REFUND, CANCELLATION AND RESCHEDULING POLICY

Effective Date: 2 Feb 2026

This policy applies to consultation services provided by Muhammad Hassaan Sajeer.

1. General Refund Position

Refund requests are reviewed individually and decided on a case-by-case basis.

Making a request does not automatically guarantee approval.

Relevant factors may include:

• Reason for requesting the refund
• Time remaining before the session
• Whether the consultation time was reserved
• Whether another client was declined for that period
• Work or preparation already completed
• Whether any part of the service has already been provided
• Client conduct
• Payment-verification requirements
• Exceptional or unavoidable circumstances

2. Last-Minute Cancellation

A refund is not ordinarily provided where a client cancels at the last moment because:

• A specific time was reserved for that client
• The consultant remained unavailable to other clients during that period
• Scheduling and preparation may already have taken place

Exceptional circumstances may still be considered individually.

3. Missed Consultation

A client who misses the agreed consultation is not automatically entitled to a refund.

Where there is a genuine and valid reason, Muhammad Hassaan Sajeer may offer rescheduling instead of a refund, subject to availability and discretion.

Repeated missed sessions, unexplained absence, or failure to communicate may result in the payment being treated as non-refundable.

4. Rescheduling

Clients should request rescheduling as early as reasonably possible.

A new session time is subject to:

• A reasonable explanation
• Availability
• Mutual agreement
• The client’s previous attendance and rescheduling history

A requested time is not confirmed until expressly accepted.

5. Consultation Already Started or Completed

Once a consultation has started or been completed, the fee is ordinarily non-refundable.

Dissatisfaction with advice, disagreement with the consultant’s opinion, or failure to achieve a preferred personal outcome does not by itself create a right to a refund.

The service is the provision of time, attention, assessment, advice, and guidance. No particular result is sold or guaranteed.

6. Client Misconduct

No refund is ordinarily provided where a consultation is refused or ended because of:

• Abuse
• Harassment
• Threats
• Fraud
• Impersonation
• Illegal requests
• Deliberately false information
• Unauthorised recording
• Serious violation of the Terms and Conditions

7. Consultant Cancellation

Where Muhammad Hassaan Sajeer cannot provide the consultation at the agreed time, reasonable efforts will be made to arrange another mutually acceptable time.

Where the consultation cannot be provided and no mutually acceptable alternative can be arranged, the client may request a refund. The circumstances will be reviewed fairly and individually.

8. Refund Method

An approved refund will ordinarily be returned through a reasonable and verifiable payment method.

The client may be required to provide:

• Proof of the original transfer
• Sender or account-holder information
• Transaction reference
• Appropriate receiving-account details
• Reasonable identity verification

Refunds will not be sent to an unrelated third party without adequate verification.

9. How to Request a Refund

Refund, cancellation, or rescheduling requests may be submitted through WhatsApp:

+92 302 8222046
+92 370 0955874

The request should include:

• Client name
• Payment date and amount
• Transaction evidence
• Scheduled consultation date
• Reason for the request