Policy Overview

Vishwanta Overseas ("Company", "we", "us", or "our") is committed to providing exceptional immigration and visa consultancy services. This refund policy outlines the terms and conditions under which refunds may be processed for services rendered.

By engaging our services, you acknowledge that you have read, understood, and agree to be bound by this refund policy.

Service Categories & Refund Terms

1. Consultation Services

• Initial Consultation Fees: Non-refundable once the consultation has been conducted
• Pre-consultation Cancellation: Full refund if cancelled 24 hours before scheduled time
• Expert Assessment Reports: Non-refundable once delivered to client

2. Visa Application Processing Services

• Government Fees: Non-refundable under all circumstances as these are third-party charges
• Service Fees: Refundable only if application has not been submitted to authorities
• Documentation Services: Non-refundable once documents have been prepared and reviewed
• Application Submission: No refunds once application is submitted to government authorities

3. Educational Services

• University Application Fees: Non-refundable once applications are submitted
• Course Counseling: Refundable if cancelled before first session
• Institution Registration: Subject to institution's refund policy

Refund Conditions & Eligibility

Eligible for Refund:

• Services not yet commenced or delivered
• Cancellation within specified cooling-off period (where applicable)
• Significant service delivery failure on our part
• Technical errors in payment processing

Not Eligible for Refund:

• Government visa/application rejections or delays
• Changes in immigration policies or laws
• Client's change of mind after service commencement
• Incomplete or false information provided by client
• Third-party service provider delays or issues
• Services already rendered or completed
• Any government or institutional fees paid on client's behalf

Refund Processing Timeline

• Refund Request Review: 5-7 business days from receipt of written request
• Approved Refund Processing: 10-15 business days after approval
• Bank Transfer Time: Additional 3-5 business days depending on banking institution
• International Transfers: May take up to 21 business days

Refund Request Process

Step 1: Submit Written Request

Email your refund request to refunds@vishwanta.com with the following information:

• Full name and contact details
• Service agreement or invoice number
• Detailed reason for refund request
• Supporting documentation (if applicable)
• Preferred refund method

Step 2: Review and Assessment

Our team will review your request against our refund policy terms and may request additional information or documentation.

Step 3: Decision Notification

You will receive written notification of our decision within 7 business days of submission.

Step 4: Refund Processing

If approved, refunds will be processed to the original payment method or as otherwise agreed in writing.

Partial Refunds

In certain circumstances, partial refunds may be applicable:

• Service Interruption: Proportional refund based on services not yet delivered
• Downgrade of Services: Difference in fee structure may be refunded
• Administrative Costs: Processing fees (up to 10% of service fee) may be deducted
• Third-party Costs: Any non-recoverable third-party expenses will be deducted

Legal Disclaimers & Limitations

Service Limitations:

• We provide consultation and assistance services only; outcomes are not guaranteed
• Immigration decisions rest solely with government authorities
• Policy changes by governments are beyond our control
• We are not liable for delays or rejections by third parties

Liability Limitations:

• Our maximum liability is limited to the fees paid for services
• We are not liable for consequential or indirect damages
• No compensation for loss of opportunity or time
• Force majeure events exclude liability

Extended Legal Protection & Terms

Force Majeure & External Factors (Comprehensive)

• Government Policy Changes: Immigration law amendments, point system changes, visa category modifications void refund claims
• Embassy/Consulate Operations: Closures, strikes, reduced processing, interview delays are beyond our control
• Pandemic & Health Emergencies: COVID-19, health restrictions, travel bans, quarantine requirements
• Political & Economic Instability: Wars, sanctions, diplomatic issues, economic crises affecting immigration
• Natural Disasters: Earthquakes, floods, hurricanes, fires affecting government operations
• Technology & System Failures: Government portal crashes, system maintenance, cyber attacks
• Third-Party Dependencies: IRCC, Home Office, Skills Assessment bodies, Medical Panel delays
• International Relations: Bilateral agreements changes, trade disputes affecting visa programs

Client Responsibility & Compliance Requirements

• Document Authenticity: All certificates, transcripts, experience letters must be genuine and verifiable
• Information Accuracy: False information, omissions, or misrepresentations void all agreements
• Criminal History Disclosure: Failure to disclose any criminal record immediately terminates service
• Previous Application History: Must disclose all previous visa applications and refusals
• Financial Capability: Must maintain required financial proof throughout process
• Language Proficiency: Must achieve required IELTS/PTE scores; retakes are client's responsibility
• Health Requirements: Must pass medical examinations; health issues void refund rights
• Timeline Compliance: Must respond to requests within 48 hours; delays forfeit refund rights
• Document Submission: Must provide original documents when requested
• Regulatory Compliance: Must comply with all source and destination country laws

Professional Service Limitations

• Advisory Services Only: We provide consultation; decisions rest with immigration authorities
• No Success Guarantee: Visa approvals depend on multiple factors beyond our control
• Processing Time Estimates: Government timelines are indicative only; delays are common
• Policy Interpretation: Immigration rules are complex; interpretations may vary
• Individual Circumstances: Each case is unique; results cannot be guaranteed
• Market Conditions: Job availability, economic factors affect immigration prospects
• Skills Assessment: Professional recognition bodies have independent criteria
• Educational Credentials: WES, IQAS assessments are external evaluations

