Cancellation & Refund Policy

1. Client cancellations

If you cancel a scheduled consultation at least 48 hours before the confirmed appointment time, you may choose either:

• one rescheduled appointment without a rescheduling fee; or
• a refund of the amount paid.

2. Cancellations within 48 hours

If you cancel less than 48 hours before the confirmed appointment time, the fee is ordinarily non-refundable because preparation time and appointment capacity have been committed. At our discretion, we may permit one rescheduling where circumstances reasonably justify it.

This clause does not limit any refund, cancellation or other remedy required by applicable law.

3. No-shows and late arrival

If you do not attend an appointment and have not given notice, the fee is ordinarily non-refundable. If you arrive late, the consultation may still need to finish at the scheduled end time so that later appointments are not affected.

4. Engagement deposits and work already commenced

An engagement deposit is credited in full against the agreed service fee. It is not an additional charge.

Where payment of an engagement deposit has authorised bespoke preparation, research, chart analysis, written forecasting or other work to commence, any refund following cancellation may be reduced by the reasonable value of work already performed, but only to the extent permitted by law. Any remaining refundable amount will be returned in accordance with this Policy.

5. Cancellation by The Karmic Soul

If The Karmic Soul must cancel an appointment and cannot provide a reasonably suitable alternative time, you may choose a full refund of the amount paid for the unprovided service. If you accept a rescheduled appointment, the payment will be transferred to that booking.

6. Service problems and consumer rights

Nothing in this Policy excludes, restricts or modifies consumer guarantees or other rights that cannot lawfully be excluded. Where applicable law entitles you to a refund, cancellation, repeat performance or another remedy because a service has not been supplied with required care and skill or otherwise fails a non-excludable guarantee, those rights prevail over this Policy.

7. How to request a cancellation or refund

Send requests to hello@thekarmicsoul.com and include the name and email address used for the booking. The effective cancellation time is when the request is received by The Karmic Soul.

Approved card refunds are returned through the original payment method where reasonably practicable. Processing time after a refund is issued is controlled by the relevant payment provider and financial institution.

8. Corporate and bespoke engagements

Corporate, family-office, executive-retainer and other bespoke engagements may have cancellation, deposit or termination terms set out in a proposal, statement of work or engagement letter. Where those written terms differ from this Policy, the specific engagement terms apply, subject always to rights that cannot lawfully be excluded.