REFUND AND CANCELLATION POLICY

Healthy Mind by Avik™ | PodHub Network Effective Date: March 2026 Version 2.0 Document Reference: HMA-RCP-2026

Publisher: Digitimes Pvt Ltd, operating as Healthy Mind by Avik™ and PodHub ("Healthy Mind", "we", "us", "our")

Legal Entity: Digitimes Pvt Ltd

Brand: Healthy Mind by Avik™ | PodHub Network

Website: www.podhub.club

Contact: services@podhealth.club

Applies To: All podcast advertising placements (pre-roll, mid-roll, post-roll), episode sponsorships, network sponsorships, newsletter sponsorships, website display placements, digital event and webinar sponsorships, co-branding packages, podcast memberships and subscriptions, digital products and courses, guest appearance packages, and event ticket purchases where applicable.

1. General Policy

All sponsorships, advertising placements, event sponsorships, co-branding packages, memberships, subscriptions, digital products, and guest appearance packages involve reserved inventory, committed production time, and scheduled resources. Accordingly, all payments made to Healthy Mind by Avik™ and Digitimes Pvt Ltd are generally non-refundable, except as expressly stated in this Policy.

By making payment for any product, service, advertising, sponsorship, or event placement, you confirm that you have read, understood, and accepted this Refund and Cancellation Policy in full.

This Policy should be read alongside our Terms and Conditions and our Advertising and Sponsorship Terms, both of which are available at www.podhub.club/terms-privacy and which govern all commercial arrangements with Healthy Mind by Avik™ and Digitimes Pvt Ltd.

Nothing in this Policy limits any rights you may have under the mandatory consumer protection laws of your jurisdiction that cannot be excluded by contract. Australian consumers retain rights under the Australian Consumer Law. UK consumers retain rights under the Consumer Rights Act 2015. Canadian consumers retain rights under applicable provincial consumer protection legislation. These statutory rights are not affected by the terms of this Policy.

2. Payment Terms

Full upfront payment is required to confirm any booking or purchase, unless a separate written arrangement signed by both parties expressly states otherwise.

Currency: International clients are invoiced and payable in USD. India-based clients are invoiced and payable in INR.

Payment Methods: Payments are processed via our authorised payment partners: Razorpay for India-based transactions; Stripe for international card payments; and PayPal for PayPal-based transactions.

GST: GST is applicable to all India-based billing at the prevailing rate under applicable Indian GST law at the time of invoicing. A valid GST tax invoice will be issued to India-based clients upon receipt of payment.

GST on Refunds: Where a refund is issued on a GST-inclusive payment, a GST credit note will be issued in accordance with applicable Indian GST regulations. It is the client's responsibility to provide accurate GST registration details (GSTIN) at the time of booking.

Banking and Processing Fees: You are responsible for any applicable bank fees, currency conversion fees, or withholding taxes required by your jurisdiction, unless otherwise agreed in writing. These fees are not refundable under any circumstances.

3. Memberships and Subscriptions

3.1 Auto-Renewal

Where a product is offered on a recurring subscription basis, your subscription will automatically renew at the end of each billing cycle unless you cancel before the renewal date. You will be notified of any changes to subscription pricing in advance of the next renewal date.

3.2 Cancellation

You may cancel a subscription at any time by contacting us at services@podhealth.club or through your account settings where available. Cancellation will take effect at the end of the current billing period. You will retain access to subscription content until that date.

No partial refunds are provided for unused time within a billing cycle unless otherwise required by applicable law.

3.3 Refunds on Subscriptions

Refunds on subscription payments will not be issued for: failure to cancel before the renewal date; change of mind after a billing cycle has commenced; or partial use of subscription content within a billing period.

Where a technical error on our part results in an incorrect charge, we will investigate and issue a corrective refund within 7 to 14 business days of confirming the error.

Nothing in this Section limits any statutory rights you may have under the consumer protection laws of your jurisdiction.

4. Digital Products and Courses

4.1 General Rule

All digital products and courses, including downloadable materials, educational content, and digital resources, are non-refundable once they have been accessed, downloaded, or delivered to you.

4.2 Exceptions

A refund may be considered in the following limited circumstances: the product was not delivered due to a technical error on our part and cannot be redelivered within 5 business days of your written request; or the product delivered was materially different from what was described at the point of purchase.

To request a refund under these circumstances, contact us at services@podhealth.club within 7 days of purchase with your order details and a clear description of the issue. We will review your request and respond within 5 business days.

Nothing in this Section limits any statutory rights you may have under the consumer protection laws of your jurisdiction.

