REFUND & CANCELLATION POLICY www.prestigemiles.com Effective Date: April 9, 2026 | Last Updated: April 9, 2026 1. Introduction This Refund and Cancellation Policy ("Policy") applies to all paid products and services offered by PrestigeMiles through its website www.prestigemiles.com. PrestigeMiles is an independent travel rewards and loyalty points information platform covering airline miles, hotel points, credit card benefits, and airport lounge access. We are committed to providing high-quality content and services to our users. However, given the digital and informational nature of most of our offerings, refunds are subject to the specific conditions outlined in this Policy. Please read this Policy carefully before making any purchase on our platform. By completing a purchase on our website, you acknowledge that you have read, understood, and agreed to this Refund and Cancellation Policy. 2. Scope of This Policy This Policy applies to the following categories of paid products and services offered by PrestigeMiles: • Premium memberships or subscription plans • Paid newsletters or curated deals reports • Downloadable digital content (e.g., guides, checklists, e-books) • Paid consultation or advisory sessions (miles optimization, credit card strategy, lounge access, etc.) • Any other paid services or tools offered through the website This Policy does not apply to bookings, purchases, or transactions made through third-party platforms, airlines, hotels, or credit card issuers linked from our website. Those transactions are governed entirely by the respective third party's cancellation and refund terms. 3. General Refund Principles PrestigeMiles operates on the following general principles for refunds: • All sales of digital content and downloadable products are final once the product has been accessed or downloaded. • Subscription or membership fees may be refunded within 7 days of purchase, provided the premium features have not been substantially used or accessed. • Refunds will be credited only to the original source of payment — the same credit card, debit card, UPI, net banking account, or wallet used for the transaction. No cash refunds will be issued. • Refunds are processed in Indian Rupees (INR). PrestigeMiles is not liable for any currency conversion differences for international card transactions. • PrestigeMiles reserves the right to assess each refund request on a case-by-case basis and may decline requests that do not meet the eligibility criteria set out in this Policy. 4. Refund Eligibility Summary The following table provides a quick reference guide to refund eligibility and timelines for different product and service types: Service / Product Type Refund Eligibility Timeline to Source Account Premium Subscription / Paid Membership Eligible within 7 days if service not yet availed 5-7 business days Digital Reports / Downloadable Content Non-refundable once downloaded or accessed N/A Paid Consultation / Advisory Session Eligible if cancelled at least 48 hours before scheduled session 5-7 business days Failed / Duplicate Transaction Fully refundable upon verification 3-7 business days Affiliate / Third-Party Bookings Governed by respective third party; not handled by PrestigeMiles As per third party Promotional / Discounted Purchases Non-refundable unless product is defective or not delivered 5-7 business days if eligible 5. Subscription and Membership Plans 5.1 Cancellation of Subscription You may cancel your PrestigeMiles premium subscription or membership at any time. Upon cancellation: • If cancelled within 7 days of the initial purchase date and premium features have not been substantially accessed, you will be eligible for a full refund. • If cancelled after 7 days of the initial purchase date, no refund will be issued for the remaining subscription period. You will retain access until the end of the current billing cycle. • Auto-renewal subscriptions can be cancelled before the renewal date to avoid charges for the next cycle. Refunds will not be issued for charges already processed upon renewal. 5.2 How to Cancel a Subscription To cancel your subscription, please email ashvamedhharetailinglp@gmail.com with the subject line "Subscription Cancellation Request" along with your registered email address and order or transaction ID. We will confirm the cancellation within 2 business days. 6. Digital Products and Downloadable Content All digital products, including e-books, PDF guides, miles optimization checklists, and curated deal reports, are non-refundable once they have been downloaded, accessed, or delivered electronically to the purchaser. Exceptions may be considered in the following circumstances: • The file was corrupted, inaccessible, or significantly different from its description at the time of purchase • A duplicate purchase of the same product was made in error within a short window In such cases, please contact us within 48 hours of purchase at ashvamedhharetailinglp@gmail.com with relevant supporting details. 7. Paid Consultations and Advisory Sessions PrestigeMiles may offer paid one-on-one consultation services for miles optimization, credit card selection, lounge access strategies, and reward redemption planning. • Cancellations made at least 48 hours before the scheduled session: Eligible for a full refund. • Cancellations made less than 48 hours before the scheduled session: No refund will be issued. You may request to reschedule once, subject to availability. • No-shows (failure to attend without prior notice): Non-refundable. • If PrestigeMiles cancels or reschedules a session: A full refund will be issued or an alternative session will be offered at your choice. 