Refund & Cancellation Policy

1. Introduction

This Refund & Cancellation Policy explains how cancellations, refunds, and device deposit refunds are handled by Himalayan Guardian Nepal Pvt. Ltd. for products and services purchased through the platform.

2. Cancellation Before Policy Issuance

Before the insurance policy is issued, the user may request cancellation through the platform or an approved support channel.

If the cancellation request is accepted before policy issuance, Himalayan Guardian Nepal Pvt. Ltd. may deduct fifteen percent (15%) of the contract price as a cancellation, administrative, and processing charge. The remaining amount will be refunded through the original payment method, subject to applicable payment gateway processing timelines, deductions, charges, and refund rules, where permitted by the relevant payment gateway or service provider.

3. Cancellation After Policy Issuance

Once the insurance policy has been issued, the policy and related service are generally irrevocable and non-refundable, unless otherwise required by applicable law or expressly stated in the applicable product documents.

4. Order Rejection or Cancellation by Himalayan Guardian Nepal Pvt. Ltd.

• Required documents are unclear, invalid, incomplete, or missing.
• User information is incomplete, inaccurate, or inconsistent.
• The user does not meet product eligibility requirements.
• The selected route/activity is outside the product scope.
• Payment cannot be verified.
• Required health declaration or consent is missing.
• Any other condition makes the order unsuitable for policy issuance.

If Himalayan Guardian Nepal Pvt. Ltd. cancels an order before policy issuance because eligibility or documentation requirements are not met, Himalayan Guardian Nepal Pvt. Ltd. may issue a refund through the original payment method, subject to applicable product documents and processing requirements where permitted by the relevant payment gateway or service provider.

5. No Refund After Trip Start

Refunds are not available after policy issuance or after the trip/yatra/service start date, unless expressly required by applicable law or official product documents.

6. Device Deposit

Where a device deposit is required, the standard deposit for the Tracer M3 device is USD 150, unless a different amount is stated in the order confirmation, product documents, or applicable device rental terms.

The device deposit is separate from the insurance or service price unless it is expressly stated as included in the order. The deposit, its refund conditions, possible deductions, return requirements, and related user obligations are governed by the applicable

7. Device Deposit Refund and Deductions

8. Late or Non-Return of Device

If the device is not returned within the required timeframe, including within three (3) days after coverage expiration or such other period stated in the applicable Device Rental and Usage Terms, Himalayan Guardian Nepal Pvt. Ltd. may treat the device as lost and deduct the applicable amount from the device deposit or charge the user for the applicable loss, replacement, recovery, or administrative costs.

Himalayan Guardian Nepal Pvt. Ltd. may still require the user to return the device even after any deduction or charge has been made.

9. Refund Method and Timeline

Refunds are generally processed through the original payment method. Refund timelines may depend on payment gateway, card network, bank, currency, and administrative processing time. Payment gateway charges, bank charges, foreign exchange differences, or intermediary fees may not be controlled by Himalayan Guardian Nepal Pvt. Ltd.. This clause should be read together with Clause 2 and any applicable cancellation, refund, deposit, or product-specific terms.

10. Contact

For refund or cancellation requests, contact support@himalayanguardian.com.