This Refund Policy governs the refund of professional fees paid to Namuwala Consulting LLP ("Namuwala", "we", "our") for services availed through our website, over phone, email, WhatsApp or in person.

By making a payment to Namuwala, you confirm that you have read, understood and agreed to this Refund Policy.

This Policy must be read together with our Terms of Service and the engagement letter or quotation issued to you.

We are a professional services firm. The bulk of our work - opinions, advisory, drafting, filings and follow-ups - is delivered through the time of qualified Chartered Accountants, Company Secretaries and tax professionals.

Once that time is spent, it cannot be reclaimed. Our refund terms reflect this reality, while still being fair to clients who choose to discontinue early or who experience service shortfalls on our side.

You may request a refund of the professional fee in any of the following circumstances:

(a) Cancellation before work has commenced - if you raise a written cancellation request within 7 days of payment AND before any meaningful work (consultation, document review, drafting, filing or correspondence with authorities) has been undertaken, you are eligible for a refund of 100% of the professional fee, less payment-gateway charges.

(b) Partial work performed - if work has commenced but is not complete, an equitable refund will be made after deducting the value of work already performed, time spent and any third-party costs already incurred.

(c) Service shortfall on our side - if we are unable to deliver the service due to a deficiency on our part that is not attributable to client delays, missing documents or external rejections, the unutilised portion of the professional fee will be refunded.

The following amounts are non-refundable under any circumstances:

(a) Government fees, stamp duty, statutory charges and any payments made on your behalf to the MCA, GST portal, Income-tax portal, Trademark Registry, DPIIT, ROC, banks or any other authority.

(b) Digital Signature Certificate (DSC) charges, name reservation fees, courier charges and any third-party costs incurred on your engagement.

(c) Fees for services already rendered, including consultations, drafts shared, filings submitted, certificates issued or advisory delivered.

(d) Subscription-based recurring services such as monthly accounting, monthly GST filing or monthly payroll, once the relevant period has commenced.

(e) Payment gateway / processing charges deducted by the payment service provider.

Refunds will not be processed in the following situations:

Delays caused by the client in sharing requested documents, KYC, signatures or approvals.

Rejection by an authority due to incorrect or incomplete information furnished by the client.

Change of mind regarding the structure (e.g., switching from LLP to Pvt Ltd) after work has commenced - in such cases the work done will be adjusted against the new engagement.

Services where statutory timelines have elapsed because of factors outside our control, including portal downtime, government processing time, postal delays, force majeure or department-side queries.

Engagements where unethical, misleading or factually incorrect information was provided to us at onboarding.

Step 1 - Submit a written refund request to hello@namuwala.in with your invoice number, payment reference and the reason for the request.

Step 2 - Our team will acknowledge your request within 2 working days and review the engagement to determine the eligible refund amount in line with this Policy.

Step 3 - A refund decision will be communicated to you within 7 working days of acknowledgement. If approved, the refund will be initiated to the original payment method within 7-10 working days of approval.

Step 4 - Depending on your bank and payment method, the refunded amount will reflect in your account within 5-10 working days from the initiation date.

If you are dissatisfied with our refund decision, you may escalate the matter to our Grievance Officer at hello@namuwala.in. We will reconsider the matter in good faith and respond within 15 working days.

Any unresolved dispute shall be subject to amicable resolution through discussion. Failing that, the courts at Ahmedabad, Gujarat shall have exclusive jurisdiction.

Namuwala reserves the right to modify this Refund Policy at any time. The latest version will always be available on this page with a revised effective date. Refund requests are governed by the version of the Policy in force at the time of payment.

For refund-related queries, please write to hello@namuwala.in or call +91 98765 43210 between Monday and Saturday, 10:00 AM to 7:00 PM IST.