TERMS AND CONDITIONS

A to Z Pandit — www.atozpandit.com

Owned and Operated by Web Tadka Technologies

108, Terraform K Residences, Everest World, Dhokali, Kolshet Road, Thane West – 400607, Maharashtra, India

Effective Date: May 30, 2026  |  support@atozpandit.com  |  legal@atozpandit.com

1. About the Platform, Definitions & Legal Framework

AtoZ Pandit (www.atozpandit.com) is an online intermediary marketplace owned and operated by Web Tadka Technologies ("Company", "We", "Platform"), facilitating bookings between Users and independent Pandits, Astrologers, and spiritual service providers.

 

Legal Framework: These Terms comply with the IT Act 2000, IT (Intermediaries Guidelines) Rules 2021, Consumer Protection Act 2019, Consumer Protection (E-Commerce) Rules 2020, Arbitration and Conciliation Act 1996, GST Act 2017, Digital Personal Data Protection Act 2023, Bharatiya Nyaya Sanhita 2023, and all other applicable Indian laws.

 

Services include: Vedic Puja/Havan/Homam (in-person & E-Puja), Astrological consultations (online video/audio), Kundli/Muhurat/Vastu, Dosha remedies, festival & ceremonial poojas, and optional sale of lab-certified gemstones, yantras, and pooja samagri.

 

Key Definitions:

•       "User/Booking Person" — any person accessing or booking on the Platform.

•       "Service Provider/Pandit/Astrologer" — independent freelance professionals, NOT employees or agents of the Company.

•       "Booking" — a valid confirmed reservation completed exclusively through the official Platform process with full payment.

•       "Booking Amount" — the amount actually paid through the official gateway.

•       "Online Astrology Consultation" — any live video or audio consultation session booked and facilitated through the Platform.

•       "Consultation Link" — the session URL generated by the Platform immediately upon payment confirmation, valid for 30 minutes from the scheduled start time.

•       "Scheduled Start Time" — the confirmed time slot for which the consultation has been booked.

•       "Core Samagri" — dry non-perishable items up to 25% of Booking Amount.

•       "Fresh Items" — perishable items (milk, ghee, fruits, flowers, etc.) arranged solely by the User.

•       "Force Majeure" — any event beyond reasonable control including disasters, pandemics, government orders, accidents, technical failures.

2. User Eligibility & Representations

By using the Platform, you represent and warrant that you are at least 18 years of age, legally competent to contract under Indian law, and that all information you provide (including birth details) is accurate and complete. You are using the Platform for lawful spiritual purposes only.

The Platform strictly prohibits: use by minors; black magic, witchcraft, voodoo, or tantrism; and any fraudulent, abusive, or unlawful activity. Discovery of any such conduct results in immediate account termination without refund.

3. Mandatory Platform Booking Policy — Critical Terms

 

Unofficial Bookings — Zero Liability:

The Company bears ZERO responsibility for any service, incident, loss, or dispute arising from bookings made directly with a Pandit/Astrologer through any personal communication channel; bookings through any third-party platform; or direct arrangements bypassing the Platform.

4. Non-Arrival of Service Provider / Service Disruption

Primary Action — Rescheduling: If a confirmed Pandit or Astrologer cannot attend due to illness, accident, or Force Majeure, the Company shall first make best efforts to arrange an alternate qualified Service Provider at the next available slot.

Fallback — Refund: Only if the Company is entirely unable to arrange any replacement shall a full refund of the Booking Amount be processed. Refund Processed in 15 Minutes — Once Our Team Approves.

5. Payment Terms & Pooja Package Conditions

All payments must be made exclusively through the official Platform payment gateway (Razorpay/PayU or equivalent). All amounts are in INR inclusive of GST. A Booking is confirmed only upon receipt of full payment and written acknowledgement.

