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Privacy Policy

This Privacy Policy explains how Dr. Tulikka Ganguli collects, uses, stores and protects information when you visit our website or use our online consultation services.

Last Updated: 30 October 2026

1. Introduction

Dr. Tulikka Ganguli (“we”, “us” or “our”) respects your privacy and is committed to handling your personal information responsibly. This Policy applies to information collected through this website, enquiry forms, booking processes and communications relating to our online consultation services, including Wrist Watch Analysis sessions.

2. Information We May Collect

Depending on how you interact with us, we may collect the following categories of information:

Contact details: name, email address and other details you choose to provide through an enquiry or booking form.

Booking information: selected consultation date and time, booking status and related scheduling details.

Consultation information: information, concerns or background details that you voluntarily share for the purpose of an online consultation.

Payment information: transaction status and limited payment-related details made available by the payment service provider. We do not intend to collect or store your complete card, UPI PIN or banking passwords.

Technical information: browser type, device information, IP address, pages visited and basic usage data that may be collected through cookies or similar technologies.

3. How We Use Your Information

We may use the information collected to:

4. Sharing of Information

We do not sell your personal information. We may share relevant information only where reasonably necessary with service providers who support our operations, such as website hosting providers, booking and communication platforms, payment gateways and technology providers. Such providers may process information in accordance with their own privacy terms.

We may also disclose information where required by law, legal process, a competent authority, or where disclosure is reasonably necessary to protect our rights, users or services.

5. Payments

Payments for online consultation services may be handled by third-party payment gateways. Your payment details are submitted directly to the relevant payment provider and are subject to that provider’s privacy and security practices. We may receive transaction references, payment status and other limited information needed to confirm your booking.

6. Cookies and Similar Technologies

Our website or service providers may use cookies and similar technologies to support website functionality, understand website traffic, remember preferences and improve user experience. You can manage or disable cookies through your browser settings. Some website features may not function properly if cookies are disabled.

7. Data Security

We take reasonable technical and organisational measures designed to protect personal information against unauthorised access, alteration, disclosure or loss. However, no website, online transmission or electronic storage method can be guaranteed to be completely secure.

8. Data Retention

We retain personal information for only as long as reasonably required for the purposes described in this Policy, including consultation delivery, record keeping, resolving disputes and meeting applicable legal or regulatory requirements. Information may be retained for a longer period where required by law.

9. Your Choices and Rights

Subject to applicable law, you may request access to, correction of or deletion of personal information that you have provided. You may also raise a concern about how your information is being used. We may need to verify your identity before acting on a request and may retain certain information where legally required or reasonably necessary for legitimate business purposes.

10. Third-Party Links and Services

Our website or communications may contain links to third-party websites, booking tools, social media platforms or payment services. We are not responsible for the privacy practices, content or security of those third parties. We encourage you to review their applicable policies before sharing information with them.

11. Children’s Privacy

Our website and online consultation services are not intended to knowingly collect personal information from children without appropriate involvement or consent of a parent or legal guardian. If you believe a child has provided personal information without appropriate consent, contact us so that the concern can be reviewed.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, practices or applicable requirements. The revised version will be published on this page with an updated “Last Updated” date. Your continued use of the website after an update indicates that you have reviewed the revised Policy.

13. Contact

For questions, requests or concerns regarding this Privacy Policy or the handling of your personal information, contact us at drtulikaganguli@gmail.com.

Terms & Conditions

These Terms & Conditions govern your access to and use of the website and online consultation services provided by Dr. Tulikka Ganguli. By using the website, submitting an enquiry, making a payment or booking a session, you agree to these Terms.

Last Updated: 30 October 2026

1. About Our Services

Dr. Tulikka Ganguli provides online consultation services, including Wrist Watch Analysis sessions. Information on the website is intended to explain the services and help visitors make an informed decision before submitting an enquiry or booking a consultation.

All services are delivered online. No physical goods are sold, packed or shipped through this website.

2. Eligibility and Accurate Information

By using our website or booking a consultation, you confirm that the information you provide is accurate, current and complete. If you are making a booking on behalf of another person, you confirm that you are authorised to provide the relevant information and arrange the booking.

