence and delivery records are final evidence of the Work Done and of all dates under this policy, unless they are shown to be clearly wrong.

11.1 We may refuse or reduce a refund, and recover a refund already paid, if you give false or misleading information or documents, use or implement our deliverables or advice and then cancel, cancel repeatedly to obtain free work, or otherwise act in bad faith.

11.2 Our costs of recovery, including reasonable legal costs, are payable by you.

12.1 Drafts, partial deliverables, templates, tools, models and methods remain our property. You may use a deliverable only once it has been paid for in full. When a Fee is refunded, your right to use the deliverables covered by the refund ends, and you must stop using and delete them.

12.2 We return or delete your information as set out in our non-disclosure agreement with you, and may keep one archive copy where the law requires it, such as for tax records.

13.1 Raise any dispute with us first, under clause 14.

13.2 A chargeback or payment dispute raised without first writing to us and allowing 30 days for a response is a material breach of this policy. We may suspend all services to you, and you bear any chargeback fees and our recovery costs.

13.3 We may share the engagement letter, invoices, correspondence and delivery records with your bank or payment provider to respond to a dispute.

13.4 If a refund has been paid and a chargeback for the same amount also succeeds, you must return the duplicate amount within 7 days.

14.1 Grievance officer: Divyansh Singh, Founder. Email: connect@gayatri-business.com. Phone and WhatsApp: +91 88580 48888. Address: Surajkund Colony, Gorakhpur, Uttar Pradesh.

14.2 We acknowledge every complaint within 48 hours and aim to resolve it within 30 days of receiving it. Before starting any legal proceedings, you must give us written notice of the dispute and allow 30 days for it to be resolved.

14.3 This policy is governed by the laws of India, and the courts at Gorakhpur, Uttar Pradesh have exclusive jurisdiction.

15.1 Changes. We may change this policy at any time by publishing a new version on this page. The version in force on your Payment Date applies to that payment; for a monthly service, the version in force on each monthly Payment Date applies to that month.

15.2 Goodwill is not precedent. Any refund or concession we allow outside this policy is a one-time gesture of goodwill. It does not change this policy or create a right for you or anyone else.

15.3 Severability. If any part of this policy is held unenforceable, it applies to the fullest extent the law allows, and the rest of the policy remains in force.