 

Gemstone/Yantra Sales: Lab-certified (GIA/IGI where applicable), energised per Vedic procedures. India shipping only; 5–10 business days delivery. Personalised/energised items are non-returnable. Defect claims must be made within 48 hours of delivery with photographic evidence.

 

5A. Pooja Package — Duration, Samagri & Geographic Terms

Chat/Call Support Hours: For Pooja Booking Services, whether availed Online (E-Puja) or Offline (in-person, on-venue), Chat/Call support is available from Monday to Sunday, between 11:00 AM to 7:00 PM IST (Indian Standard Time). Queries or booking requests raised outside these hours will be attended to on the next available slot within these hours, at the Platform’s discretion.

Duration: The Booking Amount covers the Platform-specified pooja duration plus a goodwill grace of up to 2 additional hours. The grace period is NOT an automatic entitlement.

Samagri: Core Samagri (dry, non-perishable items) is included up to a maximum of 25% of the Booking Amount. All Fresh Items and any samagri beyond the 25% cap are the User's sole responsibility.

Geographic Coverage: Standard pricing applies within 50 km straight-line from the Company's registered office. For venues beyond 50 km, customised pricing plus Transport/Travel Charges apply, all quoted and paid in advance.

6. Cancellation and Refund Policy

6A. Pooja & Pandit Bookings — Refund Slabs

All cancellations must be requested by email to support@atozpandit.com with Booking ID and registered mobile.

 

The refund slab for Pooja and Pandit Bookings is as follows: where cancellation is requested more than 48 (forty-eight) hours before the scheduled booking date and time, a deduction of 15% of the Booking Amount applies towards admin and banking/gateway charges, and the remaining 85% of the Booking Amount is refunded to the User. Where cancellation is requested between 24 (twenty-four) and 48 (forty-eight) hours before the scheduled booking date and time, a deduction of 25% of the Booking Amount applies towards admin, banking, and Pandit commitment charges, and the remaining 75% of the Booking Amount is refunded to the User.

Where cancellation is requested less than 24 (twenty-four) hours before the scheduled booking date and time, or in the event of a no-show, 100% of the Booking Amount is forfeited and NIL / ZERO refund is issued, since the Pandit has, by this stage, already been committed and deployed for the booking and no recovery of the allocated resource is possible.

 

6B. Astro Chat & Astro Call — Absolute No-Refund

If a session is disrupted due to a verified Platform-side technical failure, the Company may at its sole discretion offer a service credit (not cash) for the affected portion only. This is a goodwill gesture, not a right.

6C. Digital Reports — Non-Refundable Once Delivered

Kundli, muhurat, compatibility, and all other written/digital reports are strictly non-refundable once delivered to the User's registered email. Incorrect birth details provided by the User do not entitle them to a refund.

6D. Refund Processing

Refund Processed in 15 Minutes — Once Our Team Approves. Refunds are credited to the original payment source only.

6E. Non-Refundable Situations — Exhaustive List

No refund shall be issued for: unofficial bookings; unofficial payments; cancellations under 24 hours; no-show; non-responsiveness to pre-event communications; Astro Chat/Call (any circumstance); delivered digital reports; completed services; spiritual dissatisfaction; personalised/energised items; incorrect User-provided information; pooja time overrun attributable to User; failure to arrange Fresh Items; extra duration charges once paid; account termination for Terms violation.

6F. Online Astrology Consultation — Specific Terms, Conditions & Absolute No-Refund Policy

 

6F.1 — Absolute No-Refund: Payment Finalised Upon Completion

The rationale for this policy is that astrological time and expertise is an instantaneously consumed, perishable service that cannot be returned, reused, or repackaged once rendered, even partially.

6F.2 — Operational Hours & Last Booking Cut-Off

Online Astrology Consultation services on the Platform are available during the following operational hours only:

•       Operational Hours: Monday to Sunday, 8:00 AM to 10:00 PM IST (Indian Standard Time).

•       Last Booking Accepted: 09:45 PM IST on any given day.

