This Policy constitutes a legally binding framework between SKM Yoga Studio, F-18, Sector 39, Noida (hereinafter the "Studio") and every individual who purchases, enrolls in, or avails any service, class, package, course, or workshop at the said premises (hereinafter the "Member"). The Policy applies solely and exclusively to the Noida Studio and shall not be construed to extend to any other branch of SKM Yoga within India or overseas, each such branch being governed by its own independent policy. Acceptance of this Policy is deemed complete upon the earlier of payment of any fee, submission of the enrollment form, or attendance of any paid class. No employee, instructor, or agent of the Studio possesses authority to promise any refund, waiver, concession, or exception beyond the express terms hereof, and only written approvals signed by the authorized Management shall bind the Studio. Headings are for convenience only; words in the singular include the plural and vice versa. This Policy shall be read harmoniously with the Studio's Membership Terms, Health Declaration Form, and Code of Conduct, provided that in all matters concerning refunds and cancellations, this Policy shall prevail to the extent of any inconsistency.

As a general and overriding rule, all fees, charges, and monies of whatsoever nature paid to the Studio — including membership fees, personal session fees, home class fees, course fees, workshop fees, registration charges, and applicable taxes — are non-refundable and non-transferable, save and except as expressly provided under this Policy. The Member acknowledges that upon enrollment, the Studio irrevocably commits batch capacity, instructor allocation, equipment, and administrative resources, and that such commitment constitutes valuable consideration justifying this general rule. Partial attendance, irregular attendance, or complete non-attendance of classes by the Member shall not, by itself, constitute a ground for refund, extension, or adjustment of fees. Similarly, dissatisfaction with personal fitness outcomes or the pace of individual progress shall not constitute a ground for refund, since results depend materially upon the Member's own consistency, diet, lifestyle, and adherence to instructor guidance. Change in the Member's personal schedule, office timings, or family circumstances shall likewise not create any refund entitlement; in such cases, the Member may avail free batch changes across the Studio's multiple daily batches running in its two practice halls between 6:00 AM and 8:00 PM.

No refund, freeze, transfer, or cancellation claim shall be entertained on the basis of verbal requests, telephonic conversations, or representations made through third parties. Every claim under this Policy must be initiated exclusively through a "Written Request", meaning a request submitted in writing at the Studio front desk against acknowledgment, or transmitted via WhatsApp or SMS to 8920921620, or sent to such email address as the Studio may notify, and duly acknowledged by the Studio. The Written Request must state the Member's full name, registered mobile number, receipt number, the specific relief sought, and the clause of this Policy under which the relief is claimed, and must be accompanied by all supporting documents where the claim rests on medical, relocation, or other documentary grounds. The burden of establishing eligibility under any clause of this Policy shall rest solely upon the Member. The Studio shall communicate its decision on every complete Written Request within ten (10) working days of receipt; incomplete requests shall be returned for rectification of deficiencies, whereupon the decision timeline shall recommence from the date of resubmission of the complete request together with all supporting documents.

Notwithstanding the general rule of non-refundability, the Studio extends a one-time consumer-friendly Cooling-Off Period of three (3) calendar days commencing from the date of payment. A Member who submits a Written Request within the Cooling-Off Period, having attended not more than one (1) class, shall be eligible for a refund of the fees paid, subject to deduction of the administrative processing charge under Clause 6 and the rate-card value of any class actually attended. Further, where the Member has attended no class whatsoever and submits a Written Request within seven (7) calendar days of payment, a refund of ninety percent (90%) of the fees shall be admissible. For the purposes of this Policy, the "Activation Date" means the earlier of the Member's first attended class or the seventh calendar day following payment; upon the Activation Date, the Cooling-Off provisions stand exhausted and refunds shall thereafter be governed exclusively by the remaining clauses hereof. The Cooling-Off benefit is available once per Member per lifetime at the Noida Studio, and shall not apply to renewals, upgrades, repeat enrollments, registration or admission charges, or promotional packages expressly marked "non-refundable" at the point of sale.

