Payment and Refund - Arogya Samriddhi

This Payment, Cancellation, and Refund Policy (“Policy”) governs the terms and conditions applicable to all payments made by users (“User” or “You”) to Arogyaman Solution Private Limited (hereinafter referred to as “ASPL”, “Company”, “we”, “our” or “us”), the owner and operator of the Arogya Samriddhi platform, including its website and mobile application.
By using our platform, purchasing a membership, or engaging with any of our listed healthcare service providers (“Healthcare Partners”), you agree to abide by the terms of this Policy in addition to the Website Terms of Use and Privacy Policy.

Arogya Samriddhi operates as a healthcare service aggregator, facilitating access to third-party hospitals, clinics, diagnostic centres, wellness providers, and medical consultants (collectively, “Healthcare Partners”). ASPL does not itself offer any medical advice, treatment, or procedures. Our role is limited to enabling access and booking of healthcare services via a centralized digital platform.
All payments made on the Arogya Samriddhi platform are considered one-time membership purchases that entitle users to avail pre-listed healthcare services at discounted rates and under specified service benefits.
a. Nature of Transaction: One-time membership purchase.
b. Auto-Renewal: Not applicable. Users must manually renew memberships before expiry. Renewals may attract loyalty discounts if processed before the original membership’s expiration date.
c. Payment Method: Payments are processed through integrated, PCI-DSS-compliant payment gateway services. All transactions are secure and encrypted. ASPL does not retain payment instrument details (card numbers, CVV, etc.).

Upon successful payment, Users receive a digital Arogya Samriddhi ID card, granting access to a network of Healthcare Partners at preferential rates.
The membership is valid for a fixed term (e.g., one year) from the date of activation, during which members are entitled to:
a. Book appointments and services through the portal or app;
b. Avail negotiated discounts on OPD/IPD consultations, diagnostics, and wellness programs;
c. View available offers and packages from listed partners;
d. Access personal health records (if uploaded).

We understand that Users may, in certain situations, seek to cancel their membership. The following policy governs cancellations and potential refunds:

Users may cancel their Arogya Samriddhi membership within 15 (fifteen) calendar days of purchase by submitting a formal cancellation request to support@arogyasamriddhi.com
Cancellations outside this window shall not be entertained unless mandated by law.

Refunds may be processed under the following permissible circumstances, provided that no services have been availed under the membership:
a. Misrepresentation of benefits by a sales consultant or agent;
b. Misunderstanding of the scope of services available;
c. Inaccessibility of services in the User’s geographical region of residence, verified via Aadhaar address.
All cancellation requests must be accompanied by appropriate documentation or explanation.

No refund shall be entertained:
a. If any healthcare service (OPD/IPD consultation, diagnostic service, health check-up, etc.) has been availed by the member or their family;
b. If the cancellation request is raised after the 15-day cooling-off period;
c. In the event of misuse or unauthorized access to the platform;
d. Where the membership was purchased via unauthorized third-party platforms or agents.
ASPL reserves the right to assess refund claims and deny refund if any of the above exclusions apply.

Once the cancellation request is received and validated, ASPL shall initiate a refund of the eligible amount (not exceeding the original membership fee) to the original payment method used, within 15 working days. Processing time may vary depending on banking intermediaries.
ASPL shall not be responsible for any delay in refund caused by bank/payment gateway failures or incorrect user details.

a. Full Refund: Only applicable if the request is received within the 15-day window and no services have been availed.
b. No Partial Refunds: Refunds will not be processed on a pro-rata basis or for partially used memberships.

a. ASPL uses third-party Payment Gateways and disclaims liability for any payment failure, duplication, or delays caused due to internet issues, banking errors, or technical outages.
b. In the event of a payment being debited without membership activation, please contact us immediately with the transaction reference number.
c. ASPL will assist in reconciling the payment with the gateway or refund as needed.

To the fullest extent permitted under law:
a. ASPL’s maximum liability for any claim arising out of a transaction or membership purchase shall be limited to the amount paid by the User for that specific membership.
b. ASPL shall not be responsible or liable for any healthcare outcome, diagnostic report, treatment result, or any injury, loss, or negligence arising from services availed through Healthcare Partners.
c. ASPL shall not be responsible for delays in cancellation or refund processing attributable to User error, bank systems, or payment gateway outages.

Any dispute or claim arising out of or in relation to payments, cancellations, refunds, or related issues shall be:
a. Governing Law: Governed by and interpreted in accordance with the laws of India.
b. Jurisdiction: Subject to the exclusive jurisdiction of the competent courts at Noida, Uttar Pradesh.
c. Arbitration: In case the dispute remains unresolved for more than 90 days from the date of escalation, either party may seek resolution through arbitration in accordance with the provisions of the Arbitration and Conciliation Act, 1996, as amended. The seat of arbitration shall be Noida. The language shall be English.

If you have any questions about these Terms of Use, the practices of the Website, or your experience, by calling us at +91 9045454658 (Customer Service), +91 9953799398 (Sales) or by emailing us at info@arogyasamriddhi.com or support@arogyasamriddhi.com or by writing to us at:
M/s. Arogyaman Solution Private Limited (ASPL),
301, Tower 1, Assotech Business Cresterra, Sector 135,
Noida, Uttar Pradesh, 201304.

This Policy is subject to periodic review and may be amended to reflect legal, operational, or business changes. Updated versions shall be published on the website with the revised effective date.