Cancellation & Refund Policy

Cancellation and refund rules for these are set by the supplier, not by us. Before you pay, we tell you the rules that apply to your booking, including any non-refundable fares and rooms, deadlines and charges.

• You get back what the supplier refunds, after we receive it. Supplier refunds commonly take 15 to 60 business days.
• Some fares, rooms and packages are non-refundable or non-changeable. Where that is so, we say it in your quotation before you confirm.
• Any handling fee we charge for a cancellation or amendment is told to you in advance.
• To cancel, message us in writing on WhatsApp or email as early as you can. The date and time we receive it is the cancellation time.

We strongly recommend travel insurance. It can cover costs that the supplier will not refund.

• Cancel or reschedule at least 24 hours before the session for a full refund, or a free move to another slot.
• Less than 24 hours' notice, or a missed session, is not refunded, but we will reschedule once if you contact us within 7 days.
• If we cancel or cannot hold the session, we refund in full or rebook you, as you prefer.

• The checklist is a digital document that you can view immediately after payment. Once it has been unlocked and shown to you, it is not refundable, because it cannot be returned.
• You will get a refund if you were charged twice, if you paid but the checklist did not open and we cannot fix it within 3 working days, or if the payment failed but money was deducted.
• The checklist is general guidance based on the profile you choose. It is not legal advice, and it is not a guarantee of a visa. Rules change, so always check the official embassy or government website before applying.

Refunds go back to the original payment method. After we approve a refund, Razorpay and your bank usually take 5 to 10 working days to show it. Ask us for the reference if it has not arrived.

Embassy, consulate and visa-centre fees are paid to the authority and are not refundable by them, or by us, if a visa is refused or delayed. Our own service fee for a visa application is covered by what we agree with you before we start.

Nothing in this policy takes away any right you have under consumer law. If something went wrong with a booking, contact us first so we can fix it. Write to luminajourneys@zohomail.in or WhatsApp +91 88391 89630. We aim to reply within 2 working days and to resolve or explain within 30 days.