REFUND POLICY

This Refund Policy is part of the Terms and Conditions and shall be read and understood along with the Terms of Conditions. By clicking on I agree to the Terms of Use it is deemed that you have read, understood, and agreed to the terms of this Policy as well. All capitalized terms used hereunder shall have the same meaning assigned to them under the Terms of Conditions unless otherwise defined or contrary to context used therein.

All services listed under a particular category on the Website may not have the same refunds policy. For all refunds policy, provided on the specific service page shall prevail over these general refunds policy. Do refer to the respective service's applicable refunds policy on the specific page for any exceptions to this refunds policy and the table below.

1. Refunds to Clients can be raised in any of the following scenarios:

• If the Client doesn’t want the chosen service and cancels the appointment before the rendering of the service by Arete within the timelines specified thereunder.

• Also, when a service is not available or Arete or its service provider is unable to provide the service requested by the Client, refund will be provided.

• All refunds shall be processed and returnable only after deducting all the processing fees, payment gateway charges, admin fees, and cost of resources for the work done.

2. Refunds are issued using the payment method used at the time of booking the appointment.

Payment Method	Refund Method	Refund Time frame
Credit Card/ Debit Card	Credit Card/ Debit Card	2 working weeks
Net Banking	Net Banking Account	2 working weeks

3. You understand and agree that the Payment Facility may not be available in full or in part for certain category of products and/or services and/or Transactions as mentioned in the Policies and hence any entitlement for a refund shall only in accordance with the policies that are in existence at that point of time.

4. Refund shall be made through the same Issuing Bank from where transaction price was received.

5. Refunds shall only be made in Indian Rupees as per our applicable polices.

6. For electronics payments, refund shall be made through payment facility using NEFT / RTGS or any other online banking / electronic funds transfer system approved by Reserve Bank India (RBI).

7. Refunds shall be subject to Client complying with Arete’s policies.

8. Arete and any of its service provider shall not be liable to the Client for any cessation, interruption, or delay in the performance of its obligations by reason of earthquake, endemic, pandemic, flood, fire, storm, lightning, drought, landslide, hurricane, cyclone, typhoon, tornado, natural disaster, act of God or the public enemy, epidemic, famine or plague, action of a court or public authority, change in law, explosion, war, terrorism, armed conflict, labour strike, lockout, boycott or any other event beyond our reasonable control, whether foreseen or unforeseen (each a “Force Majeure Event”).

9. No refund shall be made on account of a Force Majeure Event.