1. About This Policy

Jaush Care is a membership-based health and wellness platform operated by Jaush Marketing and Consultancy Pvt. Ltd.

The membership provides access to a combination of healthcare services, healthcare savings, assistance, cashback and other benefits depending on the plan selected.

Because membership benefits and service arrangements may become available to a member following successful payment and activation, the cancellation and refund terms below apply from the time the membership payment is successfully received.

2. Our Cancellation & Refund Commitment

3. When Does the 24-Hour Period Start?

The 24-hour cancellation period begins from the date and time at which the membership payment is successfully recorded or confirmed by the applicable payment gateway or Jaush’s payment system.

For example, if a payment is successfully recorded at 3:00 PM on 14 August, the cancellation request must be successfully received by Jaush no later than 3:00 PM on 15 August, subject to verification of the payment timestamp.

The customer is responsible for submitting the cancellation request within the applicable period.

4. How to Request Cancellation

A cancellation request may be submitted through our official customer support channels:

To help us process your request quickly, please provide:

• Full name;
• Registered mobile number;
• Email address, where applicable;
• Jaush Care membership details;
• Transaction/order reference, where available; and
• Reason for cancellation, if voluntarily provided.

Providing a reason is not required for a valid cancellation request made within the 24-hour cancellation window.

5. When Is a Cancellation Request Considered Received?

A cancellation request will be considered received when it reaches the designated Jaush customer-support channel in a reasonably readable and identifiable form.

Merely attempting to send an email, message or telephone call before the deadline does not by itself establish that the request was received before expiry of the cancellation period if the communication is actually received after the deadline.

Where a technical failure occurs on Jaush’s systems and prevents a customer from submitting a timely cancellation request, Jaush may review the circumstances on a case-by-case basis.

6. Refunds Within the 24-Hour Cancellation Window

A cancellation request that is validly received within the 24-hour window will be reviewed and, after reasonable verification, the applicable refund will be initiated.

Refunds will ordinarily be made to the original payment method used for the membership purchase, subject to the capabilities and requirements of the applicable payment gateway or financial institution.

The time taken for the refunded amount to appear in the customer’s bank account, card account or other payment instrument may depend upon the payment gateway, bank, card issuer, UPI provider or other financial institution.

7. What Happens After 24 Hours?

The membership fee is a fee for access to a membership ecosystem and is not calculated on a pay-per-use basis.

Accordingly, non-use or partial use of membership benefits after the cancellation window does not create a pro-rata refund entitlement.

8. No Pro-Rata Refund

Jaush Care memberships are sold for a defined membership period and are not priced according to the number of consultations, discounts, services or benefits individually used by the member.

Therefore, after expiry of the 24-hour cancellation window, Jaush will not ordinarily provide a pro-rata or partial refund based on:

• Number of doctor consultations used;
• Number of diagnostic tests used;
• Number of medicines purchased;
• Cashback received or not received;
• Health Guardian interactions;
• Protection benefits not claimed;
• Financing facilities not used;
• Membership not used at all; or
• Any other unused membership feature.

9. Non-Use Does Not Create a Refund Right

A member’s failure to use the Jaush Care membership does not by itself constitute cancellation by Jaush or a failure by Jaush to provide the membership.

Once the membership has been validly activated, the member’s decision not to use one or more available benefits does not create a refund entitlement after the applicable cancellation period.

10. Membership Activation and Third-Party Services

Certain Jaush Care benefits may be provided by independent third-party service providers.

These may include:

• Doctors;
• Teleconsultation providers;
• Diagnostic laboratories;
• Pharmacies;
• Healthcare service providers;
• Insurers or benefit providers;
• Lenders or financial institutions;
• Payment gateways; and
• Other participating service providers.

The availability of an individual third-party service may depend upon provider availability, geography, technical availability, eligibility, applicable terms and other factors.

The temporary or permanent unavailability of a particular third-party provider does not automatically entitle the member to cancellation or refund of the entire Jaush Care membership after the 24-hour cancellation window.

