Refund and Cancellation Policy

# Refund and Cancellation Policy

**BizCentralOrbit – Microsoft Dynamics 365 Business Central Platform – a unit of “Bhoomika Digital Works**

**Effective Date:** April 1, 2026
**Last Updated:** April 1, 2026

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## 1. Overview

This Refund and Cancellation Policy outlines how BizCentralOrbit handles cancellations, refunds, and payment disputes for live consulting sessions, requirement analysis services, and other paid offerings on the platform.

**Our Commitment:** We strive to provide fair, transparent refund policies that protect both clients and consultants while maintaining platform integrity.

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## 2. LIVE CONSULTING SESSIONS – REFUND AND CANCELLATION

### 2.1 Session Booking and Payment

When you book a live 1-on-1 consulting session with a BizCentralOrbit consultant:

– Full payment is due at time of booking (non-refundable deposit)
– Session is confirmed once payment is received
– Calendar invitation and meeting link (Google Meet/Zoom) are sent 24 hours before scheduled session
– Session duration: typically 30-60 minutes as specified by consultant
– Time zone: Session scheduled in consultant’s stated time zone

### 2.2 Cancellation by Client (Within 1 Hour of Session)

**Via WhatsApp ONLY:**

If you need to cancel your live session, you must send a cancellation request via **WhatsApp to BizCentralOrbit** within **1 hour of scheduled session start time**.

**Example:**
– Session scheduled: 2 PM IST
– Cancellation request deadline: 3 PM IST (1 hour after start time)
– If cancellation request sent before 3 PM IST via WhatsApp: **Full refund**

**Refund Processing:**
– Refund is initiated within 24 hours of cancellation approval
– Refund is processed to your original payment method
– **Refund processing time: 7-10 business days**
– International transfers may take 10-15 business days depending on your bank

**Important:** Emails, chat, or other communication channels do NOT qualify for cancellation requests. **WhatsApp cancellation requests only.**

### 2.3 Cancellation by Client (After Session or No-Show)

**No Refund Cases:**

– **Client no-show:** No refund (consultant retained full payment)
– **Session already occurred:** No refund
– **Cancellation within 1 hour without WhatsApp proof:** No refund (consultant retained payment)

**Credit Alternative (for no-shows):**

If you miss a session without cancellation, you receive:
– **30% credit** toward future booking with same or different consultant
– Credit expires after 90 days
– Credit is non-transferable and cannot be converted to cash

### 2.4 Cancellation by Consultant

**Consultant Cancels <1 Hours Before Session:**

– You receive **full refund** plus **30% credit** toward future booking
– Total value: 130% of original payment
– Example: If you paid ₹1000, you get ₹1000 refund + ₹300 credit

**Consultant Cancels >1 Hours Before Session:**

– You receive **full refund** with no additional credit
– Refund processed within 24 hours
– Refund timeline: 7 business days

**Consultant No-Show:**

– You receive **full refund** + **100% credit** toward future booking
– You may also request a different consultant at no additional cost
– Chronic no-shows by consultants result in account suspension/termination

### 2.5 Rescheduling Instead of Cancellation

If you need to reschedule rather than cancel:

– **Rescheduling >24 hours before:** Free rescheduling to any available slot
– **Rescheduling <24 hours before:** Possible subject to consultant availability; platform fee may apply if rescheduling to premium time slot
– Same session fee applies (no additional charge)
– Contact BizCentralOrbit via WhatsApp to reschedule

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## 3. REQUIREMENT ANALYSIS SERVICE – REFUND POLICY

### 3.1 Posting Requirements and Receiving Proposals

When you post a Business Central requirement on BizCentralOrbit:

– No Refund

## 4. PAYMENT METHOD REFUNDS

### 4.1 Credit/Debit Card Refunds

– Refund initiated immediately upon approval
– Processing time: 7-10 business days (depends on card issuer)
– Refund appears in original card account
– Some banks may take additional 4-6 days for clearance

### 4.2 Bank Transfer Refunds

– Refund initiated within 24 hours of approval
– Processing time: 7-10 business days (NEFT/RTGS)
– International bank transfers: 10-15 business days
– Fees (if any) borne by client’s bank

### 4.3 Digital Wallet Refunds (Apple Pay, Google Pay)

– Refund linked to original payment method (card or bank)
– Processing follows standard card/bank timelines
– Additional wallet processing: 24-48 hours

### 4.4 Payment Processor Refunds (Stripe, PayPal, Razorpay)

– **Stripe:** 3-5 business days
– **PayPal:** 3-5 business days (may take up to 30 days for disputes)
– **Razorpay:** 2-3 business days

