Refund Policy - Panic Support Services

This Policy applies exclusively to all Panic Support service plans, packages, deposits, or subscriptions purchased directly from the Company for individuals, couples, or families.

This Policy forms an integral part of the Company's Terms and Conditions and must be read in conjunction with all applicable policies, service descriptions, disclaimers, and notices issued by the Company.

Panic Support is an on-call, availability-based emergency assistance and coordination service, not an insurance product, medical service, or guarantee of hospital admission or treatment.

Fees paid are primarily for service readiness, infrastructure, coordination capability, and availability, irrespective of whether the service is ultimately used.

A refund request may be considered only if all of the following conditions are met:

• A formal refund request is submitted through the Company's official App or Web Platform.
• The applicable lock-in period, as defined under Clause 4, has been fully completed.

All refund requests are subject to internal verification, validation, and review and shall be processed solely at the discretion of the Company.

Submission of a refund request does not guarantee approval.

All payments made towards Panic Support Services, including deposits and subscription fees, are subject to a mandatory lock-in period of one (1) year commencing from the date of successful payment confirmation.

No refund shall be processed prior to the completion of the lock-in period, except where expressly approved in writing by an authorised representative of the Company.

The following charges are strictly non-refundable under all circumstances:

• Filing charges.
• Administrative charges.
• Platform or onboarding charges.
• Processing or convenience fees.

Any refundable amount, if approved, shall be limited to the package cost minus all non-refundable charges.

Scenario 1 - Application Rejected by the Company

Refund Amount: Amount paid excluding non-refundable charges.

Scenario 2 - Refund Request After Completion of Lock-In Period

Refund Amount: Package cost only; all non-refundable charges remain deducted.

Approved refunds shall be processed within seven (7) to ten (10) business days from the date of approval.

Refunds shall be credited only to the original mode of payment used by the client.

Actual credit timelines are subject to the policies of banks, payment gateways, or financial institutions and are outside the Company's control.

No refund shall be granted where Panic Support services have been deployed and:

• The user was transported to or assisted at a healthcare facility or location.
• The situation was subsequently classified as non-emergency or did not result in hospital admission.

In such cases, the service shall be deemed successfully rendered, and the client forfeits any refund entitlement.

Continued access to Panic Support services thereafter shall require renewal or continuation of the subscription.

Upon approval and processing of any refund, the client's Panic Support service contract shall stand terminated immediately.

The client shall no longer be entitled to access or use Panic Support services post-refund.

The Company reserves the absolute and unconditional right to accept or reject any application for Panic Support Services without assigning any reason.

In case of rejection, refunds, if applicable, shall be processed subject to deductions outlined in Clause 5.

Users may nominate a person ("Nominee") during registration to receive any refundable balance in the event of the user's demise.

If no Nominee is registered, refunds, if any, shall be released to the legal heir(s) upon submission of valid legal documentation as required by the Company.

The Company does not warrant uninterrupted, error-free, or delay-free operation of the Platform or Services.

Users must promptly report any technical or operational issues.

Any resolution, including refunds, credits, or service adjustments, shall be determined solely at the Company's discretion.

For refund-related queries, clients may contact:

• Email: support@namahaom.com
• Response Time: Typically within 12-24 business hours.

This Policy shall be governed and interpreted in accordance with the laws of India.

All disputes shall be subject to the exclusive jurisdiction of the competent courts in Mumbai, Maharashtra.

If any provision of this Policy is held invalid or unenforceable, the remaining provisions shall remain valid and enforceable.

• San Lak Services Private Limited
• Email: support@namahaom.com