•       Chat/Call Support Hours: Chat/Call support for queries relating to Talk to Astrologers Services is available during the same hours as Pooja Booking Services, i.e. Monday to Sunday, between 11:00 AM to 7:00 PM IST. This Chat/Call support window is separate from, and shall not be confused with, the Operational Hours and Last Booking Accepted timing stated above, which govern the availability and scheduling of the actual astrology consultation session.

Any consultation payment made or booking submitted after 09:45 PM IST will not be scheduled for the same day. Such consultations will be automatically carried forward and allocated to the next available time slot on the following available calendar day or such subsequent date as determined by the Platform. The User will be informed of the rescheduled date and time slot via their registered mobile number and/or email address. No refund shall be issued on the ground that the consultation could not be scheduled on the same day as payment.

6F.3 — Consultation Link: Generation, Validity & Expiry

Upon successful realisation and Platform confirmation of payment, a unique Consultation Link for the video/audio session will be generated and shared with the User through their registered contact details. The following terms govern the Consultation Link absolutely:

•       The Consultation Link is generated immediately upon payment confirmation and is valid strictly for a period of 05 (Five) minutes from the Scheduled Start Time of the session.

•       The Consultation Link is personal, non-transferable, and may not be shared with any third party.

•       The Consultation Link is only activated and made live subject to: (a) realisation of payment through the official gateway; and (b) the Company's written/digital confirmation of payment. Pending or failed payments will not activate any Consultation Link.

6F.3A — Per-Session Duration, Question Limit & Extension

Every individual consultation session booked under the Talk to Astrologers Services is, in addition to the Consultation Link validity stated in Clause 6F.3, subject to a maximum duration of 10 (Ten) minutes (“Per-Session Duration”). The Per-Session Duration is calculated from the moment of the User’s first interaction with the Astrologer on the Consultation Link — that is, from the moment the call connects, the chat opens, or the first message or response is exchanged — and not from the time the Consultation Link was merely generated, opened, or left unattended.

•       The session shall automatically and irrevocably terminate upon expiry of the Per-Session Duration, irrespective of whether the consultation, query, or discussion stands completed at that time.

•       Within each Per-Session Duration, the User may raise a maximum of 5 (Five) questions. The Astrologer shall make reasonable efforts, within the time available, to address the questions raised; however, neither the Company nor the Astrologer guarantees that all 5 (Five) questions, or any specific number of questions, will be fully or partially answered within the session. The number of questions actually answered, the depth of each answer, and the allocation of time between questions rests entirely within the Astrologer’s sole professional discretion, having regard to the time remaining in the session.

•       If the User requires additional consultation time, additional questions to be answered, or a continued discussion beyond the Per-Session Duration, the User may book and pay for one or more additional sessions at the Platform’s then-applicable rates. No extension of the Per-Session Duration, and no additional session, shall be provided free of charge under any circumstances.

•       No refund, credit, rescheduling, or compensation of any kind shall be provided for: (a) any question left unanswered or only partially answered upon expiry of the Per-Session Duration; (b) time consumed by the User in articulating, explaining, or repeating a question; (c) time consumed in connectivity, greetings, or any matter not directly related to the substance of the consultation; or (d) the session automatically and correctly ending upon expiry of the 10 (Ten) minute Per-Session Duration in accordance with this Clause.

6F.3B — Astrologer’s Professional Discretion & Conduct-Based Termination

This Clause applies for the protection of both the Platform and the Astrologer, who is engaged as an independent freelance professional and not as an employee or agent of the Company, as set out in the Definitions section of this Agreement.

•       The Astrologer retains sole and complete discretion over the manner, sequence, depth, and extent to which questions are addressed within the Per-Session Duration. Neither the Company nor the Astrologer represents or warrants that any answer given within a time-bound and question-limited session constitutes a complete, exhaustive, or professionally comprehensive analysis of the User’s query.