5. Advertiser and Sponsor Cancellations

The following cancellation terms apply to podcast placements, newsletter sponsorships, website display placements, and network sponsorship packages.

A. Cancellation before creative approval and before inventory is scheduled:

We may, at our sole discretion, issue a credit toward a future placement. Any credit issued will be net of non-recoverable payment processing costs. Refunds are not available except where required by applicable law.

B. Cancellation after creative approval or after inventory scheduling has commenced:

No refunds will be issued. We may, at our sole discretion, offer a credit toward a future placement if we are able to resell the affected inventory.

C. Cancellation after any portion of the placement has been delivered, published, sent, or displayed:

No refunds and no credits will be issued for any delivered portion of the placement. Credits may be considered at our sole discretion for any undelivered portion only.

Credits issued under this Section are a business courtesy and not a legal obligation. Credits are valid for 12 months from the date of issue and may be applied to any podcast, newsletter, website, or event placement offered by Healthy Mind by Avik™ at the time of redemption. Credits are non-transferable and have no cash value.

6. Guest Appearance Packages

6.1 Paid Guest Packages

Where a guest appearance has been booked and paid for as a commercial arrangement, the following terms apply.

Cancellations requested more than 14 days before the scheduled recording date may be eligible for a credit toward a future booking at our sole discretion. Cancellations requested within 14 days of the scheduled recording date are non-refundable and non-creditable.

Where the Guest fails to attend the scheduled recording without prior written notice of at least 48 hours, the full booking fee is forfeited and no credit or refund will be issued.

Where we are required to cancel or reschedule a booking due to circumstances on our side, we will make best efforts to offer an alternative recording date. If no suitable alternative is agreed within 30 days, a full refund will be issued.

6.2 Rescheduling

One complimentary rescheduling of a booked recording session is permitted where written notice is provided at least 7 days before the original scheduled date. Additional rescheduling requests may be subject to an administrative fee of USD $25 or INR equivalent, payable before the new date is confirmed.

7. Creative and Asset Delays

If you fail to provide the required creative assets, including audio scripts, ad reads, banner artwork, destination URLs, tracking URLs, written copy, or any other required materials, by the agreed submission deadline:

We reserve the right to postpone the placement, substitute the scheduling slot, or treat the booking as cancelled by you. No refunds will be issued in such circumstances. Where inventory can be rescheduled and we are able to accommodate it, we may at our sole discretion offer a credit toward a rescheduled placement.

It is your responsibility to allow sufficient time for creative production, internal approval, and submission before your scheduled air date or send date.

8. Make-Goods for Non-Delivery

If a confirmed and paid placement is not delivered due to an error or omission on our part, your sole and exclusive remedy is one of the following, at our election: a make-good placement of comparable value and audience reach delivered within a reasonable timeframe; or a credit toward a future placement of equivalent value, valid for 12 months from the date of issue.

We do not provide cash refunds for under-delivery or non-delivery where a make-good or credit is offered. If you do not wish to accept a make-good or credit, no further compensation is owed unless required by applicable law.

9. No Performance Guarantees

We do not guarantee any specific downloads, reach, impressions, clicks, conversions, sales, leads, return on investment, or any other performance metric for any placement.

You acknowledge that advertising and sponsorship outcomes depend on numerous factors outside our control, including audience behaviour, platform algorithms, and market conditions. No refund, credit, or compensation will be issued on the basis of campaign performance, results, or outcomes.

10. Rejection or Removal of Advertisements

We reserve the right to reject, suspend, or remove any advertisement or sponsorship at our sole discretion where it: violates applicable laws, regulations, or platform policies; contains misleading, unsubstantiated, or harmful claims; falls within a prohibited or restricted category as defined in our Advertising and Sponsorship Terms; or conflicts with our editorial values, audience safety standards, or network integrity.

If we reject an advertisement before it runs, we will notify you in writing and may offer a credit or rescheduling option at our discretion. A refund will be issued only where required by applicable law.

If an advertisement must be removed after it has run due to legal risk, regulatory action, or substantiated complaints, no refund will be issued for any portion of the placement that has already been delivered. Credits for undelivered portions will be considered at our sole discretion.

11. Digital Events and Webinar Sponsorships

A. Sponsor cancellation after booking:

Event and webinar sponsorships reserve inventory, production resources, and event infrastructure in advance. Accordingly, all event sponsorship payments are non-refundable after booking is confirmed. We may at our sole discretion offer a credit toward a future event or placement. Credits are valid for 12 months from the date of issue.

B. Event rescheduling by us:

If we reschedule a digital event or webinar, you may choose one of the following options: transfer your sponsorship to the rescheduled event at no additional cost; or accept a credit of equivalent value toward a future event or placement, valid for 12 months from the date of issue.