Financial Terms & Transaction Conditions

• Payment Processing: All payments final once processed; reversal requires written approval
• Currency Exchange: Rate fluctuations do not affect agreed fees
• Banking Charges: All transfer fees, conversion charges deducted from refunds
• Tax Obligations: Client responsible for tax implications in their jurisdiction
• International Remittance: Subject to FEMA regulations and banking compliance
• Payment Method Limitations: Refunds only to original payment source
• Partial Payment Terms: Services commence only upon full payment receipt
• Late Payment Penalties: Overdue amounts may incur interest charges

Dispute Resolution & Legal Framework

• Exclusive Jurisdiction: All disputes under Hyderabad, Telangana court jurisdiction only
• Arbitration Mandatory: Binding arbitration required before court proceedings
• Legal Cost Recovery: Unsuccessful claimants bear all legal expenses
• Limitation Period: Claims must be filed within 60 days of service completion
• Class Action Waiver: No participation in group or class action suits permitted
• Settlement Preference: Mutual settlement encouraged before legal action
• Evidence Requirements: All claims must be supported by documentary evidence
• Legal Representation: Parties may engage lawyers at their own cost

Complete Refund Exclusions

Pre-Application Phase Exclusions

• Initial Consultation: Assessment fees non-refundable once consultation conducted
• Eligibility Evaluation: Preliminary assessments completed are final
• Document Review: Time spent reviewing client documents non-recoverable
• Strategic Planning: Immigration pathways and strategies identified
• Market Research: Information about provinces, programs, opportunities provided

Application Processing Exclusions

• Application Submission: Once filed with authorities, no refunds possible
• Government Fees: All official fees paid to authorities are non-refundable
• Third-Party Costs: Medical exams, police certificates, translations, notarizations
• Skills Assessments: Professional body evaluation fees and processes
• Language Tests: IELTS, PTE, CELPIP test fees and preparation
• Educational Assessments: WES, IQAS, CES credential evaluation costs
• Biometric Fees: Government biometric collection charges

Client-Related Exclusions

• Personal Changes: Marriage, divorce, job changes affecting eligibility
• Health Issues: Medical conditions discovered during process
• Financial Constraints: Unable to meet proof of funds requirements
• Family Circumstances: Spouse refusal, dependent issues, relationship changes
• Career Changes: Job changes affecting NOC classification or experience
• Educational Issues: Degree recognition problems, transcript issues
• Character Concerns: Criminal history, previous violations discovered

External Factor Exclusions

• Employer-Related: Job offer withdrawals, LMIA delays, company closure
• Educational Institution: University rejections, course cancellations, fee changes
• Regulatory Changes: Sudden policy modifications, point system adjustments
• Economic Factors: Recession, job market changes, provincial nomination closures
• International Relations: Diplomatic issues, trade disputes affecting programs

Professional Regulatory Compliance

Regulatory Body Compliance

• ICCRC Standards: Immigration Consultants of Canada Regulatory Council guidelines
• MARA Compliance: Migration Agents Registration Authority (Australia) requirements
• Professional Ethics: Adherence to professional codes of conduct and ethics
• Continuing Education: Regular updates on immigration law changes and requirements
• Quality Assurance: Internal quality control measures and peer reviews

Data Protection & Privacy Comprehensive

• Information Security: Robust data protection measures and secure storage
• Privacy Compliance: GDPR, PIPEDA, and local privacy law adherence
• Document Retention: Files maintained as per regulatory requirements
• Third-Party Sharing: Information shared with authorities cannot be recalled
• Confidentiality Limits: Legal obligations may require information disclosure

International Transaction Compliance

• Anti-Money Laundering: AML compliance and suspicious transaction reporting
• Foreign Exchange: FEMA regulations and RBI guidelines compliance
• Tax Reporting: International transaction reporting requirements
• Sanctions Compliance: Adherence to international sanctions and restrictions

Comprehensive Risk Management

Immigration Process Risks

• Policy Volatility: Immigration policies subject to frequent changes without notice
• Processing Delays: Government backlogs and capacity issues cause delays
• Eligibility Changes: Requirements may change during application process
• Documentation Risks: Document verification processes becoming more stringent
• Technology Dependencies: Online systems prone to failures and maintenance

Client Risk Acknowledgment (Extended)

• Market Dynamics: Job markets, economic conditions, and demand fluctuations
• Competition Factors: Increasing competition for limited visa spots
• Skills Relevance: Occupational demand changes affecting nomination chances
• Age Factors: Age limits and point deductions over time
• Language Requirements: Increasing language score requirements
• Financial Markets: Exchange rate impacts on required financial proof

Liability Limitations (Comprehensive)

• Maximum Liability Cap: Limited to actual service fees paid, never exceeding ₹2,00,000
• Consequential Damages: No liability for lost income, travel costs, accommodation expenses
• Opportunity Costs: Not responsible for missed opportunities or alternative options
• Emotional Distress: No compensation for stress, anxiety, or emotional impact
• Business Losses: Not liable for business or career-related losses
• Third-Party Costs: Not responsible for expenses incurred with other service providers

Exceptional Circumstances

In extraordinary situations, we may consider refunds outside the standard policy terms:

• Medical Emergencies: Documented medical conditions preventing service utilization
• Compassionate Grounds: Death or serious illness in immediate family
• Natural Disasters: Force majeure events affecting client's circumstances
• Service Provider Error: Significant errors or misconduct on our part

All exceptional circumstances require proper documentation and are subject to management discretion.

Dispute Resolution

In case of disagreements regarding refund decisions:

• Internal Review: Request senior management review within 30 days
• Mediation: Mutually agreed independent mediation
• Arbitration: Binding arbitration under Indian Arbitration Act
• Legal Recourse: Courts in Hyderabad, Telangana have exclusive jurisdiction