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Refund Policy

Effective Date: 16 September 2026

This Refund Policy applies to purchases made through www.whitestonegroup.in and/or any official sales channel operated or authorised by whitestonegroup.in.

1. 7-Day Refund Window

You may request a refund within 7 calendar days from the original purchase date (“Refund Window”).

Any refund request received after the Refund Window will not be eligible for a refund, except where required under applicable law.

2. How to Request a Refund

All refund requests must be submitted through our official support channel within the applicable Refund Window.

Email:

[email protected]

Please include the following information in your refund request:

Our team may review and verify relevant information before approving a refund, including:

Once the refund request is verified and approved, we will initiate the eligible refund amount.

3. Refund Processing Timeline

Once a valid refund request has been reviewed, verified and approved, the refund will generally be initiated within 7 working days.

For the purpose of this Refund Policy, “Working Days” generally means Monday to Friday, excluding applicable public holidays.

Please note that the time required for the refunded amount to appear in your account may depend upon:

Any delay caused by a bank, payment provider, lender or third-party financing partner after we have successfully initiated the refund will be subject to that provider's policies and processing timelines.

4. Refund Amount and Applicable Deductions

The final refundable amount may depend upon the portion of the consulting service, advisory program, mentorship or associated resources that have already been delivered, accessed, consumed or utilised.

A. Consulting / Advisory Services

If consulting, strategy, advisory, business-growth, mentorship or implementation-related services have already commenced, the refund may be adjusted based on the services already delivered.

This may include:

The value of services already delivered may be deducted on a pro-rata or service-delivered basis.

B. Digital Resources / Intellectual Property

As part of our consulting services, clients may receive access to digital resources, proprietary frameworks, templates, recordings, documents, systems, training resources, worksheets, presentations or other intellectual property.

Where substantial proprietary material has already been accessed, downloaded, received or utilised, the corresponding value may be deducted from any eligible refund, subject to applicable law.

C. Completed Deliverables

Where a specific consulting deliverable has already been completed and provided to the client, its reasonable value may be deducted from the refundable amount.

Examples may include:

5. Payments Through EMI / BNPL / Third-Party Financing

This section applies where your purchase was made through financing arrangements such as:

5.1 Refund Destination

Refunds are generally processed back to the original payment source used for the transaction.

For transactions made using EMI, BNPL or third-party financing, the refund may be transferred to the applicable:

rather than directly to your personal bank account.

5.2 Your EMI / Loan Responsibility

Until your lender or financing partner formally confirms cancellation, adjustment or closure of your financing account, you remain responsible for complying with the applicable financing agreement.

This may include responsibility for:

whitestonegroup.in is not responsible for any penalty or additional cost caused by your failure to comply with your financing provider's payment obligations before formal adjustment or closure.

5.3 Third-Party Charges

Any charges imposed independently by a:

such as processing fees, convenience fees, interest, financing charges, late fees or penalties, are governed by the respective third party's terms.

Such third-party charges may not be refundable by whitestonegroup.in, except where refund of such charges is required under applicable law.

5.4 Financing Cancellation or Closure

Approval of a refund by whitestonegroup.in does not automatically result in cancellation or closure of your financing arrangement.

The financing provider's own cancellation, adjustment and closure procedure will apply.

Customers are advised to independently confirm loan or EMI closure directly with their financing partner.

6. Non-Refundable / Ineligible Circumstances

A refund may be declined, reduced or considered ineligible in circumstances including:

This section remains subject to rights and remedies available under applicable law.

7. Chargebacks and Payment Disputes

If a chargeback, payment dispute or reversal request is initiated through a bank, lender, credit card issuer, payment gateway or other payment provider while a refund request is already under review, we may temporarily pause the internal refund process.

The refund process may remain paused until the external dispute or chargeback has been:

This is intended to prevent duplicate refunds or duplicate payment reversals.

whitestonegroup.in reserves the right to provide relevant transaction records, consulting-delivery records, attendance information, communication records, access information and other supporting evidence to payment providers in response to a legitimate payment dispute or chargeback.

8. Special Clause - Consulting Services for Coaches, Trainers and Business Professionals

whitestonegroup.in provides professional consulting, advisory, strategy, mentorship and business-growth services primarily for:

Our consulting engagements may include a combination of:

Because consulting services involve professional time, intellectual input, strategy development and customised recommendations, the refund amount may be adjusted where any part of the consulting engagement has already been delivered.

Where a client has already attended or utilised consulting sessions, strategy calls, assessments, personalised reviews or received customised deliverables, the value of those services may be deducted from any otherwise eligible refund.

Approval of a refund does not grant the client continued rights to use proprietary materials, confidential frameworks, internal systems, customised intellectual property or other restricted resources where such rights were dependent upon continued participation in the consulting engagement.

8.3 Payment Mode

The refund conditions under this Policy apply regardless of the payment method used to purchase consulting, advisory, mentorship or related services from whitestonegroup.in.

This includes:

Where EMI, BNPL or third-party financing has been used, any approved refund will be processed in accordance with Section 5 of this Refund Policy.

Where a client has selected an instalment or part-payment plan, cancellation or discontinuation of the consulting engagement does not automatically waive amounts contractually due for services already delivered, resources already provided or obligations expressly agreed to at the time of purchase, subject to applicable law.

9. No Guarantee of Business Results

Consulting, advisory and mentorship services provided through whitestonegroup.in are intended to provide strategic guidance, frameworks, education, recommendations and professional support.

Business outcomes depend upon multiple factors, including the client's:

Accordingly, whitestonegroup.in does not guarantee any specific revenue, profit, sales, customer acquisition, business-growth or financial result, unless expressly stated in a separate written agreement.

A client's failure to achieve a particular financial or business outcome by itself does not constitute grounds for a refund.

Any examples, testimonials, case studies, revenue figures or business results shown in connection with our services represent specific experiences and should not be interpreted as a guarantee that every client will achieve the same or similar results.

10. Refund Verification

All refund requests are subject to reasonable verification.

Verification may include review of:

Providing incorrect, incomplete or misleading information may delay or affect the processing of a refund request.

11. Refund Approval

Submission of a refund request does not automatically guarantee approval.

Refund eligibility and the refundable amount will be determined based upon:

whitestonegroup.in reserves the right to approve, partially approve or decline refund requests following appropriate verification, while complying with applicable consumer protection, payment and other legal requirements.

12. Changes to this Refund Policy

whitestonegroup.in may update or modify this Refund Policy from time to time.

Any updated Refund Policy will be published on:

www.whitestonegroup.in

Changes will apply from the effective date stated in the updated Refund Policy, subject to applicable law.

Terms applicable to an existing transaction may also be governed by the conditions disclosed to the customer at the time of that Purchase.

13. Contact Us

For refund requests, payment-related queries or assistance regarding this Refund Policy, please contact:

whitestonegroup.in

Website: www.whitestonegroup.in

Email: [email protected]

By purchasing consulting, advisory, mentorship or related services through whitestonegroup.in or its authorised sales channels, you acknowledge that you have had an opportunity to review this Refund Policy and understand the applicable refund conditions.

whitestonegroup.in reserves the right to approve, partially approve or decline refund requests after verification, subject to applicable consumer protection, payment and other applicable regulations.