Wherever a refund becomes admissible under an express provision of this Policy, the refundable amount shall be computed strictly in accordance with the Rate Card Method described herein. The utilized portion of the membership or service shall be valued at the Studio's standard published monthly or per-session rate card prevailing at the time of enrollment, and not at the discounted, packaged, or promotional rate at which the Member may have purchased. Any part of a month utilized shall be counted as one full month utilized. From the balance so arrived at, the Studio shall deduct: (a) the administrative processing charge; (b) the rate-card value of all complimentary classes, merchandise, or promotional benefits availed; (c) taxes already deposited with government authorities to the extent not recoverable by the Studio; and (d) any pending dues, damage recoveries, or amounts owed by the Member. Refunds shall further be calculated only upon the actual amount received by the Studio after discounts, and never upon the printed or listed price of any package. The Member expressly acknowledges that discounted package pricing is offered in consideration of full-term commitment, and that reversal to rate-card valuation upon premature exit is a fair, reasonable, and agreed method of computation.

Every refund approved under this Policy shall be subject to deduction of a standard administrative processing charge equal to ten percent (10%) of the refundable amount or ₹500, whichever is higher, unless such charge is expressly waived in writing by Management or unless a specific clause of this Policy provides for refund without deduction. Approved refunds shall be processed within fourteen (14) to twenty-one (21) working days from the date of written approval, and shall be credited only to the original payment instrument from which payment was received. Where the original payment was made in cash, the refund shall be effected solely by bank transfer to an account held in the Member's own name, upon submission of valid bank details and government-issued identity proof; refunds shall under no circumstances be made to third-party accounts. The Studio shall not be liable for delays in credit attributable to banks, card networks, UPI platforms, or payment gateways once the refund stands initiated from the Studio's end. No interest shall be payable on any amount refunded, withheld, or under process. All refunds shall be made in Indian Rupees only, and submission of a refund request shall not entitle the Member to withhold payment of any pending instalments until the request is formally decided.

Fees paid toward the Studio's 3-month, 6-month, and 12-month membership packages are non-refundable after the Activation Date, save as expressly provided under the Medical Grounds, Relocation, and Studio-Initiated Events clauses of this Policy. Upgrades from a shorter package to a longer package are permitted at any time, with the unutilized value of the existing package adjusted against the upgraded package; downgrades from a longer package to a shorter package are not permitted and shall not create any refund entitlement or credit. Promotional, discounted, festival-offer, corporate-tie-up, and society-camp memberships are strictly non-refundable under all circumstances, save where applicable law mandates otherwise. Family and couple memberships shall be treated as a single composite contract; the withdrawal, relocation, or discontinuation of any one participant shall not entitle either the withdrawing or the remaining participants to any proportionate refund, the pricing of such memberships being consideration for joint enrollment. Renewal fees paid in advance for a future term shall, by way of exception, be refundable in full (less the administrative processing charge) provided a Written Request is received before the commencement date of the renewed term; upon commencement, the renewed term shall be governed by this clause as a fresh package.

The complimentary trial class offered to prospective members is provided entirely free of charge as a goodwill gesture; accordingly, no monetary claim, service credit, or refund of any nature shall arise from, or in connection with, a trial class, and the Studio reserves the right to limit trial classes to one per individual. Paid drop-in classes and single-day passes, once booked, are non-refundable; however, as a courtesy, a booked drop-in class or day pass may be rescheduled once, free of charge, provided the Studio is informed at least four (4) hours prior to the scheduled class time. Failure to attend a booked class without such prior intimation shall constitute a "no-show" and result in forfeiture of the fee for that class without any right of carry-forward. Multi-class trial bundles, where offered, shall be refundable only if wholly unused and only where a Written Request is received within three (3) calendar days of purchase, subject to the administrative processing charge; partially used bundles shall stand exhausted of refund rights. Nothing in this clause shall entitle a trial attendee to demand any particular instructor, batch, hammock, or equipment during the trial session, allocation whereof shall remain at the Studio's sole discretion.