•       The User acknowledges that responses provided within the Per-Session Duration are necessarily brief, general, and time-constrained, and agrees that neither the Company nor the Astrologer shall be held liable for any decision, action, or inaction taken by the User in reliance on such time-limited guidance.

•       The Astrologer reserves the right to terminate a session before expiry of the Per-Session Duration, without affecting the User’s payment obligation or entitlement to any refund, where the User is abusive, uses inappropriate or offensive language, makes the Astrologer uncomfortable, repeatedly exceeds the 3-question limit, or otherwise violates the Platform’s User Conduct obligations. Any such early termination shall be treated as a fully consumed and completed session for all purposes under this Agreement, including Clause 6F.10.

•       The Company acts solely as a technology intermediary facilitating the connection between the User and the independent Astrologer. The substance, accuracy, and adequacy of any answer given is the sole professional responsibility of the Astrologer; the Company is not vicariously liable for the content of any answer, and the Astrologer is not liable for any limitation in the response that arises solely from the time and question limits prescribed by this Clause.

6F.4 — Expired or Non-Functional Link: Platform Responsibility & Remedy

If the Consultation Link shared by the Platform is found to be expired, inactive, or technically non-functional due to reasons attributable solely to the Platform (not the User's device, network, or browser), the following and only the following remedy applies:

•       The Platform will generate and share a new Consultation Link with the User upon the User's timely intimation to the Platform support team at support@atozpandit.com.

•       The rescheduled session will be allocated to the next available time slot as determined at the sole discretion of the Platform.

•       The User accepts and agrees that this rescheduling to the next available slot is the complete and only remedy available, and constitutes full and final satisfaction of any claim arising from a non-functional or expired link attributable to the Platform.

6F.5 — Service Provider Availability & Astrologer Substitution

All Online Astrology Consultations are subject to the availability of the specific Service Provider (Astrologer) chosen and booked by the User at the time of booking. The User acknowledges and accepts the following:

•       The Platform makes best efforts to assign and make available the specific Astrologer selected by the User; however, availability cannot be guaranteed at all times due to technical, personal, health, connectivity, or other reasons.

•       If the selected or confirmed Astrologer is unavailable — whether due to technical issues, connectivity failure, illness, or any other reason — the Platform reserves the absolute and unconditional right to transfer and reallocate the User's consultation to another qualified Astrologer or Service Provider listed on the Platform.

•       The User irrevocably consents to such substitution and agrees that substitution of an equally qualified alternate Astrologer does not entitle the User to a cancellation, refund, or reduction in the consultation fee.

•       Where the Astrologer selected or confirmed by the User fails to connect, is unable to continue, or cannot otherwise render the consultation on account of any technical disruption or any other unavoidable circumstance, the same consultation shall be provided to the User by shifting it to the Platform’s regular or other Astrologer then available online, in place of the originally selected Astrologer.

•       The decision on whether to effect such shift, and the selection of the available Astrologer to whom the consultation is shifted, rests entirely and exclusively with the Platform’s discretion. The Platform is under no obligation to seek the User’s prior consent, or to inform or intimate the User, of any such change in the Astrologer assigned to the consultation, whether before, during, or after the change is effected.

6F.6 — Technical Failures by the Service Provider or Platform

In the event that the Service Provider (Astrologer) is unable to connect, join, or conduct the session due to technical reasons attributable to the Service Provider or Platform infrastructure (and not the User's device or network), the Platform shall:

•       Make best efforts to reconnect the Service Provider or arrange an alternate Service Provider within a reasonable time.

•       If reconnection is not feasible within a reasonable time, reschedule the consultation to the next available slot or shift it to the Platform’s regular or other Astrologer then available online, as the Platform may determine at its sole discretion.

The Platform is not obligated to seek the User’s prior consent to, or to inform or intimate the User of, any such reconnection, Astrologer substitution, or rescheduling effected under this Clause 6F.6. Any communication the Platform may choose to send to the User in this regard is purely a discretionary courtesy and does not create an obligation for future instances.

