Last Updated: October 15, 2026
At S.K. & Associates, we are committed to delivering high-quality legal, tax, and compliance services. This Refund Policy outlines the terms under which refunds, cancellations, and adjustments are made for services purchased from us.
By purchasing any service from S.K. & Associates, you agree to the terms of this Refund Policy. Please read it carefully before making any payment.
1. Definitions
- "Professional Fee" refers to the fee charged by S.K. & Associates for providing the Services
- "Government Fee" refers to statutory fees payable to government authorities (MCA, Income Tax Department, GST, Trademark Registry, Patent Office, etc.)
- "Service Commencement" means the point at which we have started working on your engagement — including drafting, preparation, verification, or filing
- "Service Completion" means the point at which the requested service has been fully delivered and the acknowledgment or outcome has been shared with you
2. General Refund Principles
Our refund principles are simple:
- Professional Fees are refundable if the Service has not commenced at the time of cancellation — subject to the terms below
- Once Service Commencement has occurred, Professional Fees may be partially or fully non-refundable depending on the stage of work completed
- Government Fees are non-refundable in all cases, once they have been paid to the respective authority
- Refunds are processed to the original payment method within the timelines specified below
3. When Refunds Are Issued
You are eligible for a full refund of Professional Fees in the following cases:
- Before Service Commencement: You cancel the engagement before any work has started
- Duplicate Payment: You accidentally paid twice for the same service, and no additional work has been started
- Service Not Deliverable: We determine that we cannot deliver the service you requested (e.g., the service is outside our scope)
- Non-Completion Due to Our Error: Any delay or failure to deliver the service is attributable entirely to an error on our part
4. When Refunds Are Not Issued
Refunds will not be issued in the following cases:
- After Service Commencement: Work has already started on your engagement — including drafting, preparation, verification, or filing
- Government Fees: Any fee paid to a government authority, regardless of the outcome of your application
- Client-Side Errors: Incorrect, incomplete, or misleading information provided by you leads to rejection, delay, or penalties
- Change of Mind: You decide you no longer wish to proceed after work has begun
- Authority Rejection: A government authority rejects your application for reasons outside our control
- Missed Deadlines Due to Client Delay: You failed to provide required documents or responses within reasonable timeframes
- Custom or Consultancy Work: Services involving custom drafting, advisory, or hourly consultancy work already performed
5. Cancellation Policy
You may cancel a service at any point by contacting us:
- Before Service Commencement: Full refund of Professional Fees (excluding Government Fees, if already paid)
- After Service Commencement: Partial refund may be considered based on the stage of work, at our sole discretion
- After Service Completion: No refund is possible once a service has been fully delivered
To cancel a service, please write to us at support@skandassociate.com with your order details and reason for cancellation.
6. Partial Refunds
In certain cases, we may offer a partial refund based on the work completed. This is determined on a case-by-case basis and typically considers:
- The stage at which the service was cancelled
- The time and effort already invested by our team
- Any third-party costs already incurred (e.g., government fees, courier charges)
- Documents, drafts, or work products already delivered to you
7. Refund Request Process
To request a refund, please follow these steps:
- Step 1: Email your refund request to support@skandassociate.com within 30 days of the original payment
- Step 2: Include your full name, service purchased, order/invoice number, payment date, and reason for the refund request
- Step 3: Our team will review your request and respond within 5-7 working days
- Step 4: If approved, refunds are processed to the original payment method within 7-10 working days
8. Refund Timelines
Once a refund is approved, the amount is credited back as follows:
- UPI / Net Banking: 3-5 working days
- Credit / Debit Card: 5-7 working days (subject to bank processing)
- Bank Transfer (NEFT/RTGS): 5-7 working days
- Wallet Payments: 2-3 working days
Refund timelines are indicative and depend on your bank or payment provider's processing times, which are outside our control.
9. Chargebacks & Disputes
Before initiating a chargeback or payment dispute with your bank or payment provider, we request you to first contact us at support@skandassociate.com so we can resolve the matter directly. Chargebacks initiated without prior contact may delay resolution and could result in suspension of your account or services.
Any dispute regarding refunds must be raised in writing within 30 days of the original payment. Requests received after this period may not be entertained.
10. Special Cases
- Bundled Packages: If you purchase a bundled package, refunds are calculated only for the unstarted service components — not the entire package
- Software Subscriptions: Refunds for software subscriptions (e.g., GST software) are provided only if requested within 7 days of purchase and no more than 5 returns have been filed
- Free Trials: No refunds apply to free trial periods or complimentary services
- Renewal Fees: Renewal fees for ongoing services are non-refundable once the renewal period has begun
11. Changes to This Policy
We may update this Refund Policy from time to time to reflect changes in our practices or legal requirements. Material changes will be communicated via email or a prominent notice on our website. The "Last Updated" date at the top of this page indicates when the policy was last revised.
12. Contact Us
If you have any questions or concerns about this Refund Policy or would like to request a refund, please contact us:
Acknowledgment: By purchasing any service from S.K. & Associates, you acknowledge that you have read, understood, and agree to this Refund Policy.