Last Updated: 14 August 2026
At KeyOwn Habitat, we aim to make our services transparent and clear. This Refund & Cancellation Policy explains how cancellations, refunds and payment reversals are handled for our different services.
Because our services include advisory, property-related and third-party coordination services, refund eligibility may vary depending on the service purchased, the stage at which cancellation occurs, and the applicable agreement.
This Policy applies to payments made to KeyOwn Habitat for services including:
Property purchase, booking and transaction payments may be governed by separate agreements and terms issued for the specific property or transaction.
Customers should review:
before making a payment.
Where a separate written agreement applies, the terms of that agreement will govern the relevant transaction to the extent permitted by applicable law.
HOAS may include assessments, financial-readiness analysis, advisory sessions, reports, calculations and personalised guidance.
BEFORE THE SERVICE BEGINS:
If a customer cancels before substantive work has started, the customer may be eligible for a refund, subject to any applicable administrative or processing charges disclosed at the time of purchase.
AFTER THE SERVICE HAS STARTED:
Once personalised assessment, analysis, advisory work or preparation has commenced, the payment may become non-refundable to the extent the service has already been performed.
Any eligible refund will be determined based on the work already completed and the applicable service terms.
Property Advisory may involve:
If the customer cancels after these activities have commenced, refund eligibility may depend on the stage of service and work already performed.
Any specific Property Advisory agreement provided to the customer will apply to that service.
Property transactions require separate treatment.
Amounts paid toward:
may be governed by the specific property agreement, booking form, developer/seller terms or applicable law.
Such amounts should not automatically be treated as refundable KeyOwn Habitat service fees.
KeyOwn Habitat will communicate the applicable cancellation and refund terms before or during the relevant transaction where required.
Where a separate property agreement provides specific refund or cancellation rights, that agreement will govern the relevant transaction to the extent permitted by law.
KeyOwn Habitat may coordinate with banks, housing finance companies and other financial institutions.
Payment for a KeyOwn Habitat service does not guarantee:
If a customer cancels a Banking & Finance service, refund eligibility will depend on the service purchased and the stage of work completed.
Any fee charged directly by a bank or third-party financial institution is governed by that institution's own terms.
Where a service has already been fully delivered, the payment may generally be non-refundable, subject to:
Nothing in this Policy is intended to exclude any refund or remedy that cannot legally be excluded.
To request cancellation, contact:
Refund Email: admin@keyownhabitat.com
Please provide:
We may request additional information to verify the request.
KeyOwn Habitat may cancel or discontinue a service where:
Where KeyOwn Habitat cancels a prepaid service and the customer is entitled to a refund, the applicable eligible amount will be refunded in accordance with this Policy and applicable law.
A refund will be provided only where expressly applicable under:
A refund may be available where:
Refunds are not automatically available merely because a customer changes their mind after a service has been substantially performed, subject always to applicable consumer rights and law.
If you believe you have:
contact us promptly with the payment details.
After verification, any confirmed excess or duplicate payment may be refunded through the applicable payment channel.
If money has been debited from your account but the transaction was not successfully recorded by KeyOwn Habitat, contact us with the transaction reference.
We will verify the transaction with the relevant payment provider and take appropriate action.
Processing time may depend on the payment gateway, bank or financial institution.
Where a refund is approved, we will normally initiate it using the original payment method where reasonably possible.
The time taken for the amount to appear in your account may depend on:
KeyOwn Habitat cannot guarantee the exact time taken by an external financial institution to credit a refunded amount.
Where a payment is processed directly by:
the refund may be governed by that party's terms.
KeyOwn Habitat cannot independently guarantee a refund for an amount that was not received or controlled by KeyOwn Habitat.
Certain charges may be non-refundable where clearly disclosed before payment and where permitted by applicable law. These may include charges relating to:
We will not describe a charge as non-refundable merely to avoid a refund where applicable law requires otherwise.
Special offers, discounts, introductory pricing or promotional services may have separate cancellation and refund conditions. Where applicable, those conditions will be disclosed at the time of the offer. A promotional discount may not necessarily be refundable as a separate amount.
Where a refund is approved, the treatment of:
will depend on whether those amounts were actually collected, remitted or are legally refundable. Government or statutory charges may not be refundable by KeyOwn Habitat where they have already been paid to the relevant authority.
Property transactions may involve contractual, commercial, payment, documentation, possession, cancellation, refund, service or other disputes between the customer and KeyOwn Habitat and/or other parties involved in the transaction.
Where a disagreement arises from the interpretation, performance, delay, cancellation, refund, payment, documentation or other contractual obligation relating to a property or service, the parties should first seek resolution through the applicable agreement and appropriate civil, consumer, regulatory or other lawful remedies.
Examples may include:
A contractual disagreement does not, by itself, establish criminal conduct.
Before initiating formal proceedings, customers are encouraged to contact KeyOwn Habitat and provide relevant details so that the matter can be reviewed.
Where appropriate, the parties may attempt to resolve a matter through:
Nothing in this section prevents a customer from exercising any statutory or legal right available to them.
Where a property transaction is governed by a separate booking form, allotment letter, Agreement for Sale, sale deed, developer agreement, service agreement, or other transaction document, the dispute-resolution provisions contained in that document will apply to the extent legally enforceable.
If a dispute involves a developer, promoter, property owner, bank or other third party, the rights and obligations between the customer and that third party may be governed by the relevant third-party agreement.
Depending on the nature of the dispute, a customer may have remedies available under applicable civil, consumer, RERA or other applicable laws. Nothing in this Policy is intended to prevent or restrict any remedy that cannot legally be excluded.
Nothing in this Policy prevents a person from approaching the appropriate law-enforcement authority where the facts genuinely disclose conduct that constitutes a criminal offence under applicable law. Similarly, KeyOwn Habitat reserves all rights and remedies available under applicable law where conduct by a customer, employee, agent, partner or other person may constitute a criminal offence.
A disagreement regarding a payment, refund, delay, contractual obligation, property transaction or service does not automatically establish fraud, cheating, criminal breach of trust or any other criminal offence. Any allegation of criminal conduct must be assessed based on the actual facts and applicable law.
Customers are encouraged to retain booking documents, agreements, payment receipts, invoices, official communications, property documents, email correspondence, and other relevant transaction records. KeyOwn Habitat may maintain relevant records for legitimate business, legal, regulatory and dispute-resolution purposes.
If you disagree with a refund decision, contact KeyOwn Habitat first so that the matter can be reviewed.
Refund Contact: admin@keyownhabitat.com
General Contact: hello@keyownhabitat.com
Nothing in this Policy removes any mandatory statutory, consumer, RERA or other legal remedy available to a customer.
Nothing in this Policy is intended to restrict or remove any consumer right, remedy or protection that cannot legally be excluded. KeyOwn Habitat will comply with applicable consumer-protection and e-commerce requirements applicable to its services.
We may update this Refund & Cancellation Policy from time to time to reflect:
The latest version will be published on this page.
For any refund, cancellation, or payment-related requests, please contact:
KeyOwn Habitat
Refund Email: admin@keyownhabitat.com
General Email: hello@keyownhabitat.com
Phone: +91 98865 35949
Registered Office: No 544, 3rd floor, A block, ACES Layout, Near Hospectic Hospital, Singasandra, Bangalore - 560068
Subject: Refund / Cancellation Request