Khidma – Refund Policy

1. Refund Eligibility (Conditional & Discretionary)

A refund or waiver of charges may be considered only at Khidma’s sole discretion if the user is dissatisfied with a paid service. To be eligible for consideration, the user must:

• Send a written request via email to connect@khidma.live
• Clearly state a minimum of two (2) specific reasons for dissatisfaction
• Provide constructive suggestions for how Khidma can improve its service

Failure to meet all three requirements will result in the request being rejected automatically.

2. No Automatic Right to Refund

• Submitting feedback does not guarantee a refund.
• Refunds are not a user entitlement and are assessed on a case-by-case basis.
• Khidma reserves the absolute right to approve or deny any refund request without obligation to provide further justification.

3. Scope of Refunds

• If payment has already been completed, Khidma may issue a partial or full refund, at its sole discretion.
• If payment has not been completed, Khidma may waive the applicable charges.
• Refunds are applicable only to the specific session in question.

4. Exclusions

Refunds will not be provided in the following cases:

• Dissatisfaction based on disagreement with advice, opinions, or religious interpretation
• Claims related to emotional impact, personal decisions, or outcomes following guidance
• Requests made with abusive, threatening, manipulative, or misleading intent
• Repeated refund requests from the same user
• Claims raised after an unreasonable delay
• Allegations not supported by platform records

5. Abuse of Refund Policy

Khidma reserves the right to:

• Reject refund requests deemed frivolous, malicious, or made in bad faith
• Suspend or terminate user accounts that repeatedly misuse the refund process
• Take appropriate action to protect the platform, its advisors, and its operations

6. Processing Timeline

• Approved refunds will be processed within 7–10 business days
• Refunds will be credited to the original payment method only
• Khidma is not responsible for delays caused by banks or payment gateways