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        <h1 class="fw-bold mb-2">Refund & Cancellation Policy</h1>
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                <h2 class='fw-bold mb-0' style="color:#A20E37;">Refund & Cancellation Policy</h2>
                <small class="text-muted">Bhartiya Seva Educational Sangthan Trust (BSES Trust)</small>
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            <p>The Bhartiya Seva Educational Sangthan Trust (BSES Trust) is committed to the welfare and betterment of its members and the organization as a whole. Please read this Refund & Cancellation Policy carefully before making any payment to BSES Trust.</p>

            <h5 class="fw-bold mt-4 mb-2" style="color:#A20E37;">Non-Refundable Charges</h5>
            <p>Any charges for membership, activities, events, certifications, or subscriptions that are directly hosted or organized by BSES Trust — or where BSES Trust is jointly involved — are generally <strong>non-refundable</strong>. This policy applies to all payments made towards:</p>
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                <li>Membership registration and renewal fees.</li>
                <li>Training programs, workshops, or seminars organized by BSES Trust.</li>
                <li>Application processing fees.</li>
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            <h5 class="fw-bold mt-4 mb-2" style="color:#A20E37;">Exceptional Cancellations</h5>
            <p>Requests for cancellation may be considered only in cases of:</p>
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                <li>Death of the member.</li>
                <li>Serious illness (with supporting medical documentation).</li>
                <li>Natural calamity or force majeure situations.</li>
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            <p>Such cancellations shall be at the <strong>sole discretion of the Association</strong>. Requests for cancellation must be submitted <strong>in writing within 7 days</strong> of the date of payment.</p>

            <h5 class="fw-bold mt-4 mb-2" style="color:#A20E37;">Refund Process</h5>
            <p>Approved refunds shall be initiated only after approval in the immediate Managing Committee meeting following the said cancellation request. Refund timelines:</p>
            <ul>
                <li>If payment was made by credit/debit card, the refund will be issued to the original card used.</li>
                <li>If payment was made via payment gateway, the refund will be credited to the same account/source.</li>
                <li>All refunds shall be processed via Cheque / IMPS / NEFT / RTGS only.</li>
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            <h5 class="fw-bold mt-4 mb-2" style="color:#A20E37;">Policy Amendment</h5>
            <p>The Managing Committee reserves the full right to amend, modify, or update this Cancellation & Refund Policy at any time without prior notice. Any refund approved by the Managing Committee shall be considered final and binding.</p>

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                <strong>For Queries:</strong> Please contact us at <a href="mailto:bsestrust@gmail.com" style="color:#A20E37;">bsestrust@gmail.com</a> or call <strong>+91-9012020817, +91-9084873729</strong>
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