Refund & Cancellation Policy
Last updated: October 2026
The short version
Before admin approval — you may cancel and receive a 90% refund of the amount paid. The remaining 10% is the non-refundable payment-gateway / processing fee that we are charged even when an order is refunded.
After admin approval — your personalised PDF report and tax invoice have been generated and emailed, so the order is completed and non-refundable.
Refunds are processed within 3 working days (Monday to Friday, public holidays excluded) to your original payment method.
1. Before Admin Approval — 90% Refund
Every paid order passes a manual verification step. Until our administrator approves the order and generates your report, nothing has been calculated, printed or dispatched, so the order can still be cancelled. If you cancel at this stage, 90% of the amount you paid is refunded. The retained 10% covers bank, card-network and wallet charges (PayPal, card, UPI/GPay) that are not returned to us when a transaction is refunded.
2. After Admin Approval — Order Completed, Non-Refundable
Your horoscope, matrimonial matching report, baby naming certificate or Subha Muhurtham date report is uniquely calculated for your birth details and is delivered as a personalised digital PDF. Once the administrator has approved the order and the report and tax invoice have been emailed to you, the order is completed. Because the product is personalised, delivered and cannot be returned, no refund or cancellation is available after approval.
3. Refund Processing Time — 3 Working Days
Once a refund is approved it is completed within 3 working days, counted in working days only (Saturday, Sunday and public holidays are excluded). The money is returned to the same payment method and in the same currency you paid with — PayPal, credit/debit card, UPI/GPay or your wallet. Your bank or wallet provider may take one further working day to display the credit on your statement.
4. Wrong Birth Details Before Approval
If you discover an error in your birth date, birth time or birthplace before approval, contact us immediately at admin@astrosivam.com with your order number. Input corrections made before the report is generated are free of charge, and no refund is needed — we simply recalculate your chart with the corrected details.
5. How to Request a Refund
Email admin@astrosivam.com from your registered email address, quoting your order number (it starts with ASTRO-) and the reason for cancellation. Our team verifies that the order has not yet been approved, then approves the 90% refund in a single click from the admin dashboard — no further paperwork, no forms to sign. You will receive a refund confirmation email with the exact amount and the expected settlement date.
6. Free Beta Reports
Free beta reports (the first report offered free of charge under the beta programme) carry no payment, so no refund arises. They may be cancelled at any time before approval.
7. Duplicate or Failed Payments
If a payment was deducted twice, or money left your account without an order being created, contact us with the transaction reference. Verified duplicate or orphaned payments are returned in full (100%), since no service was ordered or delivered.
8. Chargebacks
Please contact us before asking your bank or card provider to raise a chargeback. Once a report has been emailed, a chargeback raised for a delivered personalised digital product will be contested with the delivery records (the dated email, the generated PDF report and the tax invoice) we retain for every order.
This policy is governed by the laws applicable at the place where ASTRO SIVAM is registered and applies to all ASTRO SIVAM orders placed on astrosivam.com. For any clarification, write to admin@astrosivam.com.