This rescheduling shall be the complete and final remedy. No cash refund will be issued for technical failures by the Service Provider or Platform unless the Platform is entirely unable to reschedule within a period of 7 (seven) calendar days from the original scheduled date, in which case a service credit (not cash refund) may be offered at the Company's sole discretion.

6F.7 — User's Device, Network & Technical Readiness Obligation

The User is solely responsible for ensuring the following prior to and during the consultation:

•       A stable, functional internet connection with adequate bandwidth for video/audio calls.

•       A compatible device (smartphone, tablet, or computer) with a working camera and microphone.

•       An updated browser or application compatible with the Consultation Link platform.

•       Being present, available, and ready at the Scheduled Start Time.

6F.8 — User No-Show: Deemed Completion

6F.9 — No Guarantee of Outcome

The Platform expressly disclaims and the User unconditionally accepts that no guarantee is made regarding the accuracy, reliability, spiritual efficacy, or real-world outcome of any astrological consultation, reading, prediction, remedy, or advice provided by any Astrologer through the Platform.

6F.10 — Summary of Absolute No-Refund Triggers for Online Consultations

For absolute clarity, no refund shall be issued under any of the following circumstances:

•       Payment made and any portion of session attended, however brief.

•       User no-show: failure to join within 05 minutes of Scheduled Start Time.

•       Session auto-completed upon expiry of the 10 - minute Per-Session Duration under Clause 6F.3A, irrespective of the number of questions answered.

•       Session terminated early by the Astrologer on account of the User’s conduct under Clause 6F.3B.

•       User device, network, or browser failure.

•       Consultation booked after 10:45 PM IST and shifted to next available slot.

•       User dissatisfied with advice, prediction, or Astrologer style.

•       Astrologer substituted by an alternate Service Provider.

•       Astrologer substitution or rescheduling effected without prior notice or intimation to the User, in accordance with Clauses 6F.5 and 6F.6.

•       User disconnected mid-session for any reason.

•       User did not receive the Consultation Link due to incorrect contact details provided by User.

•       Prepaid credits forfeited on account termination for policy violations.

7. Spiritual Disclaimer — Nature of Services & Content

AtoZ Pandit makes no guarantee regarding the spiritual efficacy or outcome of any pooja, havan, ritual, E-Puja, or astrological reading; the accuracy of any kundli, muhurat, or dosha remedy; outcomes in matters of health, wealth, career, marriage, or legal proceedings; or the efficacy of any gemstone, yantra, or remedial item.

Fire Safety: For fire-based rituals (havan, homam), the User must ensure adequate venue fire safety including a fire extinguisher and proper ventilation. The Company and Pandit are not liable for any fire-related accident, injury, or property damage at the User's venue.

8. Platform as Facilitator — Service Provider Disclaimer

The Platform's sole function is to provide a digital marketplace for discovery, facilitate bookings, process payments, and provide coordination support. The Company does not control, direct, supervise, or participate in the actual delivery of any service. The Company operates as an IT intermediary under the IT (Intermediaries Guidelines) Rules 2021.

9. User Conduct, Intellectual Property & Content Policy

User Obligations:

Provide accurate information; use Platform for lawful spiritual purposes only; maintain fire-safe venue; arrange all Fresh Items; be present at booking time; inspect physical items within 48 hours of delivery; not engage or solicit any Platform Service Provider for direct work within 12 months of their last Platform engagement; ensure device and internet readiness for online consultations.

 

Prohibited Conduct:

Users must not engage in illegal/fraudulent/abusive activity; post defamatory or harmful content; upload viruses; attempt unauthorised system access; reverse-engineer Platform software; impersonate others; post false reviews; or share login credentials. Violations result in immediate account termination and potential legal proceedings.

 

Intellectual Property:

All Platform content is owned by or licensed to the Company. Users are granted a limited, non-exclusive, non-transferable personal licence to access the Platform for personal use only.