C. Event cancellation by us without a comparable replacement:

If we cancel a digital event or webinar and do not provide a comparable make-good alternative, we will issue either a credit or a pro-rata refund for the undelivered portion of the sponsorship, based on the deliverables already provided and costs already incurred. The form of remedy will be determined by us and communicated to you in writing within 14 business days of the cancellation notice.

12. Event Ticket Purchases

Where tickets to digital events or webinars hosted by Healthy Mind by Avik™ are made available for public purchase, the following terms apply:

Tickets are non-refundable once purchased, except where required by applicable law. Tickets may be transferred to another named attendee at our discretion, provided written notice is given to services@podhealth.club at least 48 hours before the event. If an event is rescheduled, purchased tickets remain valid for the new date. If you are unable to attend the rescheduled date, you may request a credit at our discretion by contacting services@podhealth.club within 7 days of the rescheduling announcement. If an event is cancelled without a replacement, refunds for ticket purchases will be processed in accordance with applicable consumer protection law and the policies of the relevant ticketing or payment platform used for the transaction.

13. Chargebacks and Payment Disputes

If you initiate a chargeback or payment dispute with your bank or payment provider for services that have already been delivered in whole or in part, we reserve the right to suspend all current and future placements associated with your account pending resolution of the dispute.

We strongly encourage you to contact us directly at services@podhealth.club before initiating any chargeback or dispute. Most billing issues can be resolved quickly and fairly through direct communication.

Nothing in this Section is intended to prevent you from exercising any chargeback rights you may have under applicable law or your card issuer's terms. Where a chargeback is found to be fraudulent or made in bad faith in respect of services that were demonstrably delivered, we reserve the right to pursue recovery of the disputed amount together with reasonable administrative costs to the extent permitted by applicable law.

14. Refund Processing

Where a refund is approved under this Policy, it will be processed to the original payment method used at the time of purchase within 7 to 14 business days of written confirmation of the approved refund, subject to the processing timelines of the relevant payment provider being Razorpay, Stripe, or PayPal.

We are not responsible for delays caused by payment processors, banks, or currency conversion processes beyond our control.

15. How to Request a Refund or Credit

To submit a refund or credit request, please contact us in writing at services@podhealth.club with the following information: your full name and contact details; your booking reference or invoice number; the date of purchase; a clear description of your request and the reason for it; and any supporting documentation where relevant.

We aim to acknowledge all refund and cancellation requests within 3 business days and to provide a full response within 10 business days of receiving your request.

16. Modifications to This Policy

We reserve the right to update or modify this Refund and Cancellation Policy at any time. The updated version will be published on our website with a revised Effective Date. Changes will apply to all new bookings and purchases made after the updated version is published. Existing confirmed bookings will be governed by the version of this Policy in effect at the time of booking.

17. Severability

If any provision of this Policy is found to be invalid, unlawful, or unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed entirely if modification is not possible. All remaining provisions shall continue in full force and effect.

18. Governing Law and Jurisdiction

This Refund and Cancellation Policy is governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with this Policy or any advertising, sponsorship, membership, digital product, or event arrangement shall be subject to the exclusive jurisdiction of the courts located in Gurugram, Haryana, India.

Before initiating any formal legal proceedings, both parties agree to attempt to resolve any dispute informally by contacting us at services@podhealth.club. We will make a good faith effort to resolve the matter within 30 days of receiving your written notice of dispute. If informal resolution is not achieved within 30 days, either party may refer the dispute to mediation before pursuing court proceedings. This clause does not prevent either party from seeking urgent injunctive or interim relief.

Digitimes Pvt Ltd is the contracting legal entity for all advertising, sponsorship, membership, digital product, and event arrangements entered into under this Policy.

International clients: you are responsible for compliance with all applicable laws and consumer protection regulations in your own jurisdiction. Nothing in this Policy limits any rights you may have under mandatory consumer protection laws that cannot be waived by contract.

19. Contact

For all cancellation requests, rescheduling enquiries, refund requests, credit redemptions, or billing questions, please contact us in writing:

Digitimes Pvt Ltd, operating as Healthy Mind by Avik™ | PodHub Network Founder: Avik Chakraborty Email: services@podhealth.club Website: www.podhub.club

Please include your booking reference, invoice number, and a clear description of your request. We aim to respond to all billing and cancellation enquiries within 5 business days.

Healthy Mind by Avik™ | PodHub Network | Founded by Avik Chakraborty "This isn't self-help. It's self-honesty."