Fees paid for one-on-one personal sessions at the Studio and for instructor-visit home classes within the Sector 30 to Sector 51 service belt of Noida are non-refundable; unutilized sessions may, however, be rescheduled in accordance with this clause. A personal or home session may be rescheduled without penalty where the Member provides notice at least six (6) hours prior to the scheduled time; sessions cancelled with shorter notice, or not attended, shall stand forfeited. Where the assigned instructor fails to attend a confirmed session without notice, the Member shall be entitled to one additional complimentary session of equal duration, which shall constitute the full and final remedy, and no cash refund shall arise therefrom. Home class packages remain valid strictly for the duration specified at purchase; sessions unutilized upon expiry shall lapse without refund unless a freeze was approved in writing during the validity period. Where a home package becomes unserviceable because the Member shifts residence outside the Sector 30–51 belt, unutilized sessions computed at rate card may be converted into equivalent studio credit, and cash refund shall not be admissible. Repeated rescheduling exceeding three occasions in a calendar month may, at Management's discretion, attract forfeiture of one session per additional reschedule.

The Member acknowledges that the Studio's aerial yoga program operates on capacity-limited batches determined by the number of professionally rigged ceiling anchor points, and that each enrolled seat blocks capacity incapable of being resold mid-term; accordingly, aerial yoga fees are non-refundable after the Activation Date. Where a Member, after commencement, is found medically unsuitable for inversions, the Studio shall transfer the Member to an inversion-free aerial track or to a mat-based program of equivalent value, and such substitution shall operate in full and final satisfaction of the Member's claims, no refund arising therefrom. Fear of heights, motion discomfort, or personal apprehension shall not constitute grounds for refund, graded desensitization within the program being the prescribed remedy. Temporary suspension of aerial batches for rigging inspection, hammock replacement, or safety audit not exceeding seven (7) consecutive days shall result solely in equivalent extension of membership validity. Suspension exceeding seven consecutive days shall entitle affected Members, at their election, to proportionate extension, transfer of equivalent value to another program, or proportionate refund of the suspended period computed at rate card. Damage caused by a Member to hammocks, rigging, or aerial hardware through negligence or violation of safety instructions may be recovered from the Member and set off against any refund otherwise admissible.

Registration deposits paid toward Yoga Teacher Training, Aerial Teacher Training, Sound Healing, and all other certification programs are strictly non-refundable, such deposits securing a limited seat and triggering immediate administrative and material costs. Balance course fees shall be refundable at seventy-five percent (75%) where a Written Request is received at least fifteen (15) days before course commencement, and at fifty percent (50%) where received between fourteen (14) and seven (7) days before commencement; no refund shall be admissible for requests received within seven days of commencement or at any time thereafter. In lieu of refund, a Member may defer the enrolled seat, once, to the immediately succeeding batch of the same course upon payment of the prevailing seat-deferral fee. Study materials, manuals, and course kits once issued are non-returnable, and their rate-card value shall be deducted from any admissible refund. Failure to complete the attendance, assignments, or assessments required for certification shall not create any refund entitlement, re-assessment being governed by the applicable course rules. Certification shall issue only upon full payment and fulfilment of all academic requirements, and withholding thereof for non-payment shall not constitute deficiency of service. Workshop fees are non-refundable but transferable to another named individual up to twenty-four (24) hours prior; workshops cancelled by the Studio shall attract, at the registrant's election, full refund or equivalent credit.

The Studio follows a freeze-first doctrine in respect of genuine medical circumstances, cash refund being the remedy of last resort. A Member prevented from practice by illness, injury, surgery, or a medically certified condition shall first be offered a membership freeze for the certified recovery period, free of charge for up to sixty (60) cumulative days per membership term, upon production of a certificate from a registered medical practitioner (MBBS, BAMS, BHMS, or higher qualification) stating the condition and the advised period of abstention. Where a registered medical practitioner certifies that the Member is permanently unfit to practice yoga in every form offered by the Studio — including gentle, chair-supported, restorative, and therapy formats — the Member shall be entitled to refund of the unutilized portion of the package computed at rate card, less the administrative processing charge, and such refund shall extinguish all further claims relating to that membership term. Pregnancy shall not constitute a refund ground, the Studio offering certified prenatal yoga as substitution, with the option of freezing the balance until after delivery. Medical documents are subject to verification, the Studio reserving the right to a second opinion from an empanelled practitioner at its own cost. Backdated medical claims shall be entertained only where the Written Request is made within thirty (30) days of onset and only for the certified period.

