Refund & Cancellation Policy

POLARIS PAYMENTS & REFUND POLICY Version 1.1 Effective Date: 25 August 2026 Last Updated: 3 October 2026 1. Purpose and Scope This Payments & Refund Policy explains the pricing, billing, payment, cancellation and refund framework applicable to paid Polaris subscriptions and introduction credits. Polaris is operated by Anjanajyoti Healthtech Private Limited, New Delhi, India. Polaris provides digital platform services only and does not sell physical goods. 2. Payment Provider Position Polaris may use one or more approved payment providers and gateways for domestic and international payments. The applicable payment provider, payment method, currency, taxes and checkout terms will be displayed or otherwise disclosed at the time of purchase. Payment providers may process payment credentials in their own systems. Polaris does not intend to store users' full payment card or bank credentials. 3. Current Subscription Pricing All paid subscriptions in the current plan structure are billed monthly. The following pricing is the current published plan structure: Founder — India Silver — ₹1,299/month Gold — ₹2,999/month Founder — EU/UK Silver — €50/month Gold — €90/month Trusted Partner — India Standard — ₹3,000/month Professional — ₹5,500/month Enterprise — ₹12,000/month Trusted Partner — Europe/UK Standard — €99/month Professional — €179/month Enterprise — €399/month Trusted Partner — Rest of World Standard — $99/month Professional — $179/month Enterprise — $399/month Trusted Partner — Global Enterprise (India only) Global Enterprise — ₹25,000/month 4. Founder Introduction Allowances Founder membership allowances are separate from purchased introduction credits. The Founder membership cycle operates weekly: it starts Sunday at 3:00 AM IST and ends the following Sunday at 2:59 AM IST. The applicable membership allowance refreshes at 3:00 AM IST on Sunday. A mid-cycle signup receives the applicable allowance for the active cycle. There is no prorating or additional catch-up allowance. Unused membership introductions do not roll over and expire at the end of the applicable membership cycle. The exact introduction allowance for each Founder plan is governed by the applicable plan description and checkout disclosure. 5. Trusted Partner Subscription Entitlements Trusted Partner subscriptions are monthly subscriptions. The applicable plan provides the listing, visibility and introduction-related entitlements disclosed for that plan. For India, the current plans are Standard, Professional and Enterprise. For Europe/UK and Rest of World, the current plans are Standard, Professional and Enterprise at the prices stated above. The Global Enterprise plan is an India-only Trusted Partner plan priced at ₹25,000/month. The underlying service relationship between a customer and a Trusted Partner is directly between those parties. Polaris does not receive a referral fee or revenue share from the Trusted Partner's underlying services. 6. Introduction Credits Introduction credits are separate from subscription membership allowances. 1 introduction request requires 30 introduction credits. 1 introduction credit is priced at ₹10, making one introduction request equivalent to ₹300 when purchased at that rate. Purchased introduction credits are applied to the user's account as recorded by Polaris following successful payment and are not the same as membership-based introduction allowances. 7. Billing and Renewal Paid subscriptions are billed monthly unless the applicable checkout explicitly states otherwise. Where a subscription is configured for automatic renewal, the subscription may renew at the applicable recurring price until cancelled, subject to the terms shown at checkout and applicable law. Users are responsible for maintaining valid payment details and sufficient funds for recurring charges. 8. Taxes, Currency and International Payments Applicable taxes, including GST, VAT or other transaction taxes where applicable, may be added or reflected at checkout and on invoices in accordance with applicable law and the payment provider's configuration. International plans may be priced and collected in the currency displayed at checkout. Currency conversion, exchange rates and any bank or payment-provider charges may be determined by the relevant financial institution or payment provider. Users purchasing plans offered for the EU/UK or other international markets may be subject to mandatory local payment, consumer, tax, cancellation and refund rights. Those rights apply where required by applicable law regardless of the general refund provisions in this Policy. 9. Cancellation Users may cancel a recurring subscription through the cancellation mechanism made available by Polaris or the applicable payment provider. Cancellation stops future renewal charges. Unless applicable law requires otherwise or Polaris expressly states otherwise, cancellation does not automatically create a refund for the current billing period. 