Refund & Cancellation Policy

1. Introduction

This Refund and Cancellation Policy ("Policy") governs the terms under which Global Indian Network ("GIN", "we", "us", or "our"), operated by NazranRoth LTD, with its registered office at Berkeley Suite 35 Berkeley Square, Mayfair, London, W1J 5BF, processes refunds, cancellations, and related requests for membership fees, event registrations, digital products, services, and any other paid offerings made available through our website at globalindiannetwork.com and associated platforms.

By subscribing to any GIN membership tier, registering for any GIN event, purchasing any GIN product or service, or otherwise making payment to GIN, you ("Member", "User", or "you") expressly acknowledge that you have read, understood, and agreed to be bound by this Policy. This Policy should be read together with our Terms of Service, Privacy Policy, and Membership Agreement, all of which are available on our website.

GIN reserves the right to modify, update, or revise this Policy at any time. Any changes will be posted on this page with a revised "Last Updated" date. Continued use of GIN services after such changes constitutes acceptance of the revised Policy.

2. Scope and Applicability

This Policy applies to all paid offerings on the GIN platform, including but not limited to:

• Membership subscriptions across all tiers (Community, Professional, Chapter Leader, Strategic Partner)
• Event registrations, including in-person events, virtual events, summits, and chapter gatherings
• Digital products, downloadable content, and premium content access
• Sponsorship packages and partnership contributions
• Donations and voluntary contributions, where applicable
• Any other goods or services offered through the GIN ecosystem

3. Membership Refunds

GIN operates a tiered membership ecosystem. Refund eligibility and timelines vary by membership tier, recognizing that each tier involves different onboarding processes, vetting procedures, and benefit structures.

3.1 Community Membership (Free Tier)

Community Membership is offered free of charge. As no payment is collected, refund provisions do not apply. Members may cancel their Community Membership at any time by writing to admin@globalindiannetwork.com or by using the account deletion option in their member dashboard.

3.2 Professional Membership (By Application)

Professional Membership is granted upon successful completion of an application review. The following terms apply to refund requests:

Cooling-Off Period

Members may request a full refund ( - Banking Charges) within fourteen (14) calendar days of the date of payment, provided that they have not attended any paid GIN event, accessed members-only premium content beyond a limited preview, or availed of any tier-specific benefits requiring activation.

Pro-Rata Refunds

After the cooling-off period, refunds are not generally available. However, GIN may, at its sole discretion, issue a pro-rata refund of the unused portion of the membership fee in cases of documented medical emergency, bereavement, or other exceptional circumstances.

Non-Refundable Components

The following are non-refundable under any circumstances:

• Application processing fees, where separately charged
• Onboarding fees and one-time activation charges
• Costs already incurred by GIN on behalf of the Member, including third-party service fees

3.3 Chapter Leader Membership (By Nomination)

• A cooling-off period of seven (7) calendar days from the date of payment applies, during which a full refund ( - Banking Charges) may be requested.
• After the cooling-off period, the membership fee is non-refundable, except where GIN is unable to deliver the agreed scope of benefits.
• In the event of voluntary resignation from the Chapter Leader role, no refund of the annual membership fee will be issued.

3.4 Strategic Partner Membership (By Invitation)

• No refund will be issued after thirty (30) days from the date of payment.
• Termination of partnership prior to the agreed term does not entitle the partner to any refund of fees already paid.
• Sponsorship deliverables already executed by GIN are deemed fulfilled and non-refundable.

4. Event Registration Refunds

4.1 Cancellation by the Member

4.2 Cancellation or Postponement by GIN

• Registrations will automatically be transferred to the rescheduled date.
• Members unable to attend the rescheduled date may request a full refund within fourteen (14) days of the postponement notice.

4.3 Force Majeure

In the event of cancellation due to circumstances beyond GIN's reasonable control, GIN will make reasonable efforts to reschedule or convert the event to a virtual format. Refunds will be issued at GIN's discretion.

5. Digital Products and Premium Content

• Once a digital product has been delivered, downloaded, or accessed, it is deemed consumed and is non-refundable.
• Where a Member can demonstrate that the product is materially defective, a refund or replacement may be issued upon verification.
• Refund requests for digital products must be raised within seven (7) days of purchase.

6. Sponsorships, Partnerships, and Donations

6.1 Sponsorships

Sponsorship payments are non-refundable once invoiced and acknowledged, except where GIN is unable to deliver materially equivalent value.

6.2 Donations

Donations are voluntary and non-refundable except in cases of demonstrable error in payment processing.

7. Cancellation of Membership

7.1 Voluntary Cancellation

• Writing to admin@globalindiannetwork.com from their registered email address.
• Using the cancellation option in their member dashboard, where available.
• For tiers with annual billing, cancellation will take effect at the end of the current paid period.

7.2 Automatic Renewal

Members will be notified at least fourteen (14) days before the renewal date and may opt out before the charge is processed.

7.3 Termination by GIN

GIN reserves the right to terminate any membership for breach. Where termination is for cause, no refund will be issued. Where termination is initiated by GIN for reasons not attributable to the Member, a pro-rata refund will be issued.

8. Refund Process and Timelines

8.1 How to Request a Refund

• Send an email to admin@globalindiannetwork.com from their registered email address.
• Include full name, member ID, transaction ID, date of transaction, amount paid, and reason for refund.
• Provide supporting documentation where applicable.

8.2 Review and Communication

All refund requests are acknowledged within three (3) business days. A decision is communicated within seven (7) business days.

8.3 Refund Disbursement

8.4 Currency, Taxes, and Bank Charges

Refunds are issued in the same currency as the original transaction. GIN is not responsible for exchange rate variations or conversion fees. Where applicable taxes were collected, the refundable amount includes the tax component.

9. Special Cases

9.1 Duplicate Payments

Duplicate payments will be refunded in full upon verification, typically within five (5) business days.

9.2 Unauthorised Transactions

Report immediately to admin@globalindiannetwork.com and to your card issuer or bank.

9.3 Chargebacks

Members are encouraged to contact GIN directly before initiating a chargeback.

9.4 Failed Transactions

Failed transactions are typically auto-reversed within five (5) to seven (7) business days.

10. Governing Law and Dispute Resolution

This Policy is governed by the laws of India. Members in other jurisdictions retain all statutory consumer rights under their local laws.

11. Contact and Grievance Redressal