Cancellation and Refund Policy
When you get your money back, how long it takes, and who to talk to first.
Last updated 5 September 2026.
This page applies to everything bought from Doctor of Laxmi, a division of Saray And Valley. It sits alongside the Terms and Conditions.
The short version
| What | When you cancel | What you get |
|---|---|---|
| Business Workshop ₹10,000 + GST |
More than 48 hours before the Workshop | Full refund, including the GST |
| Inside the last 48 hours | Your seat moves to the next Workshop. No cash refund | |
| You cannot attend on the day | Your seat moves to the next Workshop. Just tell us | |
| We move the date | Take the new date, or a full refund, or hold the ₹10,000 as credit against the MasterClass | |
| Business MasterClass ₹1,00,000 + GST |
14 days or more before Day 1 | Full refund, or your seat moves to the next batch. Your choice |
| Inside 14 days | Your seat moves to the next batch, or send a colleague from the same Hospital in your place | |
| We move the date | Take the new date, or a full refund | |
| Mentorship, Advisory, team training |
As set out in the signed engagement document | Notice period and fees per that document |
1. The Business Workshop
Up to 48 hours before the Workshop. Cancel at any point up to 48 hours before the Workshop starts and you get everything back including the GST. It does not matter when you paid. No reason needed, no questions.
Inside the last 48 hours the ₹10,000 stays against your name as a credit rather than coming back as cash. It moves to the next Workshop date, or it credits against a MasterClass seat. The room is capped at 20 and your written diagnosis has already been built by then, which is the honest reason for the line.
If you simply cannot make it on the day, you do not lose anything. Tell us before or after, and the seat moves to the next Workshop at no extra cost.
2. The Business MasterClass
No money is taken on the website. A seat exists only once the invoice is settled.
- 14 days or more before Day 1: a full refund of the fee and the GST, or your seat moves to the next batch. Your choice, and you do not have to give a reason.
- Inside 14 days: your seat moves to the next batch, or you may send a colleague from the same Hospital in your place. Tell us the name before the day so the joining link is right.
- Materials already issued are not returnable and are not deducted from a refund.
3. If we move or cancel
If Doctor of Laxmi changes a date or cancels a session, you are not out of pocket. Take the new date, or take a full refund of everything you paid. We will tell you on WhatsApp and by email as soon as we know.
We do not charge you a cancellation fee for a change we made.
4. How a refund is processed
| Step | Timeline |
|---|---|
| You ask, by email or WhatsApp. Give the name you booked in and the payment reference | — |
| We acknowledge and give you a reference number | Within 48 hours |
| We approve or come back with a question | Within 3 business days |
| We initiate the refund with the payment gateway | Within 5 business days of approval |
| The money reaches your account | Normally 5 to 7 business days after that, depending on your bank or card issuer |
- That last leg sits with Razorpay and your bank, not with us. Where it runs longer, we will chase it and keep you posted.
- Refunds are made to the original payment method only. We cannot refund to a different account.
- Where GST was charged, the GST comes back with the fee and a credit note is issued.
- We do not deduct a processing or administration fee from a refund.
5. Before you raise a chargeback, please talk to us
Almost everything that turns into a chargeback is a joining link that did not arrive or a date that moved, and both of those are fixed in one phone call. A chargeback takes weeks, costs both sides, and the seat is usually still sitting there with your name on it.
Write to mehirr@doctoroflaxmi.com or WhatsApp +91 6364 999 555 first. We will answer.
If you do raise a dispute with your bank or card issuer, we will cooperate fully with them and give them whatever they ask for. Your access to the session may be held while the dispute is open. Nothing on this page takes away your right to go to your bank.
6. The payment gateway
Payments on this website are processed by Razorpay Software Private Limited. Accepted methods are the ones Razorpay presents at checkout, which normally include UPI, debit and credit cards, net banking and wallets. There are no recurring payments and no auto-debit on anything we sell, so there is nothing to cancel.
For a payment-side issue you may also go to Razorpay directly, alongside coming to us:
| Level | Who | Where |
|---|---|---|
| 1 | Razorpay customer support | razorpay.com/support |
| 2 | Assistant Nodal Officer, Ms. Rogini Selvaraj | razorpay.com/grievance-email |
| 3 | Nodal Officer, Mr. Vijay Thakral, Compliance Officer | razorpay.com/pa-nodal-email |
Razorpay's address for these: No. 22, 1st Floor, SJR Cyber, Laskar-Hosur Road, Adugodi, Bangalore 560030. These contacts were taken from Razorpay's published Customer Grievance Redressal Policy and may change.
7. If you are not satisfied with how we handled it
Grievance Officer
Mehirr Nath Choppra, Proprietor
Saray And Valley, 3rd Floor, No. 759, 8th Main Road, JP Nagar Phase 3, Bengaluru, Karnataka 560078
mehirr@doctoroflaxmi.com ·
+91 6364 999 555
We acknowledge every complaint within 48 hours and give you a reference number in that acknowledgement. We work to close it within one month of receiving it.
If you are still not satisfied, you may take it to the National Consumer Helpline on 1915 or at consumerhelpline.gov.in, or to the consumer commission with jurisdiction over you.
8. Governing law
This policy is governed by Indian law, and the courts at Bengaluru, Karnataka have jurisdiction. Nothing here takes away a right you have under the Consumer Protection Act, 2019.