Where a particular benefit becomes unavailable, Jaush may, where reasonably possible, provide an alternative participating provider, alternative benefit or other appropriate resolution.

11. Failed, Duplicate or Unsuccessful Payments

A payment that has not been successfully received by Jaush does not ordinarily create an active Jaush Care membership.

If an amount has been debited from your account but the Jaush Care transaction is not successfully reflected, please contact us with the transaction details.

We will reasonably investigate the transaction with the applicable payment gateway or payment service provider.

Duplicate Payments

If you have accidentally paid more than once for the same membership transaction, contact us promptly.

After verification, an identified duplicate payment may be refunded or otherwise resolved through the applicable payment mechanism.

12. Refunds Resulting From Jaush’s Decision

If Jaush independently decides to cancel a membership before the relevant membership has been activated, or determines that a refund is appropriate due to an issue attributable to Jaush, Jaush may initiate an appropriate refund.

Where Jaush cancels or materially changes a membership in circumstances where applicable law requires a refund or other remedy, Jaush will provide the applicable remedy in accordance with law.

Any such refund will ordinarily be processed through the original payment method unless another method is required or agreed.

13. Statutory Consumer Rights

The 24-hour cancellation window governs voluntary cancellation and refund requests under Jaush’s membership policy.

It does not prevent a customer from exercising rights available under applicable Indian law where, for example, a service is materially deficient, materially misrepresented, not provided as contracted, or where another statutory remedy applies.

Any such complaint or request will be reviewed based on the circumstances and applicable law.

The Consumer Protection Act, 2019 recognises consumer remedies relating to deficiency in services and provides statutory mechanisms for consumer complaints. Nothing in this Policy is intended to contract out of those non-waivable protections.

14. Refunds for Deficient or Unfulfilled Services

If you believe that Jaush has failed to provide a material service or benefit that was expressly included in your purchased membership and that failure constitutes a deficiency under applicable law, you should first contact Jaush so that we can investigate and attempt to resolve the issue.

Please provide:

• Membership details;
• Description of the issue;
• Date of the relevant service request;
• Relevant transaction or service reference;
• Supporting documents, where available; and
• Any communication received from the relevant service provider.

Jaush will assess the complaint and provide an appropriate response in accordance with applicable law and the circumstances.

15. Third-Party Service Complaints

If your concern relates to a service directly provided by a third party, Jaush may need to coordinate with that service provider to investigate the matter.

Examples include:

• A medical consultation;
• A diagnostic service;
• A pharmacy transaction;
• A financing application;
• An insurance/protection benefit;
• A payment transaction; or
• Another service provided independently by a participating partner.

Third-party services may also be subject to the provider’s own terms, refund procedures, claim procedures and applicable regulatory requirements.

16. Protection and Insurance-Related Benefits

Where a Jaush Care membership includes or facilitates access to protection benefits, the administration of the underlying benefit may be subject to separate terms, conditions, exclusions, eligibility criteria and claim procedures.

The refund of the Jaush Care membership fee is separate from the approval, rejection or settlement of any individual protection benefit or claim.

A claim that is not approved by an applicable protection provider does not, by itself, create a right to a refund of the Jaush Care membership fee after the 24-hour cancellation period.

17. Financing-Related Benefits

Access to a health-related financing facility is subject to the applicable lender’s eligibility, credit assessment, documentation and approval process.

Failure to obtain a loan or financing facility does not, by itself, create a refund entitlement after the 24-hour cancellation period where access to the facility is described as a potential benefit or assistance service and not as a guaranteed loan.

Nothing in this Policy affects any statutory rights relating to a financing transaction entered into directly with a lender.

18. Cashback, Discounts and Unused Benefits

Discounts, cashback and other benefits are subject to the applicable plan and service-provider terms.

Failure to use an available discount or cashback benefit does not create a cash refund entitlement after the cancellation window.