8. Failed and Duplicate Transactions 8.1 Money Deducted but Service Not Delivered If your payment was successfully deducted but you did not receive access to the purchased product or service within 24 hours, please notify us immediately at ashvamedhharetailinglp@gmail.com. We will investigate and, if the failure is confirmed, initiate a full refund within 3-7 business days. 8.2 Duplicate Payments If you have been charged more than once for the same order due to a technical error, please contact us with the transaction details. Upon verification, the duplicate amount will be refunded to your source account within 3-7 business days. 8.3 Payment Gateway Errors Occasionally, technical issues with the payment gateway may result in a transaction failure even after your bank account has been debited. In such cases: • The amount is typically auto-reversed by the payment gateway or your bank within 3-5 business days. • If the amount is not reversed within 7 business days, please contact us with your transaction ID, bank reference number, and a screenshot of the debit. We will coordinate with our payment gateway to facilitate the refund. 9. Third-Party Links, Affiliates, and External Bookings PrestigeMiles contains links to and reviews of third-party services including airlines, hotel chains, credit card issuers, travel aggregators, and other loyalty program platforms. Any bookings, applications, or purchases made directly with these third parties are NOT subject to this Policy. Refunds, cancellations, and disputes for third-party transactions must be handled directly with the relevant service provider as per their own terms and conditions. PrestigeMiles earns affiliate commissions on some referrals but has no control over, and bears no responsibility for, any third-party refund decisions. 10. How to Request a Refund To initiate a refund request, please follow these steps: • Step 1: Email us at ashvamedhharetailinglp@gmail.com with the subject line: "Refund Request - [Your Order ID]" • Step 2: Include the following details: your full name, registered email address, order or transaction ID, date of purchase, payment method used, amount paid, and reason for the request. • Step 3: Attach any supporting evidence such as a payment receipt, bank statement, or error screenshot where applicable. • Step 4: We will acknowledge your request within 48 business hours and complete our review within 7 business days. • Step 5: Upon approval, refunds will be processed to the original payment source within the timelines specified in Section 4. 11. Refund Processing Timelines Once a refund is approved by PrestigeMiles, the processing time depends on the payment method originally used: • Credit Card / Debit Card: 5-7 business days (may vary depending on your card-issuing bank) • UPI / Net Banking: 3-5 business days • Digital Wallet: 1-3 business days • Failed Transaction Auto-Reversal: 3-7 business days (handled by the payment gateway or bank) PrestigeMiles will initiate the refund from our end within 2 business days of approval. The time for the amount to reflect in your account depends on your bank or payment provider and is outside our control. If the refund has not been received after the stated timelines, please contact your bank before reaching out to us. 12. Non-Refundable Situations Refunds will NOT be issued in the following circumstances: • The request is made after the eligible refund window has expired • The digital content has already been downloaded or accessed • The subscription or membership has been substantially used • The consultation session was a no-show or was cancelled with less than 48 hours notice • The purchase was made using a promotional discount or cashback offer and does not meet the exception criteria • The refund request does not include sufficient supporting information after being requested by us • Transactions involving third-party providers such as airlines, hotels, or credit card issuers 13. Chargebacks and Payment Disputes We strongly encourage users to contact us at ashvamedhharetailinglp@gmail.com before initiating a chargeback with their bank or payment provider. Most concerns can be resolved quickly and amicably through direct communication. Filing a chargeback without first contacting us may result in the suspension or termination of your PrestigeMiles account and access to purchased services. PrestigeMiles will contest any chargebacks filed for valid transactions and will provide transaction records and correspondence to the relevant payment gateway or financial institution. 14. Changes to This Policy PrestigeMiles reserves the right to modify this Refund and Cancellation Policy at any time. Changes will be posted on this page with an updated Effective Date. Your continued use of the website or purchase of services after any changes constitutes your acceptance of the revised Policy. For material changes, we will make reasonable efforts to notify registered users via email prior to the change taking effect. 15. Governing Law This Policy shall be governed by and construed in accordance with the laws of India. Any disputes arising from this Policy shall be subject to the exclusive jurisdiction of competent courts in India. This Policy is published in compliance with: • The Consumer Protection Act, 2019 • The Information Technology Act, 2000 and rules thereunder • Reserve Bank of India Payment Aggregator Master Directions, 2020 (updated 2025) • The Digital Personal Data Protection Act, 2023 16. Contact Us For all refund requests, cancellation notices, or queries related to this Policy, please reach out to us: Email: ashvamedhharetailinglp@gmail.com Website: www.prestigemiles.com/contact-us We aim to acknowledge all refund and cancellation queries within 48 business hours and resolve them within 7 business days of receiving complete information. © 2026 PrestigeMiles. All rights reserved. | www.prestigemiles.com This Refund & Cancellation Policy is published in compliance with RBI Payment Aggregator guidelines and applicable Indian consumer protection law.