10. Refunds Except where a refund is required by applicable law or expressly approved by Polaris, subscription fees are generally non-refundable once the applicable subscription period has commenced. Polaris may consider refunds in cases including duplicate charges, erroneous charges, material technical failure preventing access to the paid service, or other circumstances approved by Polaris. Refunds, where approved, are generally returned through the original payment method, subject to payment-provider processing rules. Nothing in this Policy limits any mandatory consumer rights or statutory refund, cancellation or cooling-off rights that cannot lawfully be excluded. 11. Introduction and Credit Refunds An introduction is treated as an event when the applicable introduction request is submitted and processed through Polaris. Introduction credits are consumed in accordance with the applicable introduction workflow. Where an introduction cannot be processed because of a Polaris-side technical failure, Polaris may restore the affected credits or otherwise provide an appropriate remedy. Credits are not refundable merely because a user does not receive the desired response, meeting, investment, commercial engagement or other outcome from an introduction. 12. No Outcome Guarantee Payment for a subscription, introduction allowance or introduction credits does not guarantee a match, introduction acceptance, meeting, investment, funding, commercial transaction, customer engagement or any other outcome. Polaris is a discovery and introduction platform. It is not an investment adviser, broker, fund manager, escrow service, guarantor or investment outcome provider. 13. Payment Disputes and Chargebacks Users should first contact Polaris at support@anjanajyoti.org regarding an incorrect charge or billing issue. Unauthorised or fraudulent transactions should also be reported promptly to the relevant payment provider or financial institution. Polaris may suspend or restrict an account where there is reasonable evidence of payment abuse, fraud, chargeback misuse or other material violation of the applicable terms. 14. Trusted Partner Underlying Services Payment for a Trusted Partner subscription is payment for access to Polaris's applicable platform/listing and introduction-related functionality. It is not payment for the Trusted Partner's underlying professional, advisory or commercial services. Fees charged by a Trusted Partner to its own customers are governed by the direct agreement between those parties and are outside Polaris's subscription refund policy. 15. Digital Fulfilment Polaris provides digital services only. Subscription access is activated following successful payment and account eligibility checks. Purchased credits are recorded to the user's account following successful payment. An introduction event occurs when the applicable introduction request is submitted and accepted or processed through the relevant Polaris workflow. Polaris does not provide physical goods, shipping or physical delivery. 16. Fraud, Misuse and Suspension Polaris may suspend or terminate access where there is suspected fraud, payment abuse, sanctions or compliance concern, impersonation, materially inaccurate information, unlawful conduct, misuse of introductions or contact data, scraping or circumvention, or other breach of the Polaris Terms of Service. Suspension or termination for breach does not create an automatic entitlement to a refund. 17. Support and Refund Requests Payment, billing and refund requests may be submitted to support@anjanajyoti.org. Polaris aims to acknowledge requests within 2 business days and provide a substantive response within approximately 7–15 business days, subject to the complexity of the matter and any required payment-provider investigation. 18. Governing Law and Disputes This Policy is governed by the laws of India, subject to any mandatory rights that apply to a user under applicable local law. Disputes are intended to follow the staged escalation process described in the Polaris Terms of Service, including mediation where appropriate, before court proceedings. Subject to mandatory rights, courts in New Delhi, India will have jurisdiction. 19. Policy Changes Polaris may update this Policy to reflect changes in pricing, payment providers, supported markets, subscription mechanics, legal requirements or platform functionality. Material changes will be communicated through the website or other appropriate channels. The version published on the Polaris website is the operative version. 20. Important Launch and Market Dependencies This Policy reflects the current plan structure communicated for launch, including India Founder, EU/UK Founder, India Trusted Partner, Europe/UK Trusted Partner, Rest of World Trusted Partner and India-only Global Enterprise plans. Before activating a new market or payment flow, Polaris should confirm the applicable payment-provider approval and configuration, checkout currency, tax/VAT/GST treatment, cancellation and refund settings, and any mandatory local consumer or e-commerce disclosures. 21. Contact Legal and payment support: support@anjanajyoti.org Operational support: support@inpolaris.com Operator: Anjanajyoti Healthtech Private Limited Registered Office: A-3, Ground Floor, Greater Kailash Enclave 1, New Delhi 110048, India