Where a Member relocates away from Noida during a subsisting membership, the following graded remedies shall apply in strict sequence. First, where the Member relocates to any city in which an SKM Yoga branch operates — the network comprising twenty-plus branches across India together with international centres at Dubai and Vietnam — the Member shall be offered a free transfer of the balance membership to such branch, subject to that branch's schedule and program availability, and such transfer shall operate in full satisfaction of all refund claims. Secondly, where no branch operates at the destination, the Member may elect conversion of the balance into live online classes of equivalent value, which shall likewise fully satisfy all claims. Only where neither remedy is reasonably serviceable shall a relocation refund be considered, and then only upon documentary proof of relocation such as a registered rent agreement, employer transfer letter, or equivalent evidence. Relocation refunds, where approved, shall be computed on the unutilized period at rate card, less the administrative processing charge and the value of promotional benefits availed. Relocation within the National Capital Region — including Delhi, Greater Noida, Ghaziabad, Gurugram, and Faridabad — shall not constitute a refund-eligible relocation, such locations being within reasonable commuting distance of Sector 39.

The Studio recognizes that travel, examinations, and professional commitments may temporarily interrupt practice, and accordingly provides a structured freeze facility as the preferred alternative to cancellation. Every 6-month package carries one free freeze of up to fifteen (15) days, and every 12-month package carries two free freezes of up to fifteen (15) days each; 3-month packages carry no free freeze entitlement. Additional freezes beyond the free entitlement may be purchased at the prevailing freeze fee, subject to a maximum cumulative freeze of ninety (90) days per membership term, inclusive of medical freezes. Freeze requests must be submitted in advance of the absence or, at the latest, within three (3) days of its commencement; retrospective freeze requests beyond this window shall not be granted, it being impracticable for the Studio to verify past non-attendance. During a sanctioned freeze, the membership validity stands extended by the exact frozen period, no classes may be attended, and no fee obligations are suspended. A freeze does not convert into, and shall never be exchanged for, a cash refund. Upon expiry of the frozen period, the membership resumes automatically, and failure to resume attendance shall not extend validity further nor create any refund entitlement.

A subsisting membership may be transferred once to an immediate family member — limited to spouse, parent, child, or sibling — upon payment of the prevailing transfer fee and completion by the transferee of the Studio's Health Declaration Form; the transferee shall inherit the remaining validity and batch entitlements as-is, without extension or enhancement. Transfer of membership to any non-family third party is strictly prohibited, and any attempted sale, assignment, or commercial disposal of a membership shall render it liable to immediate cancellation without refund. Where this Policy provides for issuance of studio credit in lieu of refund, such credit shall remain valid for twelve (12) months from the date of issuance, shall be usable against any service of the Studio including memberships, personal sessions, workshops, and courses, and shall lapse without residual value upon expiry. Studio credit is non-transferable, non-encashable, and incapable of subsequent conversion into a cash refund, irrespective of any change in the Member's circumstances. Sharing of membership access with any other person, or permitting another individual to attend classes under one's membership, shall constitute a material breach entitling the Studio to terminate the membership forthwith without refund and without prejudice to its other rights and remedies.

The Studio may, in the ordinary course of operations, modify batch timings, reallocate instructors, and adjust class formats; such modifications shall not constitute grounds for refund where a reasonable alternative batch is made available across the Studio's two practice halls. Change or unavailability of any particular instructor shall not create refund entitlement, every instructor being a certified professional trained under the SKM Yoga methodology and mentored by Dr. Shivam Mishra. Planned closures for festivals, gazetted holidays, and notified annual maintenance stand factored into membership pricing and shall create no refund or extension right. Unplanned closure of the Studio for a continuous period exceeding seven (7) days shall entitle Members to automatic extension of validity equal to the closure period. Unplanned closure exceeding thirty (30) continuous days shall entitle affected Members, at their election, to extension, transfer to live online classes, or proportionate refund of the closed period computed at rate card without administrative deduction. In the event of permanent closure of the Noida Studio, all Members shall be entitled, at their election, to proportionate refund of unutilized fees without any deduction whatsoever, or transfer of balance value to another SKM Yoga branch or to online classes, the Studio undertaking to notify all active Members of such closure with reasonable advance notice.

