Refund and Cancellation Policy

1. Overview

NiveshSakha, operated by JeevanNirvana Solutions Pvt. Ltd., is committed to providing transparent and fair refund and cancellation policies for all our financial services. This policy outlines the terms and conditions for refunds and cancellations across our various service offerings.

2. Service-Specific Refund Policies

2.1 IT Filing & Tax Planning Services

2.2 Financial Planning & Education Services

2.3 Recovery Services (Investment & Insurance)

2.4 Will & Asset Transfer Services

2.5 Investment & Insurance Diagnosis

2.6 Litigation Funding

3. Cancellation Process

How to Cancel:

• Email us at support@niveshsakha.com with your booking/payment details
• Call our customer service at 9892382050 during business hours
• Send a WhatsApp message to 9892382050 with cancellation request

Required Information:

• Full name and contact details
• Service booked and payment reference number
• Reason for cancellation
• Bank account details for refund processing

4. Refund Processing

Timeline:

• Refund requests are processed within 2 business days of approval
• Refund amount will be credited to the original payment method within 5-7 business days
• For UPI/Net Banking: 1-3 business days
• For Credit/Debit Cards: 5-7 business days

Refund Method:

• Refunds will be processed to the original payment method
• In case of payment method unavailability, bank transfer will be initiated
• Processing fees (if any) charged by payment gateways are non-refundable

5. Non-Refundable Scenarios

• Services already completed and delivered as per agreement
• Cancellation requested after the specified time limits
• Failure to provide required documents or information from client side
• Force majeure events (natural disasters, government regulations, etc.)
• Services cancelled due to client's non-compliance with terms

6. Force Majeure

NiveshSakha shall not be liable for any delay or failure in performance due to events beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, strikes, government regulations, or pandemic-related restrictions. In such cases, service delivery timelines may be extended, and alternative arrangements will be made.

7. Dispute Resolution

• All disputes will be first attempted to be resolved through direct communication
• If unresolved, disputes will be subject to arbitration under Indian Arbitration and Conciliation Act
• Jurisdiction for legal matters: Mumbai, Maharashtra, India

8. Customer Support

For any queries regarding refunds or cancellations:

9. Policy Updates

NiveshSakha reserves the right to modify this refund and cancellation policy at any time. Any changes will be updated on this page with a new "Last Updated" date. Continued use of our services after policy changes constitutes acceptance of the modified terms.