Similarly, the inability or decision not to use a particular participating provider does not automatically entitle the member to a refund of the entire membership fee.

19. Fraudulent or Unauthorised Transactions

If you believe that a Jaush Care transaction was made without your authorisation, contact Jaush immediately.

We may request transaction details and reasonable information necessary to investigate the transaction.

You should also promptly notify your bank, card issuer, UPI provider or payment service provider where appropriate.

20. Refund Method

Approved refunds will ordinarily be processed to the original payment instrument used for the transaction.

Jaush may use another lawful refund mechanism where:

• The original payment method cannot receive the refund;
• The payment provider requires an alternative mechanism;
• The original account has been closed; or
• Applicable law requires another method.

Jaush may require reasonable verification before processing a refund.

21. Refund Processing Time

Once a refund has been approved and initiated, the time taken for the amount to reach the customer depends on the applicable payment gateway, bank, card issuer, UPI provider or other financial institution.

Jaush will process accepted refunds within the applicable legal and payment-system requirements and within a reasonable period.

Delays occurring solely within the banking, card, UPI or payment gateway system after Jaush has initiated the refund are outside Jaush’s direct control.

22. Taxes and Charges

Where applicable, the refund amount will be calculated in accordance with the transaction, applicable tax treatment and applicable law.

Jaush will not use this clause to withhold any amount that is required by applicable law to be refunded.

23. No Cash Refunds

Refunds will ordinarily not be provided in physical cash.

Approved refunds will generally be processed through the original payment method or another lawful electronic mechanism.

24. Membership Suspension or Termination Due to Misuse

Jaush may suspend or terminate a membership in cases involving fraud, misuse, unauthorised access, material misrepresentation, abuse of benefits, violation of the Terms & Conditions or unlawful activity.

Where membership is terminated because of customer misconduct or fraud, no voluntary refund will ordinarily be payable, subject to applicable law.

25. Change of Mind

The 24-hour cancellation window is provided specifically to allow customers an opportunity to reconsider their purchase.

After the 24-hour period, a change of mind does not ordinarily create a refund entitlement.

26. Important Summary

Situation	Refund / Cancellation Position
Cancellation requested within 24 hours of successful payment	Eligible for cancellation and applicable refund after verification.
Cancellation requested after 24 hours	No voluntary cancellation or refund ordinarily available.
Customer does not use the membership	No refund after the 24-hour cancellation period.
Customer uses only some benefits	No pro-rata refund after the 24-hour cancellation period.
Customer changes their mind after 24 hours	No voluntary refund ordinarily available.
Duplicate payment	Investigated and appropriately resolved after verification.
Payment debited but membership not successfully activated	Investigated with the payment provider and appropriately resolved.
Jaush cancels before activation	Appropriate refund may be provided, subject to applicable circumstances and law.
Material deficiency or failure to provide a contracted service	Reviewed and remedied in accordance with applicable law.
Protection/insurance claim not approved	Does not ordinarily create a Jaush membership refund after 24 hours.
Loan/financing application not approved	Does not ordinarily create a Jaush membership refund after 24 hours.

27. Statutory Rights Preserved

Nothing in this Policy is intended to exclude, restrict, waive or contractually override any right, remedy, refund, compensation or other protection that is mandatory under applicable Indian law.

Where a statutory authority, court, consumer commission or other competent authority determines that a refund or other remedy is legally required, Jaush will comply with the applicable order or legal requirement.

28. Changes to This Policy

Jaush may update this Refund & Cancellation Policy from time to time to reflect changes in services, payment mechanisms, business practices, legal requirements or regulatory requirements.

The version applicable to a particular purchase will generally be the version displayed and accepted at the time of that purchase, subject to applicable law.

Any material changes will be communicated through appropriate means where required by law.

29. Relationship With Other Policies

This Policy should be read together with:

• Jaush Care Terms & Conditions
• Jaush Care Privacy Policy

If there is any conflict between this Policy and mandatory applicable law, the mandatory legal requirement will prevail.

30. Contact Us