Refund & Cancellation Policy

This policy applies only to amounts paid directly to NammaGuide for a service where NammaGuide is identified as the provider. It does not apply to money paid to Kustodian.Life. Kustodian.Life collects its own operational-service charges and handles cancellation and refund requests for those payments under its own disclosed terms.

Check who received your payment

Your invoice, receipt, bank statement, UPI confirmation, or payment request should identify the recipient. Contact NammaGuide only for a payment received by NammaGuide. Contact Kustodian.Life directly for a payment received by Kustodian.Life. NammaGuide cannot refund money it did not collect.

Service charges are not government fees

NammaGuide charges are custom and confirmed in writing before work begins. They are not government fees, bribes, facilitation payments, approval fees, or payments to any public servant. Official fees must be paid only through authorised official channels.

Cancellation before work starts

If you cancel before we begin reviewing your issue, preparing guidance, checking documents, or spending time on the requested support, you may request a refund of the paid service charge, after deduction of any unavoidable payment gateway or transaction charges where applicable.

After work has started

Once we have started reviewing your issue, preparing a checklist, providing guidance, analysing screenshots, drafting communication points, or giving assisted support, the fee may be non-refundable or partially refundable depending on the work already completed.

No refund for government outcomes

Refunds are not available merely because a government authority delays, rejects, asks for more documents, changes requirements, keeps a portal down, or makes a decision you disagree with. Such outcomes are outside our control.

Duplicate or failed payments

If you believe you made a duplicate payment or were charged for a failed transaction, contact us with payment proof, date, amount, phone number, and transaction reference. Valid duplicate payments will be refunded after verification.

How to request a refund

For a payment made to NammaGuide, send your refund request through the Contact page with your name, phone number, payment proof, transaction reference, service requested, and reason for refund. For a Kustodian.Life payment, use the contact and refund route shown in its scope, invoice, receipt, or payment confirmation.

Refund method and timing

Approved refunds will normally be returned to the original payment method where possible. Bank, UPI, card, wallet, or payment gateway timelines may vary and are outside our control.

Abuse and false information

We may refuse refunds where the request involves false information, unauthorised documents, abusive behaviour, unlawful requests, misuse of support, or violation of our Terms & Conditions.