Refund & Cancellation Policy
Clear, specific and without retention scripts. What you can cancel, when, and what comes back.
Last updated: 14 August 2026 | Operated by: Academy of Elite Doctors | Website: viretonaa.com
This policy applies to all memberships purchased on viretonaa.com and paid through Razorpay. It forms part of our Terms & Conditions.
1. Cancelling your membership
- Cancel any time from My Account → Subscriptions → Cancel
- No phone call, no retention conversation, no exit questionnaire
- Cancellation stops the next renewal; your access continues until the end of the period you have already paid for
- You keep any downloads and reports already issued to you
- If you cannot access your dashboard, email dramthirugnanam05@gmail.com from your registered address and we will cancel it for you within 2 working days
2. Refund windows
| Situation | Refund |
|---|---|
| First-time member, cancels within 7 days of first payment, and has not used a one-to-one consultation | 100% refund |
| First-time member, within 7 days, has used a one-to-one consultation | Refund less the published standalone value of the consultation used |
| Monthly plan, cancelled after day 7 | No refund for the current month; no further charges |
| Annual plan, cancelled after day 7 | Pro-rata refund of unused whole months, less any discount already enjoyed for annual pre-payment |
| Duplicate or accidental double charge | 100% refund of the duplicate, no questions asked |
| We fail to deliver a paid inclusion (e.g. a consultation we could not schedule) | Full refund of that component, or a free extension — your choice |
| Elite Heart VIP application declined by us | 100% refund within 5 working days |
| Serious illness, bereavement or genuine hardship | Discussed case by case — we have never refused a genuine request |
3. How to request a refund
- Email dramthirugnanam05@gmail.com with the subject "Refund Request"
- Include your registered email, the Razorpay payment ID from your receipt, and one line on why
- We acknowledge within 24 hours and decide within 5 working days
- Approved refunds are issued to the original payment method only
4. How long refunds take
Once approved, we initiate the refund through Razorpay within 2 working days. The money then takes:
- UPI — 1 to 3 working days
- Credit or debit card — 5 to 7 working days, depending on your bank
- Net banking — 3 to 5 working days
- Wallets — 1 to 3 working days
These timelines are set by your bank and Razorpay, not by us. Your Razorpay refund reference number is emailed to you as soon as it is initiated.
5. What is not refundable
- Consultations you attended, or missed without 12 hours' notice
- Laboratory tests you paid for directly at a third-party lab — we never receive that money
- Downloadable material already accessed, where a refund is sought after day 7
- Membership periods already fully consumed
- Accounts terminated by us for abuse, fraud or breach of Terms
6. Rescheduling consultations
Reschedule free of charge with at least 12 hours’ notice, from your dashboard. With less notice, or a no-show, the session is treated as used. If we reschedule, you get the slot back plus a complimentary extension of your period.
7. Chargebacks
If something has gone wrong, please email us first — we can usually resolve it faster than a bank dispute, and we will not argue over a genuine claim. Raising a chargeback without contacting us may result in account suspension while the dispute is investigated.
Questions about this policy?
Email dramthirugnanam05@gmail.com · 6-1-171, Hyderabad, Telangana, India – 500025· [+91 9441358435]
We respond to policy and grievance queries within 5 working days.
Complete Health. Better Life.
Doctor-led preventive cardiology and lifestyle membership. Founded by Dr. A M Thirugnanam, MD, MSICP, FSCAI, Ph.D. — Senior Interventional Cardiologist, Hyderabad.
Emergency: call 108 — do not use this website.
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