Refund & Cancellation Policy

This Refund & Cancellation Policy applies to paid one-to-one advisory sessions booked through this website. I do not sell courses, downloadable products or subscriptions, so this policy covers advisory sessions only.

It should be read together with my Terms & Conditions.

Submitting a booking request costs nothing. After you request a slot, I email you a manual invoice with payment instructions (bank transfer, JazzCash or Easypaisa).

Your slot is only held once the invoice is paid. If payment is not received, the slot is released and nothing is owed by you.

You are entitled to a full refund if:

• I cancel the session for any reason
• the session does not take place because of a technical or scheduling problem on my side
• you cancel at least 48 hours before the session start time (KSA / Riyadh time)

A refund will not be issued if:

• you do not attend the session (no-show)
• you cancel less than 48 hours before the scheduled start time
• the session has already taken place, in full or in part
• you were unable to join because of a technical issue on your own side

Where a suitable slot is available, I will happily reschedule your session once, free of charge, if you contact me at least 48 hours before the scheduled start time. Rescheduling is offered as an alternative to a refund and is subject to availability.

If you are charged twice for the same session, or transfer an incorrect amount, the excess is refunded in full. Bank transfers and mobile wallet reversals typically take 5–10 business days to appear, depending on your bank.

Email virgo9september@gmail.com with the subject line "Refund Request – Your Name" and include:

• your full name and the email used for the booking
• your booking reference
• the session date and time
• proof of payment (receipt or screenshot)
• the reason for your request

I review every request and respond within 5–7 business days.

Approved refunds are returned to the same bank account or mobile wallet used for the original payment. Any bank, wallet or currency-conversion charges incurred on the original transfer are deducted from the refunded amount.

Refund requests outside the conditions above are considered case by case. I reserve the right to approve or decline a request, ask for proof of payment or further clarification, and to offer an alternative such as a reschedule or credit toward a future session.

This policy may be updated to reflect operational or legal changes. The current version is always published on this page with its effective date, and applies to bookings made after that date.

This policy is governed by the laws of the Islamic Republic of Pakistan.

For any question about payments, cancellations or refunds, email virgo9september@gmail.com.