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## 5. REFUND REQUEST PROCESS

### 5.1 Initiating a Refund Request

To request a refund:

**Step 1:** Send refund request via WhatsApp to BizCentralOrbit
– Include: Session date/time, consultant name, reason for cancellation
– Request must include proof of cancellation (screenshot of message if via chat)
– WhatsApp requests are prioritized over email

**Step 2:** Email confirmation (optional but recommended)
– Send formal refund request to **info@bizcentralorbit.com**
– Include booking ID, session details, and reason
– Subject line: “Refund Request – [Your Name] – [Session Date]”

**Step 3:** Refund approval
– BizCentralOrbit reviews request within 24 hours
– Approval decision communicated via WhatsApp and email
– Approved refunds processed immediately

### 5.2 Refund Eligibility Checklist

Before submitting a refund request, ensure:

– [ ] Cancellation was within policy timeframe (within 1 hour for full refund)
– [ ] Cancellation was requested via WhatsApp (primary method)
– [ ] Session had not already occurred
– [ ] Deliverables had not been provided/downloaded
– [ ] No disputed quality issues (separate dispute process)

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## 6. DISPUTES AND CONTESTED REFUNDS

### 6.1 What Constitutes a Valid Dispute

Valid disputes include:

– Consultant did not appear for scheduled session (no-show)
– Session was not delivered as promised (quality issues)
– Payment was processed twice (duplicate charge)
– Unauthorized payment (suspected fraud)
– Technical platform error caused double-booking
– Session was cut off due to technical issues

### 6.2 Dispute Resolution Process

**Step 1: Contact BizCentralOrbit**
– Email: **info@bizcentralorbit.com**
– Subject: “Dispute – [Your Name] – [Session Date]”
– Include: Booking ID, detailed description, supporting evidence (screenshots, recordings if applicable)

**Step 2: Investigation**
– BizCentralOrbit reviews dispute within 7 business days
– Contact consultant for their account of incident
– Review session logs and platform records

**Step 3: Resolution**
– Fair resolution based on evidence (refund, credit, or denial)
– Decision communicated within 14 days
– Either party may appeal within 7 days if unsatisfied

**Step 4: Arbitration**
– If dispute cannot be resolved amicably
– Binding arbitration per Terms and Conditions
– Arbitration venue: Jaipur, Rajasthan, India

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## 7. REFUND TIMELINES AND EXPECTATIONS

### 7.1 Processing Timeline Summary

### 7.2 Important Notes on Refund Timing

– **BizCentralOrbit is NOT responsible for delays caused by your bank or payment processor**
– If refund appears to be delayed:
– Check with your bank first (they may be processing slowly)
– Verify correct account/card details
– Check for spam/promotional folders if email notification was sent
– Contact BizCentralOrbit after 7 business days if still pending

– **Refund amounts are in original currency**
– International refunds may be subject to currency conversion
– Conversion rates determined by your bank
– BizCentralOrbit is not responsible for currency loss/gains

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## 8. NON-REFUNDABLE ITEMS

The following services and purchases are **FINAL SALE – NON-REFUNDABLE:**

– **Downloaded Resources:** PDFs, booklets, whitepapers, recorded videos (once downloaded)
– **Live Session Recordings:** Once recorded and access provided
– **Learning Materials:** Courses, blog subscriptions, community access
– **Promotional Items:** Gift cards, vouchers, promotional credits (once activated)
– **Third-Party Services:** Licenses, integrations with external tools purchased through platform
– **Data Already Provided:** Consulting advice, analysis already delivered
– **Newsletter Subscriptions:** Monthly or annual subscriptions (paid access to exclusive content)

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## 9. SPECIAL CIRCUMSTANCES AND EXCEPTIONS

### 9.1 Emergency Cancellations

If you experience a genuine emergency and cannot attend a session:

– Contact BizCentralOrbit immediately via WhatsApp
– Provide explanation (medical emergency, family crisis, system failure, etc.)
– Full refund may be granted at BizCentralOrbit’s discretion
– Consultant may choose to offer free rescheduling as goodwill

### 9.2 Technical Issues

If session is cancelled or interrupted due to technical problems:

**Caused by client’s connection:**
– No refund (subject to rescheduling)
– Session time is forfeited (use credit option)
– Can reschedule to different time at no additional charge

**Caused by consultant’s connection or platform:**
– Full refund OR free rescheduling (client’s choice)
– If refund selected, processed within 24 hours
– Client may also request different consultant

