Refund and cancellation policy
This policy explains when you can cancel a payment made to IAFM, how much is refunded, and how long the money takes to reach you. It covers membership, IAFMCON registrations, certification programmes, webinars and educational material.
Effective from 1 October 2026. Last updated 23 September 2026.
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1. Who this applies to
This policy applies to every payment made to the Functional Medicine Association, trading as the Indian Association of Functional Medicine (IAFM), through www.iafm.in, our payment gateway, bank transfer or UPI. All amounts are in Indian rupees and refunds are calculated on the full amount paid, including GST.
Refunds are always returned to the account or card used to make the payment. We do not refund in cash or to a third party's account.
2. Membership
You can cancel a new or renewed membership within 7 days of payment for a full refund, provided none of the membership benefits have been used. Using a benefit includes receiving a certificate of good standing, being listed in the member directory, or applying a member discount to any conference, programme or purchase.
| When you cancel | Refund |
|---|---|
| Within 7 days of payment, no benefits used | 100% |
| After 7 days, or once any benefit is used | No refund |
| Application not approved by IAFM | 100% |
If you cancel after the 7 day window, your membership stays active until the end of the paid period. It will not renew unless you pay again.
3. IAFMCON registration
Refunds for conference registration depend on how many days before the first day of the conference we receive your written cancellation.
| Cancellation received | Refund |
|---|---|
| 60 days or more before the conference | 90% |
| 30 to 59 days before | 75% |
| 15 to 29 days before | 50% |
| Less than 15 days before, or no show | No refund |
Transferring instead of cancelling
You can transfer your registration to a colleague free of charge up to 7 days before the conference by writing to info@iafm.in with their name, email and qualification. A member-rate registration can only be transferred to another IAFM member. You can also carry the full amount forward to the next edition of IAFMCON once, if you ask before the 15 day cutoff.
Accommodation, travel and any add-ons booked through third parties are governed by their own terms.
4. Certification programmes
| Cancellation received | Refund |
|---|---|
| 15 days or more before the programme starts | 90% |
| 1 to 14 days before it starts | 75% |
| Within the first 7 days after it starts | 50% |
| More than 7 days after it starts | No refund |
Where a programme is paid in instalments, the refund is calculated on the amount paid so far, and no further instalments are due after an approved cancellation. Course material already accessed or dispatched is not refundable. You may defer to the next batch once, free of charge, if you ask before the programme starts.
5. Webinars and workshops
For paid webinars and online workshops, you receive a full refund if you cancel at least 48 hours before the session begins. After that, no refund is given, but you will receive the recording where one is made available.
Free member webinars do not involve any payment and are not covered by this section.
6. Educational material
Digital material such as e-books, recorded courses, slide sets and journal access is not refundable once it has been downloaded, opened or accessed. If you have paid but not yet accessed the material, you can cancel within 7 days of payment for a full refund.
Printed material can be returned unused within 7 days of delivery. The refund is the amount paid, less the shipping cost. If an item arrives damaged or incorrect, write to us within 48 hours with a photo and we will replace it or refund it in full.
7. Cancellation by IAFM
If IAFM cancels a conference, programme or webinar, you will receive a 100% refund, or you may choose to transfer the full amount to the rescheduled date or another IAFM event. If the event moves online or changes date, you may choose to attend or cancel for a full refund within 14 days of our announcement.
IAFM is not responsible for travel, accommodation or other costs you incur because of a cancellation or change.
8. Refund timeline
Once we receive your request, a refund moves through these stages. Days are working days, which exclude Saturdays, Sundays and national holidays.
You send the request
Day 0
Email info@iafm.in or use the form below, with your payment details.
We acknowledge it
Within 2 working days
You receive an email with a reference number.
We review and decide
Within 5 working days
We confirm the amount you are eligible for, or explain why the request cannot be approved.
We start the refund
Within 2 working days of approval
The refund is initiated through the payment gateway or bank, and you receive the transaction reference.
The money reaches you
5 to 7 working days after initiation
UPI and wallets are usually faster. Card refunds depend on your bank's billing cycle.
In total, an approved refund reaches your account within 14 working days of your request. If it has not arrived by then, write to us with the transaction reference and we will trace it with the bank.
9. Failed and duplicate payments
If money was deducted but the payment failed on our side, it is reversed automatically by the payment gateway within 5 to 7 working days. If you paid twice for the same thing, the extra payment is refunded in full once you tell us, within the timeline above.
10. What is not refundable
- Donations and voluntary contributions to IAFM.
- Charges levied by your own bank, such as foreign transaction or currency conversion fees.
- Payments forfeited because the member or participant was removed for breach of the IAFM code of conduct.
- Any requests received after the windows set out above.
IAFM may consider exceptions in cases of medical emergency or bereavement, with supporting documents. Any exception is at the discretion of the association.
11. Request a refund
12. Questions and grievances
For any question about a payment or refund, write to info@iafm.in with "Refund" in the subject line. If you are not satisfied with the outcome, reply to the same thread asking for escalation and your request will be reviewed by the association’s office bearers within 10 working days.
IAFM may update this policy from time to time. The version in force on the date of your payment applies to that payment.