You must not use the website for any unlawful, misleading, abusive or unauthorised purpose.

3. Booking and Confirmation

Consultations are subject to available dates and time slots.

A booking is considered confirmed only after the required booking steps have been completed and confirmation is issued through the applicable booking process.

You are responsible for selecting the correct date and time and for checking the confirmation details.

You should be available at the scheduled time and provide accurate contact details so that relevant session information can be shared.

If you need assistance with a booking, contact us using the email address provided below.

4. Payments and No-Refund Policy

Where payment is required, the applicable amount must be paid through the payment method made available during checkout or booking. A payment may be processed by a third-party payment gateway and is also subject to that provider’s terms.

All payments made for our services are final and non-refundable. Once a payment has been made, no refund will be issued for any reason, including a change of mind, failure to attend a scheduled session, late arrival, dissatisfaction with the service or failure to use the booked service. Please review the service details carefully before making payment.

This clause does not limit any rights or remedies that cannot lawfully be excluded under applicable law.

5. Rescheduling and Attendance

Any request to change a scheduled consultation may be considered at our discretion and subject to availability and the terms communicated at the time of booking. A rescheduling request does not create an entitlement to a refund. If you do not attend at the scheduled time, the session may be treated as missed.

6. Nature and Limitations of Consultation

Our sessions are intended for guidance, reflection and personal insight based on the consultation approach described on the website. They are not a substitute for professional medical, mental-health, legal, financial or other regulated advice, diagnosis or treatment. You should consult an appropriately qualified professional for decisions requiring such expertise.

We do not guarantee any particular personal, relationship, career, financial or other outcome. Results and experiences may vary from person to person, and decisions taken after a consultation remain your responsibility.

7. Website Content and Intellectual Property

Unless otherwise stated, the website content, text, graphics, branding, design elements and other materials are owned by or used with permission by Dr. Tulikka Ganguli. You may access the content for personal, non-commercial use. You must not copy, reproduce, republish, distribute, modify or commercially exploit website content without prior written permission, except where permitted by law.

8. Acceptable Use

You agree not to interfere with the operation or security of the website, attempt unauthorised access, introduce malicious code, misuse forms or booking tools, impersonate another person, or submit content that is unlawful, harmful, threatening, defamatory or infringing.

9. Third-Party Platforms and Links

Our website may use or link to third-party services, including payment gateways, calendar or booking tools, video-conferencing platforms, messaging services and social media. Your use of those services may be governed by separate terms and privacy policies. We are not responsible for the independent operation or policies of third-party platforms.

10. Limitation of Liability

To the extent permitted by applicable law, we will not be liable for indirect, incidental, special or consequential loss arising from your use of the website or services, including loss caused by third-party platform interruptions, network failures or events beyond our reasonable control. Nothing in these Terms excludes liability that cannot legally be excluded.

11. Privacy

Personal information submitted through the website or booking process is handled in accordance with our Privacy Policy. By using the website, you acknowledge that you have had the opportunity to review that Policy.

12. Changes to These Terms

We may revise these Terms from time to time. Updated Terms will be published on this page with a revised “Last Updated” date. Your continued use of the website or services after changes are published constitutes acceptance of the updated Terms, to the extent permitted by applicable law.

13. Governing Law and Disputes

These Terms are governed by the laws of India, subject to applicable consumer protection and other mandatory legal provisions. Any dispute will be subject to the jurisdiction of the competent courts in India.

14. Contact

For questions about these Terms & Conditions, contact us at drtulikaganguli@gmail.com.

Refund Policy

Please review this Refund Policy carefully before making a payment for any online consultation service offered by Dr. Tulikka Ganguli.

Last Updated: 30 October 2026

1. No-Refund Policy

All Payments Are Final — No Refunds

All payments made for our online consultation services are strictly non-refundable. Once a payment has been completed, no refund, reversal or reimbursement will be provided for any reason, except where a refund is required under applicable law.

By proceeding with a payment, you acknowledge and agree to this No-Refund Policy. You are responsible for reviewing the service details, selecting the appropriate consultation and checking the booking information before completing the transaction.