Neither party shall be liable for failure or delay in performance occasioned by events of force majeure, which expression shall include epidemic, pandemic, government or municipal order, lockdown, natural calamity, earthquake, fire, flood, civil unrest, strike, or any cause beyond the Studio's reasonable control. Upon occurrence of a force majeure event, the Studio's service obligations shall stand suspended for the duration of the event, and all active memberships shall stand automatically frozen without any request being required from Members. Upon resumption of services, the validity of every affected membership shall extend by the exact frozen period, and such extension — or substitution through live online classes where the Studio elects to offer the same during the event — shall constitute the exclusive remedy of Members, no cash refund arising from the occurrence of force majeure alone. Where, however, force majeure renders the Studio's services impossible for a period exceeding ninety (90) continuous days and no online substitution is offered, affected Members may claim proportionate refund of the impossible period computed at rate card, less taxes non-recoverable under law. The Studio shall display notices of force majeure suspension and resumption at the premises and on skmyoga.in, and such display shall constitute sufficient notice to all Members.

Membership at the Studio is conditional upon continued adherence to the Studio's Code of Conduct, and termination for the Member's own default shall result in forfeiture of all fees without refund. Grounds for such termination include, without limitation: misbehaviour with staff, instructors, or fellow members; harassment of any nature; wilful damage to Studio property, hammocks, rigging, or equipment; violation of safety instructions during aerial or other practice; unauthorized photography or videography of other members; unauthorized commercial activity or solicitation of members for competing services within the premises; and attendance under the influence of intoxicants. Suppression or misdeclaration of material health conditions in the Health Declaration Form shall independently entitle the Studio to terminate the membership without refund, the Studio's safety protocols being premised upon accurate health disclosure. Any Member found to have obtained or attempted to obtain a refund, freeze, or transfer through misrepresentation, forged documents, or fraudulent claims shall forfeit all refund rights under this Policy in their entirety, and the Studio reserves the right to initiate appropriate civil and criminal proceedings. All pending dues, damage recoveries, and forfeited amounts owed by the Member may be set off against any refund or credit otherwise admissible under any clause of this Policy.

The Studio accepts payment through UPI, debit card, credit card, and cash, issuing a valid receipt for every payment; refund claims shall be entertained solely against valid Studio receipts, and the Member is advised to preserve all receipts for the duration of the membership. Instalment-based memberships, where offered, become refund-eligible only in respect of instalments actually paid, unpaid instalments creating no refundable value. EMI arrangements facilitated through the Member's bank or card issuer constitute independent contracts between the Member and such issuer; interest, EMI conversion charges, and foreclosure charges levied by the issuer fall outside the Studio's control and shall not be refunded or reimbursed by the Studio under any circumstances. Initiation of a chargeback or payment dispute with any bank or payment platform without first exhausting the Written Request process under this Policy shall constitute a breach hereof, entitling the Studio to suspend all services to the Member pending resolution of the dispute. Where a chargeback is ultimately decided in the Studio's favour, the Member shall bear and reimburse all dispute-related charges levied upon the Studio by the payment platform. Refunds shall be processed exclusively to the original payment instrument or, where demonstrably impossible, to a bank account held in the Member's own name.

This Policy shall be governed by and construed in accordance with the laws of India. All disputes arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the competent courts and consumer fora at Gautam Buddha Nagar, Uttar Pradesh. Prior to initiating any legal proceeding, the parties shall attempt good-faith resolution through the Studio's escalation channel at 8826476724 for a period of fifteen (15) days from written intimation of the grievance. Nothing herein shall exclude, restrict, or override any non-waivable right available to the Member under the Consumer Protection Act, 2019, or other applicable law. If any clause of this Policy is held invalid or unenforceable by a competent authority, the remaining clauses shall continue in full force, the offending clause being read down to the minimum extent necessary. The Studio may amend this Policy prospectively by displaying the amended version at the premises and on skmyoga.in, provided that no amendment shall retrospectively reduce refund rights in respect of fees already paid. Forbearance or delay by the Studio in enforcing any clause shall not constitute waiver thereof. This Policy constitutes the entire understanding between the Member and the Noida Studio on refunds and cancellations, superseding all prior brochures, representations, and verbal assurances, and payment of any fee shall constitute conclusive acknowledgment of acceptance hereof.