Refund & Cancellation Policy

This Refund & Cancellation Policy (“Policy”) governs all financial transactions on the Antarjyoti platform, including donations made to crowdfunding campaigns and fee payments for Antarjyoti Model education programs (the Basic Awakening Webinar and The Next Level residential program).

Antarjyoti acts as a technology platform facilitating transactions between Donors and Campaign Organizers. Payment processing is handled by Razorpay, a licensed payment aggregator. All transactions are subject to Razorpay’s processing timelines and capabilities.

By making any payment on the Platform, you acknowledge that you have read and agreed to this Policy. If you have questions, please contact us at info@antarjyoti.org before completing your transaction.

Donations to crowdfunding campaigns on Antarjyoti are generally non-refundable.

When you donate to a campaign, your contribution goes directly toward supporting the verified cause. Because funds are often immediately earmarked for the beneficiary’s urgent needs (such as medical treatment, education fees, or disaster relief), routine refund requests cannot be accommodated.

By completing a donation, you:

• Acknowledge that you are making a voluntary contribution to the stated cause.
• Accept that Antarjyoti cannot guarantee how Campaign Organizers ultimately use the donated funds, though we conduct KYC verification and campaign review to reduce the risk of misuse.
• Agree that you will not initiate a chargeback with your bank or card issuer for a genuine, successful donation without first contacting Antarjyoti. Unjustified chargebacks may result in account suspension.

Notwithstanding the general policy above, Antarjyoti may, at its sole discretion, issue a refund for a donation in the following specific circumstances:

3.1 Duplicate or Erroneous Charges

If you were charged more than once for the same donation due to a technical error, or if a payment was debited but the donation was not recorded in our system, we will investigate and process a full refund for the duplicate or erroneous charge.

How to report: Contact us within 7 days of the transaction with your payment reference ID (found in your Razorpay receipt), the amount charged, and your registered email or phone number.

Timeline: Verified refunds will be initiated within 5–7 business days and will reflect in your account within 7–10 additional business days depending on your bank.

3.2 Campaign Cancelled Before Any Payout

If a campaign is cancelled or withdrawn by the Campaign Organizer before any portion of the funds has been paid out to the organizer, Antarjyoti will initiate refunds to all Donors who contributed to that campaign.

Refunds in this case will be processed to the original payment method within 10–15 business days of the campaign cancellation. Platform processing fees deducted at the time of donation may not be refunded as they represent the cost of providing payment infrastructure.

3.3 Campaigns Found to Be Fraudulent

If Antarjyoti determines, through investigation, that a campaign was created fraudulently or with material misrepresentation, we will:

• Immediately suspend or remove the campaign and freeze any pending payouts.
• Notify Donors of the finding and the steps being taken.
• Make reasonable efforts to recover and return funds to Donors from any amounts not yet disbursed. If funds have already been disbursed to the organizer, recovery may be limited and subject to legal proceedings.
• Report the organizer to relevant law enforcement authorities where warranted.

Antarjyoti is not liable for losses arising from fraudulent campaigns where funds have already been disbursed. We strongly encourage Donors to review campaigns carefully before donating.

3.4 Technical Failure by Antarjyoti

If a payment fails due to a demonstrable error on Antarjyoti’s systems but your bank account or card was still debited, we will investigate and coordinate with Razorpay to reverse the charge as quickly as possible.

Refunds will generally not be issued in the following situations:

• Change of mind after a successful donation to a genuine, active campaign.
• Dissatisfaction with the campaign’s progress or the organizer’s communication, unless fraud is established.
• Donations made after the campaign’s target was met or after the campaign ended.
• Donations made using incorrect personal details or to the wrong campaign (exercise care before confirming).
• Requests made more than 30 days after the transaction date, except in the case of fraud investigation.
• Donations where the payment was processed successfully and the Campaign Organizer has already received a payout.

The following policy applies to enrollment fees for Antarjyoti Model programs:

5.1 Basic Awakening Webinar

• Cancellation 7+ days before the program start date: Full refund, less any payment processing fees charged by Razorpay.
• Cancellation 3–6 days before the program start date: 50% refund of the enrollment fee.
• Cancellation less than 3 days before or after the program starts: No refund. You may be offered a transfer to a future batch at Antarjyoti’s discretion.
• Batch cancelled by Antarjyoti: Full refund of the enrollment fee within 7 business days, or a free transfer to the next available batch (your choice).

5.2 The Next Level — Residential Program

• Cancellation 30+ days before the program start date: Full refund, less a non-refundable registration/processing fee of ₹2,000 and any Razorpay processing charges.
• Cancellation 15–29 days before the program start date: 50% refund of the total enrollment fee.
• Cancellation 8–14 days before the program start date: 25% refund of the total enrollment fee.
• Cancellation less than 7 days before or after commencement: No refund.
• Program cancelled or significantly modified by Antarjyoti: Full refund within 10 business days.

To cancel a program enrollment, send a written request to info@antarjyoti.org with the subject line “Program Cancellation — [Your Name] — [Program Name].”

To request a refund for any eligible transaction, please follow these steps:

1. Email us at info@antarjyoti.org with the subject line “Refund Request — [Transaction Date].”
2. Include the following in your email:
   • Your full name and registered email address or phone number
   • The payment/order reference ID (from your Razorpay receipt or email confirmation)
   • Date and amount of the transaction
   • Reason for the refund request
   • Any supporting evidence (e.g., screenshot of duplicate charge, error message)
3. Acknowledgement: We will acknowledge your request within 2 business days.
4. Review: We will review your request within 5–7 business days and communicate our decision.
5. Processing: Approved refunds will be initiated within 5 business days of approval and credited to your original payment method. Bank processing times may add an additional 5–10 business days.

Alternatively, you may use our Contact Form or call us at +91-8962973503 (Monday–Saturday, 8:30 AM – 8:30 PM IST).

All approved refunds will be:

• Credited to the original payment method used for the transaction (credit card, debit card, UPI, net banking, or wallet) via Razorpay.
• Processed in Indian Rupees (INR) only.
• Net of any non-recoverable payment processing fees charged by Razorpay, unless the refund is due to Antarjyoti’s error.

Razorpay refund timelines by payment method (approximate):

These are estimates provided by Razorpay. Actual timelines may vary based on your bank or payment provider.

We encourage you to contact us directly before raising a chargeback with your bank or card network. Unjustified chargebacks on genuine donations or program fees may result in:

• Suspension or permanent ban of your Antarjyoti account.
• Recovery of the chargeback amount through legal means, including referral to a debt collection agency.

If you believe a transaction is genuinely unauthorised or fraudulent (e.g., your account was compromised), please contact us immediately at info@antarjyoti.org AND report it to your bank. We will cooperate fully with your bank’s investigation.

Antarjyoti reserves the right to modify this Refund & Cancellation Policy at any time. Changes will be posted on this page with an updated effective date. The policy in effect at the time of your transaction will govern that transaction. Continued use of the Platform after changes are posted constitutes your acceptance of the revised Policy.

For all refund inquiries, please contact us: