Refund & Cancellation Policy

1. The rules at a glance

This policy applies to everything sold on Bharat Kist, which is operated by LAST FLIGHT SOLUTION LIMITED (CIN U96090UT2026PLC020874, GSTIN 05AAGCL7359E1ZF). Refunds are made by us, to you, on the payment method you used.

Situation	What happens	Timing
Session cancelled 24+ hours before the scheduled time	Full refund, or free reschedule — your choice	5–7 business days
Session cancelled less than 24 hours before	One free reschedule. No refund if you also miss the rescheduled slot	—
You do not attend, without notice	No refund — the consultant's time was reserved	—
We cancel or reschedule at short notice	Full refund or a new time, entirely your choice	5–7 business days
Session delivered	Not refundable — the service has been provided	—
Membership cancelled	Stops the next renewal. Access continues to the end of the paid period	Immediate
Duplicate or failed payment	Full refund of the duplicate charge	5–7 business days
Your Expert becomes unavailable	A different Expert, a new time, or a full refund — your choice	5–7 business days

Your refund always comes from Bharat Kist. You paid us, so we refund you. You never have to chase an Expert for money, and how the refund is settled between us and the Expert is our problem, not yours — it is set out in section 7 of the Expert Partner Terms.

2. One-off consultations

A one-off consultation — Never Miss an EMI (₹199), Credit Score Consulting (₹299), Loan Readiness (₹499) — is paid for in advance and scheduled for a specific time.

• Cancel at least 24 hours before the scheduled start and you may choose either a full refund or a free reschedule. Simply email support@bharatkist.com.
• Cancel with less than 24 hours' notice and we will reschedule you once at no charge, because things happen. If the rescheduled session is also missed, the fee is not refundable.
• Do not attend without telling us and the fee is not refundable — the consultant's time was reserved and cannot be resold.
• Once a session has been delivered, the service has been provided in full and the fee is not refundable. This is true regardless of whether your circumstances subsequently improve, because what you bought is the consulting, not an outcome.

3. Plan 49 and Plan 99 memberships

Memberships (Plan 49 at ₹49 per month, Plan 99 at ₹99 per month) are billed monthly in advance and renew automatically until you cancel.

• Cancel at any time by emailing support@bharatkist.com from the address on your account. There is no cancellation fee, no notice period and no minimum term.
• Cancellation stops the next renewal. You keep full access for the remainder of the period you have already paid for.
• The current month's fee is not refunded on a pro-rata basis once the period has begun, because the sessions and materials for that period have been made available to you. The single exception is the first-month situation described below.
• First month, no sessions used: if you cancel within 7 days of your very first payment and have not used any session or received any written plan, we will refund that first month in full, no questions asked.
• Unused sessions do not carry over to the next month and have no cash value.

4. If we, or your Expert, cancel

If we cancel or reschedule a session at short notice for any reason — the Expert is unwell, a technical failure at our end, anything else — you choose between a new time, a different Expert of equivalent standing, and a full refund. That choice is always yours, never ours.

If an Expert fails to attend a session you turned up for, you are entitled to a full refund or a free re-booking, whichever you prefer. You do not need to establish whose fault it was, and you do not deal with the Expert about it — raise it with us and we will settle it. We then recover it from the Expert under their agreement, which is not something you need to be involved in.

If we terminate your membership for a reason that is not your fault, we refund the unused portion of the prepaid period on a pro-rata basis.

5. What is never refundable

To be explicit, so nothing here is a surprise:

• A consulting session that has already been delivered.
• A membership month during which you used a session or received a written plan.
• Any fee, on the basis that your credit score did not improve, or that a lender declined your application. We never promise either outcome, and neither is within our control.
• Any amount, where the request follows abusive conduct towards our staff or a breach of our Terms & Conditions.

Nothing you pay us is a deposit or a balance. We do not hold client funds. Fees are consideration for a consulting service, which is why a refund is tied to whether the service was delivered rather than to an account balance you could withdraw.

Money collected for a session that has not yet been delivered is held by us, not passed on, until the cancellation window closes — which is precisely why a cancellation made in time can be refunded in full without anyone having to claw anything back.

6. How to request a refund

1. Email support@bharatkist.com from the address on your account, with your name, the payment reference from your invoice, and what you are asking for.
2. We acknowledge every request within 48 business hours.
3. We assess it against this policy and tell you the decision, with the reason, within 5 business days.
4. If approved, the refund is initiated immediately to the original payment method.

You do not need to phone, escalate or chase. If you have not heard from us in the times above, that is itself a reason to escalate to our Grievance Officer.

7. How long a refund takes

Approved refunds are initiated to the original payment method immediately on approval. The money typically reaches you within 5–7 business days, though the exact time depends on your bank or card issuer and is outside our control.

Refunds are always returned to the original payment method. We cannot refund to a different card, account or UPI ID, and we will never ask you for bank details in order to process a refund — anyone who does is not us.

8. Chargebacks

If you believe a charge is wrong, please contact us first. We can almost always resolve it faster than a chargeback can, and we would rather refund a genuine mistake than argue about it.

Where a chargeback is raised without first contacting us, we will provide the payment gateway with our records of the service delivered. We may suspend an account with an unresolved chargeback until the matter is settled.

9. If you are unhappy with a decision

Escalate to Saurabh Chaudhary, Grievance Officer & Managing Director, at support@bharatkist.com. Grievances are acknowledged within 48 hours, and we aim to resolve them within 15 working days.

Nothing in this policy limits your rights under the Consumer Protection Act, 2019 or any other law that cannot be contracted out of.

Contact

Questions about this document should go to support@bharatkist.com, or by post to Last Flight Solution Limited, Dhakia Gulaboo Road, Dhakia No. 1, Near Utkarsh Bank, Tanda Ujjain, Kashipur, Uttarakhand 244713, India. You can also call +91 96399 09965 during Monday to Saturday, 10:00 AM – 7:00 PM IST.

Unresolved complaints may be escalated to Saurabh Chaudhary, Grievance Officer & Managing Director, at support@bharatkist.com. Grievances are acknowledged within 48 hours and we aim to resolve them within 15 working days.