10. Limitation of Liability & Indemnification

Indemnification: The User agrees to indemnify and hold harmless the Company, its directors, employees, Service Providers, and affiliates from any claims, liabilities, losses, damages, and expenses (including legal fees) arising from use/misuse of the Platform; Terms violations; false information; unofficial bookings or payments; disputes with Service Providers; or fire safety/venue preparation failures.

Force Majeure: The Company is not liable for any failure or delay due to natural disasters, pandemics, government restrictions, civil unrest, internet failures, or any event beyond its reasonable control.

11. Grievance Redressal, Defamation Protection & Resolution

Filing a Grievance: All formal complaints must be submitted exclusively by email to legal@atozpandit.com with: full name; Booking ID and date; complete factual description; supporting evidence; and specific relief sought. Complaints through phone, WhatsApp, or social media carry no defined response obligation.

Resolution Timeline: The Company shall acknowledge formal complaints within 72 working hours and endeavour to resolve them within 30 working days. For complex matters, the resolution period may be extended to a maximum of 180 calendar days.

Defamation Protection: Posting false, misleading, unverified, or defamatory content about the Company without first following the grievance process gives the Company the unconditional right to file civil and/or criminal defamation proceedings under the Bharatiya Nyaya Sanhita 2023 and IT Act 2000. All proceedings shall be before Thane courts exclusively.

12. Privacy, Data Protection & Partner Service Communications

Data Use: Personal information (name, birth details, email, phone, address, payment details) is collected for service delivery, booking coordination, payment processing, and legal compliance. Data is governed by the IT Act 2000, SPDI Rules 2011, and DPDPA 2023. We do not sell your data.

 

Data Sharing with Affiliated Brands & Partners:

Web Tadka Technologies shares your basic personal details (name, email address, and mobile number only) with affiliated brands, associated companies, and carefully selected partner organisations for the purpose of bringing relevant services and products to you. Sensitive personal data — birth details, kundli records, financial information — will NEVER be shared with any affiliated brand or partner.

 

DPDPA 2023: The Company shall comply with DPDPA obligations as they come into force as a Data Fiduciary. Users have rights of access, correction, erasure, and consent withdrawal. Contact legal@atozpandit.com to exercise these rights.

13. Governing Law, Dispute Resolution & Miscellaneous

Governing Law: These Terms are governed exclusively by Indian law. Disputes shall first be attempted amicably via email to legal@atozpandit.com. Unresolved disputes shall be referred to arbitration under the Arbitration and Conciliation Act 1996 before a sole arbitrator, seated at Thane, Maharashtra. For non-arbitrable matters, exclusive jurisdiction vests in the courts of Thane, Maharashtra, India only.

•       Amendments: The Company may amend these Terms at any time without prior notice. Changes take effect immediately upon posting. Continued use constitutes acceptance.

•       Severability: Invalid or unenforceable provisions shall be modified to the minimum extent necessary.

•       Non-Waiver: Failure to enforce any provision is not a waiver. Waivers must be in writing.

•       Assignment: The Company may assign these Terms freely. The User may not assign without prior written consent.

•       Electronic Contract: These Terms are a valid electronic contract under the IT Act 2000, enforceable without a wet signature.

•       No Partnership: These Terms do not create any employment, agency, partnership, or joint venture.

•       Entire Agreement: These Terms together with the Privacy Policy, Refund & Cancellation Policy, and Disclaimer constitute the entire agreement between the User and the Company.

 

Contact Us

General: support@atozpandit.com  |  Legal/Complaints: legal@atozpandit.com

Web Tadka Technologies, 108, Terraform K Residences, Everest World, Dhokali, Kolshet Road, Thane West – 400607, Maharashtra, India

 

© 2026 Web Tadka Technologies | All Rights Reserved | www.atozpandit.com | Effective: May 30, 2026