**Caused by payment processor or third-party:**
– Full refund investigated case-by-case
– Usual outcome: refund or credit option

### 9.3 Duplicate Payments

If you are charged twice for the same session:

– Full refund of duplicate charge immediately
– No approval needed; automatic reversal
– Investigate to prevent future duplicate charges
– Additional $20 credit as apology for inconvenience

### 9.4 Unauthorized or Fraudulent Transactions

If you did not authorize a payment:

– Contact BizCentralOrbit immediately
– Provide evidence (screenshot, email dispute, payment confirmation)
– Full investigation conducted
– Chargeback supported if fraud confirmed
– Account security reviewed to prevent future incidents

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## 10. CONSULTANT PAYMENT PROCESSING

### 10.1 Consultant Earnings

Consultant earnings are processed after session completion:

– Sessions completed: Consultant earns as discussed rate.

### 10.2 Consultant Refund Responsibility

If a full client refund is issued:

– Consultant amount is deducted from consultant earnings
– If consultant has not yet been paid: deduction from next payment
– If consultant already paid: refund request sent to consultant (rare case)
– Chronic refunds may affect consultant rating and commission

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## 11. TAX AND CURRENCY CONSIDERATIONS

### 11.1 Refund Tax Implications

– Refunds are not taxable (reversal of original transaction)
– Tax invoices may be required for compliance (request from BizCentralOrbit)
– GST/VAT: If originally charged, refund includes GST/VAT reversal
– Consult local tax authority for reporting requirements

### 11.2 International Currency Refunds

If you paid in a currency different from your local currency:

– Refund processed in original payment currency
– Currency conversion fee may apply (charged by your bank, not BizCentralOrbit)
– BizCentralOrbit uses live exchange rates; not responsible for conversion differences
– Example: Paid $100 USD → Refund in $100 USD (INR conversion by your bank)

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## 12. APPEAL PROCESS

### 12.1 Appealing a Denied Refund

If your refund request is denied, you may appeal:

**Step 1:** Request formal appeal
– Email **info@bizcentralorbit.com** with subject “Appeal – Refund Denial – [Your Name]”
– Include original request, denial reason, and new evidence/explanation

**Step 2:** Senior review
– Senior BizCentralOrbit staff review appeal within 7 days
– May contact you for additional information

**Step 3:** Final decision
– Appeal decision communicated within 14 days
– Decision is final; further appeals go to arbitration

### 12.2 Dispute Resolution

If neither party agrees with final decision:
– Escalate to mediation or arbitration per Terms and Conditions
– Arbitration venue: Jaipur, Rajasthan, India
– Arbitration decision is binding and final

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## 13. MODIFICATIONS TO REFUND POLICY

BizCentralOrbit reserves the right to modify this Refund and Cancellation Policy at any time.

– Changes effective upon posting to website
– Material changes (e.g., reduced refund window, new fees) announced 30 days in advance
– Users may terminate account if they disagree with new policy
– Continued use after policy change = acceptance of new terms

**Last Policy Update:** April 1, 2026

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## 14. POLICY APPLICABILITY

This Refund and Cancellation Policy applies to:

– ✅ Live 1-on-1 consulting sessions
– ✅ Requirement analysis service bookings
– ✅ Analysis discussion sessions
– ✅ Trainer/educational consultations
– ✅ Paid technical reviews and assessments

**Does NOT apply to:**

– ❌ Free consultations or initial discovery calls
– ❌ Downloaded resources (once provided)
– ❌ Community forum membership
– ❌ Third-party service cancellations

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## 15. CONTACT AND SUPPORT

For refund inquiries, cancellation requests, or disputes:

**BizCentralOrbit Support**
📞 **WhatsApp:** Available through platform (preferred for urgent cancellations)
📧 **Email:** **info@bizcentralorbit.com**
🌐 **Website:** **www.bizcentralorbit.com**

**Response Times:**
– WhatsApp: Within 30 minutes (during business hours)
– Email: Within 24 hours
– Weekends: Responses on next business day

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## 16. ACKNOWLEDGMENT

By using BizCentralOrbit services, you acknowledge that you have:

– ✅ Read and understood this Refund and Cancellation Policy
– ✅ Agree to process refund requests via WhatsApp for sessions within 1 hour
– ✅ Accept 5-7 business day refund processing timelines
– ✅ Understand non-refundable items
– ✅ Accept payment processor delays are not BizCentralOrbit’s responsibility

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**Thank you for choosing BizCentralOrbit for your Business Central consulting needs.**

**Last Updated:** April 1, 2026
**Version 1.0**