1. Acceptance of Terms By accessing and using www.grihalok.com ("Website") and purchasing our services (Astrology, Vastu, Graphology, Interior Design), you accept and agree to be bound by the terms and provision of this agreement.

2. Nature of Services (The "Disclaimer")

• Astrology & Graphology: The insights provided by Griha Lok are based on the ancient sciences of Vedic Astrology and the psychological study of Graphology. These are advisory in nature. We do not claim to predict the future with 100% certainty.

• Vastu Shastra: Recommendations regarding property layouts are suggestions for energetic alignment.

• Not Professional Advice: Our services do not constitute legal, medical, financial, or psychological advice. You should seek the advice of certified professionals for such matters. Griha Lok is not responsible for any decisions you make based on our consultations.

3. Booking and Payments

• All consultations must be booked and paid for in advance.

• For international clients (outside India), payments must be made in the currency specified (USD/EUR) via our approved payment gateways.

• Prices are subject to change without prior notice.

4. Cancellation and Refund Policy

• Cancellations: You may reschedule a consultation up to 24 hours before the scheduled time without penalty.

• No-Shows: If you fail to attend a scheduled online consultation without prior notice, the session will be considered "consumed," and no refund will be provided.

• Refunds: Due to the nature of our work (time and expertise), we do not offer refunds once the consultation has taken place or if the astrological/vastu report has been delivered.

5. Intellectual Property The content on this website, including text, graphics, logos, and course materials, is the intellectual property of Griha Lok. You may not reproduce, distribute, or create derivative works from this content without express written permission.

6. User Conduct You agree not to use the website or our services for any unlawful purpose. You agree not to harass or abuse the consultant during sessions. We reserve the right to terminate a session immediately if the client behaves inappropriately.

7. Limitation of Liability To the fullest extent permitted by applicable law, Griha Lok shall not be liable for any indirect, incidental, or consequential damages resulting from the use or inability to use the services.

8. Governing Law These Terms shall be governed by the laws of India. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in New Delhi, India.