This Refunds Policy governs the refunds related to all services provided by Ruskin Felix Consulting, Ruskin Felix Barar, or any of their assigned consultants through the websites www.ruskinfelix.com (collectively referred to as “the Website”). By availing services or products through these platforms, users (individuals or entities) consent to the terms outlined in this Refunds Policy.

1. General Refund Conditions

Ruskin Felix Consulting offers two types of contracts:

• Long-Term Service Contracts
• One-Time Service Contracts

Refund eligibility and processing depend on the type of contract under which the services were availed. Refund requests must be made within the specified timelines and are subject to the terms outlined below.

2. Long-Term Service Contracts

Long-term service contracts cover monthly, quarterly, half-yearly, or annual engagements with clients.

• Refund requests for long-term contracts must be submitted within 7 days from the date of payment of the invoice.
• If a valid refund request is made within this period, Ruskin Felix Consulting will initiate the refund process.
• Refunds are not eligible after 7 days from the date of payment, and the client will be liable for the full term of the service agreement unless otherwise agreed in writing.

3. One-Time Service Contracts

One-time service contracts apply to single transactions or services, such as research reports, website development, or consultancy services provided on a one-off basis.

• Clients may request a refund within 7 days from the date of payment of the invoice for one-time services.
• Refund requests must be evaluated on a case-by-case basis depending on the stage of service delivery, provided variability exists in certain service contracts.
• Refund eligibility will be determined based on the nature of the service and how much work has already been completed at the time of the request.

4. Refund Request Process

To initiate a refund request, clients must:

• Submit a written request via email to contact@ruskinfelix.com, clearly indicating the service contract and reason for requesting the refund.
• All refund requests must be made within the timelines specified above (7 days from the date of payment).
• Clients who fail to request a refund within this period will not be eligible for any refund.

5. Exceptions and Non-Refundable Services

• No refunds will be issued for services that have already been delivered in full or where a significant portion of the work has been completed.
• Services that involve third-party engagements or subcontractors, where Ruskin Felix Consulting has incurred costs, may not be eligible for a full refund, and prorated refunds may be issued based on the extent of work completed.
• No refunds will be issued for delays caused by the client’s failure to provide the necessary documentation or information.

6. Refund Disbursement

Once a refund request is approved, Ruskin Felix Consulting will initiate the refund process within 30 business days.

• Refunds will be processed using the same payment method used for the original transaction (bank transfer, digital payment, PayPal, Stripe, etc.).
• In the case of digital currency payments, the corresponding transaction hash will be shared as proof of refund.

7. Non-Refundable Payments

• After the 7-day window from the payment date, no refunds will be processed for either long-term or one-time contracts unless otherwise agreed upon in writing by Ruskin Felix Consulting.
• For payments made without an agreed scope of work, refunds may still be requested within 7 days of payment if no scope was provided post-payment.

8. Disputes

Any disputes related to refunds will be subject to the Governing Law and Jurisdiction as specified in the Terms and Conditions of Ruskin Felix Consulting. All disputes must be addressed to Ruskin Felix Consulting and, if unresolved, referred to the courts of India.

For any further inquiries or to request a refund, please contact us at contact@ruskinfelix.com.