Refund Policy

1. Refund Eligibility

Refund eligibility depends on:

• Booking status (confirmed / unconfirmed)
• Type of service
• Supplier rules
• Mode of payment

2. Refund Mode

• All approved refunds are processed only to the original mode of payment, as mandated by Razorpay and RBI guidelines.
• Wallet refunds, cash refunds, or third-party transfers are not permitted.

3. Refund Timeline

• Refunds are initiated within 3–5 working days after approval.
• Actual credit timelines depend on the bank or payment method.

4. Payment Gateway Charges

• Payment gateway charges are non-refundable once a transaction is processed.
• UPI payments are fully refundable, as no gateway charges are incurred.
• Applicable taxes on gateway charges may also be deducted.

5. Refunds Before Booking Confirmation

If a booking is cancelled or rejected before confirmation:

• Refund is processed after deducting gateway charges
• UPI payments receive a full refund

6. Subscription Refunds

• Subscription cancellations stop future auto-debits immediately.
• Past payments are refundable after deducting:
  • INR 1,000 administrative fee, and
  • Applicable payment gateway charges
• Auto-debit subscriptions comply with RBI e-mandate and Razorpay subscription norms.

7. Force Majeure Refunds

For events beyond AL-TAJ’s control (visa rejection, Saudi regulations, Masar/Nusuk suspension, pandemics, airline cancellations):

• Refunds are processed only to the extent recoverable from suppliers
• Non-recoverable components remain non-refundable
• No compensation for indirect or consequential losses

1. Customer-Initiated Cancellation (Before Confirmation)

• Eligible for refund after deducting:
  • Payment gateway charges
• UPI payments are fully refundable

2. Customer-Initiated Cancellation (After Confirmation)

3. Partial Payment Cancellations

• Partial payments are allowed only for Umrah & Ziyarah packages
• Balance payment deadlines are communicated individually
• Failure to pay the balance may result in cancellation
• Refunds, if any, are subject to applicable deductions

4. No-Show & Unused Services

• No-shows or unused services are strictly non-refundable
• This includes flights, hotels, visas, transport, and packages

5. Chargebacks & Disputes

• Initiating a chargeback may result in:
  • Booking suspension or cancellation
  • Account restrictions
• AL-TAJ reserves the right to contest disputes
• Chargeback fees or losses may be recovered from the customer

6. Right to Amend

AL-TAJ reserves the right to modify these policies at any time. The version available on the website at the time of booking shall prevail.