2. Scope of This Policy

This Policy applies to payments made for online consultation services offered by Dr. Tulikka Ganguli, including Wrist Watch Analysis sessions, whether the payment is made through our website, a booking page, a payment link or an authorised third-party payment gateway.

3. Situations Where Refunds Are Not Provided

Subject to any non-excludable rights under applicable law, refunds are not provided in situations including, but not limited to:

4. Rescheduling Requests

If you are unable to attend your scheduled session, you may contact us to request a change of appointment. Any rescheduling request will be considered at our discretion and will depend on availability and the booking terms communicated for the service. Approval of a rescheduling request is not guaranteed and does not create an entitlement to a refund.

5. Payment Errors and Duplicate Transactions

If you believe that you have been charged more than once for the same booking or that a transaction was debited but the booking was not recorded, contact us with the transaction reference, payment date and relevant booking details. We will review the information and coordinate with the payment gateway where necessary. This review does not guarantee a refund; any correction will be handled in accordance with applicable law and the payment provider’s process.

6. Third-Party Payment Providers

Payments may be processed by third-party payment gateways. Their transaction processing, settlement timelines and dispute procedures are governed by their respective terms and policies. We are not responsible for delays caused by banks, payment networks or third-party providers, but we may assist with reasonable transaction verification where possible.

7. Consumer Rights Under Applicable Law

Nothing in this Policy is intended to exclude, restrict or override any consumer right or remedy that cannot legally be excluded under applicable law. Where a refund or other remedy is legally required, the applicable legal requirements will prevail to the extent of any inconsistency with this Policy.

8. Changes to This Refund Policy

We may update this Refund Policy from time to time. Any revised version will be published on this page with an updated “Last Updated” date. The Policy applicable to your transaction will be interpreted subject to applicable law.

9. Contact for Payment Queries

For questions about a payment, booking or this Refund Policy, contact us at drtulikaganguli@gmail.com.

Shipping Policy

This Shipping Policy explains how services are delivered when you book an online consultation with Dr. Tulikka Ganguli.

Last Updated: 30 October 2026

1. No Physical Products

We Do Not Sell or Ship Physical Products

Dr. Tulikka Ganguli provides online consultation services only. No physical products, parcels, goods or printed materials are sold or shipped through this website. Therefore, physical shipping and courier delivery do not apply.

All services offered through this website are delivered digitally through online communication or consultation arrangements.

2. Online Consultation Delivery

After completing the applicable booking steps, the customer will receive the relevant consultation or appointment details through the contact channel or booking platform provided during registration. Depending on the booking process, these details may include the confirmed date, time and instructions for joining the online session.

3. Booking Confirmation

Customers should complete all required booking steps and check that the selected date and time are correct.

A booking is treated as confirmed once the booking process displays or sends a confirmation.

Customers should check their email, messages and booking confirmation screen for session details.

Customers are responsible for providing accurate contact information and checking that messages have not been filtered into spam or junk folders.

4. Delivery Time

Since our services are provided online, there is no physical shipping or transit period. The consultation is provided at the date and time confirmed during the booking process, subject to the applicable service terms and availability.

5. Technical Requirements

Customers are responsible for having a suitable internet connection and a compatible device to participate in the online consultation. We recommend joining from a quiet location and checking your device, audio and internet connection before the scheduled session.

6. Missed or Delayed Online Sessions

If you experience difficulty accessing the online session, check the booking instructions and messages first. You may contact us by email for assistance. A missed session, late arrival or technical issue on the customer's side does not automatically entitle the customer to a refund. Any rescheduling request will be handled in accordance with the applicable booking terms and Refund Policy.

7. Refunds and Cancellations

As no physical products are shipped, product dispatch, return or physical delivery cancellation does not apply. Payments for online consultation services are governed by our Refund Policy. Please review that Policy before making a payment.

8. Contact for Service Delivery Queries

If you have questions about your online booking or receiving your consultation details, contact us at drtulikaganguli@gmail.com.

9. Changes to This Shipping Policy

We may update this Shipping Policy when our services or operating practices change. Any updated version will be published on this page with a revised “Last Updated” date.