Payment & Refund Policy

Last Updated: January 16, 2026

This Payment & Refund Policy outlines the terms regarding payments, cancellations, and refunds for services provided by Vipin PG (vipinpg.com).

1. Payment Methods

We accept payments through:

• Razorpay: Credit/Debit Cards, UPI, Net Banking, Wallets
• All major cards: Visa, Mastercard, RuPay, American Express
• UPI apps: Google Pay, PhonePe, Paytm, BHIM
• Net Banking from all major Indian banks

2. Payment Terms

• All payments must be made in full and in advance before the service session begins.
• All prices are listed in USD for reference; payments are processed in Indian Rupees (INR).
• Conversion rates are determined by Razorpay at the time of payment.
• You will receive a payment confirmation email immediately after successful payment.
• Keep your payment receipt and Payment ID for future reference.
• Payment constitutes acceptance of our Terms & Conditions.

3. Pricing

Our services are priced as follows:

4. Payment Security

• All transactions are processed through Razorpay, a PCI-DSS Level 1 compliant payment gateway.
• We do not store your card details, CVV, or banking credentials on our servers.
• All payment data is encrypted using 256-bit SSL/TLS encryption.
• Your payment information is transmitted directly to Razorpay's secure servers.
• We only receive confirmation of successful payment, not your payment method details.

5. Refund Policy

Eligible for Refund:

• Session canceled by us due to unavailability or technical issues on our end
• Payment made in error (duplicate payment)
• Service not delivered as promised within reasonable time

Not Eligible for Refund:

• Completed sessions, regardless of outcome or satisfaction level
• User no-shows or cancellations with less than 2 hours notice
• Technical issues on your end (internet, hardware, software, permissions)
• Change of mind after booking or payment
• Partial service completion due to user-side limitations
• Results not meeting expectations (services are advisory only)
• Third-party service or platform limitations beyond our control

6. Refund Process

• To request a refund, email us at [email protected] with your order details.
• Include your payment receipt and reason for the refund request.
• Refund requests are reviewed within 3-5 business days.
• Approved refunds are processed to the original payment method.
• Refund may take 5-10 business days to reflect in your account.

7. Cancellation & Rescheduling

• You may reschedule a session at least 2 hours before the scheduled time.
• To reschedule, contact us via email or the booking confirmation link.
• Multiple reschedules may be subject to approval.
• No-shows forfeit the session; rescheduling may require additional payment.

8. Disputes

If you are unsatisfied with a service or have a payment dispute:

• Contact us first at [email protected] to resolve the issue.
• We aim to resolve all disputes within 7 business days.
• For unresolved disputes, you may escalate through your payment provider.

9. Contact Us

For payment-related queries or refund requests, please contact: