Refund & Cancellation Policy

We are confident in the quality of our consultancy. Sections 2–7 below set out exactly how this works for each kind of service, and Section 8 lists what we genuinely cannot refund because the money goes to someone else.

Our ₹499 Visa Risk & Approval Report is fully refundable. If, after reading your honest assessment, you decide not to continue, we refund the ₹499 in full. If you go on to file with us, the ₹499 is credited towards your fee — so you never pay twice.

Each standalone service carries a clear promise. If we don’t meet it, we refund that service’s fee:

• Document Review — if we miss a material issue in your file that we should reasonably have caught, we refund the review fee.
• Mock Interview Prep — if we don’t cover the questions and areas we promised for your interview, we refund it.
• SOP / Cover Letter Writing — if the rewrite doesn’t materially improve clarity against the brief, we revise again or refund it.
• Appointment / Slot Hunter — if we don’t secure a slot at your chosen centre within the 30-day monitoring window, we refund the fee.
• Missed deadlines — if we miss a delivery deadline we committed to in writing, and the delay is our fault, we refund that service’s fee.

Any standalone “building-block” service fee is credited in full towards a full visa filing if you upgrade within 14 days — so it effectively becomes free and you only ever pay once.

• Your first 30-minute eligibility assessment is free, so no refund arises.
• A detailed paid consultation may be rescheduled or cancelled for a full refund if you give us at least 24 hours’ notice before the scheduled time.
• No refund is given for no-shows or for cancellations made with less than 24 hours’ notice, as the consultant’s time has been reserved for you.

We can only refund money that was actually paid to us. That is the whole of the “conditions apply” on this promise, and it is worth being blunt about it, because it is the part people are surprised by later:

• We refund our Consultancy Fee in full, including the GST charged on it.
• We cannot refund the government or embassy visa fee. That money went to the visa post when your application was lodged, and it is spent the moment a decision is made — refusal or approval.
• We cannot refund the VFS Global (or BLS / AVAC) service and appointment charges, for the same reason: you paid them, not us.
• The same applies to biometrics, medical, language-test, translation, notarisation and courier charges paid to third parties.

Two things we need from you, and nothing else: send us a copy of the refusal letter or decision record, and ask within 30 days of receiving it. We process approved refunds to your original payment method within 7 working days.

One honest exception. This promise assumes the information and documents you gave us were complete and true. If an application is refused because something material was withheld from us — an earlier refusal, a previous overstay, a document that was not genuine — the refund does not apply, because we were never given the chance to deal with it. That is the only case in which we will say no.

If you would rather we rebuilt and refiled the application than take the money back, we will do that at no further Consultancy Fee. Your choice, either way. The government and VFS fees on a fresh application are payable again, as they are charged by those parties.

For a full done-for-you filing, you may cancel before your application is submitted to the visa post. In that case we refund the unused portion of your Consultancy Fee (work already completed is chargeable), or credit it towards a future service — your choice. Once the application has been submitted to the visa post, the professional service has been substantially performed and that Consultancy Fee is non-refundable, except under the guarantees in Sections 3 and 6.

The following are paid to third parties for separate services and are non-refundable through us once incurred:

• Government and visa-post fees (e.g. IRCC application and biometrics fees).
• VFS Global / AVAC service charges and appointment fees.
• Medical examination fees and language-test (e.g. IELTS) fees.
• Translation, notarisation and courier charges paid to third parties.

Our Consultancy Fees include 18% GST. When a refund is approved, the GST component is refunded in the same proportion as the refunded fee, and we issue a revised or credit invoice reflecting the adjustment.

Approved refunds are made to the original payment method through the same processor used for your payment — Razorpay for INR payments or Stripe for international card payments. We initiate eligible refunds within 7–10 business days of approval. The time for the refunded amount to reach your account depends on your bank or card issuer (commonly 5–10 business days, and sometimes longer for international or cross-border transactions). Any currency-conversion differences or bank charges are not within our control.

Email info@lifesetoverseas.com — or message us on WhatsApp using the chat button on our website — with your case/invoice number and the reason for your request. We aim to acknowledge within 2 business days and to decide within 7 business days. If you are not satisfied with the outcome, you may escalate to our Grievance Officer (below).

Please raise any refund request with us first so we can resolve it quickly. Initiating a bank or card chargeback through Stripe or Razorpay without contacting us — particularly where work has been performed under this policy — may be treated as a breach of our Terms of Service and may result in suspension of the Engagement. We will provide service records to the processor to contest unwarranted chargebacks.

For any unresolved refund concern, contact our Grievance Officer, Narinderpal Singh Chahal (Director), at info@lifesetoverseas.com or by phone at +91 91155 80911. We aim to resolve grievances within 30 days.