Refund & Cancellation Policy

Last Updated: [Date — to be confirmed by legal counsel before publishing]

1. Cooling-Off Period

We offer a 7-day full refund period from the date of purchase of your annual membership, provided that:

• You request the refund within 7 calendar days of your enrolment date
• You have not used any membership services during this period (including teleconsultation, fitness centre access, or any other benefits)

If you have used any service during the cooling-off period, your membership will be considered activated and no refund will be issued.

2. Post Cooling-Off Period

After the 7-day cooling-off period, annual memberships are non-refundable. This applies regardless of whether you have used any services during the membership year.

We encourage you to review the Membership Plans page thoroughly and contact our team with any questions before purchasing. Our team is available on WhatsApp for quick queries.

3. Upgrade & Downgrade

• Plan upgrades and downgrades are available at the time of annual renewal only
• Mid-year plan changes are not supported
• At renewal, you may move to any available tier (Silver, Gold, or Platinum) without restriction

4. Cancellation Policy

• You may cancel the renewal of your membership at any time before your renewal date
• Cancellation of renewal does not affect your active membership — you will continue to have full access to your benefits until the end of your current membership year
• To cancel your renewal, please contact us at support@shrigodahealthcare.com
• We do not auto-renew memberships without explicit consent, so no action is required to simply let your membership expire

5. How to Request a Refund

To request a refund within the cooling-off period:

• Email us at support@shrigodahealthcare.com
• Use the subject line: "Refund Request — [Your Order ID]"
• Include your Order ID (sent to you upon enrolment) and a brief reason for the refund request

Refund requests submitted without an Order ID may experience delays in processing.

6. Refund Processing Time

• Eligible refunds will be processed within 7–10 business days of approval
• Refunds will be credited to the original payment method used at the time of purchase
• Processing timelines may vary depending on your bank or payment provider
• We will send you an email confirmation once the refund has been initiated

7. Partner-Enrolled Memberships

If your membership was enrolled through an insurance agent, POSP, NBFC, or other distribution partner, the same refund and cancellation terms apply. Please contact support@shrigodahealthcare.com directly — do not route refund requests through your partner/agent.

8. Exceptional Circumstances

In cases of exceptional circumstances (such as member bereavement or serious illness preventing use of any service), we will consider requests on a case-by-case basis. Please contact us with supporting documentation and we will endeavour to provide a fair resolution.