Refund & Cancellation Policy

PMH Club – Refund & Cancellation Policy

Effective Date: 14 August 2026

This Refund & Cancellation Policy (“Policy”) applies to PMH Club, the membership program operated by Plan My Holidays Pvt. Ltd. (“PMH”, “Plan My Holidays”, “we”, “us” or “our”).

This Policy should be read together with the PMH Club Terms & Conditions, Privacy Policy, Disclaimer and the specific terms applicable to any travel booking, offer or service purchased through PMH.

1. PMH Club Membership Fee

Where PMH Club membership is offered on a paid basis, the applicable membership fee will be communicated to the Member before payment.

Unless specifically stated otherwise at the time of purchase, membership fees are non-refundable once the membership has been activated or the member has started using membership benefits.

This may include situations where the Member:

• Changes their mind after activation;
• Does not use the available benefits;
• Does not make any travel booking;
• Is unable to travel;
• Does not find a suitable offer; or
• Fails to use the membership during its validity period.

2. Cancellation Before Activation

Where a Member requests cancellation before membership activation or before any membership benefit has been used, PMH may consider a refund subject to the applicable membership terms and administrative charges, if any.

Any refund eligibility will be determined based on the membership plan and conditions communicated at the time of purchase.

3. No Refund for Unused Benefits

Unused PMH Club benefits, offers, rewards, promotional privileges or entitlements generally have no cash value and are not refundable.

Unless specifically stated otherwise, unused benefits cannot be:

• Converted into cash;
• Transferred to another person;
• Carried forward after expiry; or
• Exchanged for another benefit.

4. Travel Booking Refunds

A PMH Club membership refund is separate from a refund relating to a travel booking.

If a Member books a flight, hotel, holiday package, cruise, sightseeing service, transfer or any other travel product through PMH, the refund or cancellation of that booking will be governed by the specific cancellation and refund terms applicable to that travel product.

The applicable refund may depend on:

• Supplier cancellation policy;
• Date and time of cancellation;
• Booking conditions;
• Non-refundable components;
• Airline or hotel restrictions;
• Cancellation charges;
• Supplier penalties;
• Government taxes and charges;
• Payment gateway charges, where applicable; and
• Other applicable terms communicated at the time of booking.

5. Non-Refundable Travel Components

Certain components of a travel booking may be non-refundable, including but not limited to:

• Non-refundable air tickets;
• Non-refundable hotel bookings;
• Visa fees;
• Travel insurance premiums;
• Special event tickets;
• Attraction tickets;
• Cruise bookings;
• Processing charges;
• Supplier-specific fees; and
• Other explicitly identified non-refundable services.

Where applicable, such amounts will be deducted from any eligible refund.

6. Cancellation by PMH

If PMH cancels a PMH Club membership or membership service for reasons attributable to PMH, PMH will determine the appropriate remedy in accordance with applicable law and the specific circumstances.

Where a refund is applicable, the amount may be calculated based on the unused portion of an eligible paid service, after deduction of amounts already used or incurred, where legally permissible.

7. Cancellation Due to Misuse or Violation

Where membership is suspended or terminated because of fraud, misuse, false information, unauthorized transfer, abuse of benefits or violation of the PMH Club Terms & Conditions, the Member may not be entitled to a refund of the membership fee, to the extent permitted by applicable law.

PMH reserves the right to recover losses or costs arising from fraudulent or unauthorized use.

8. Refunds for Promotional Offers

Special promotional offers may have separate refund and cancellation conditions.

Where an offer specifically states that a payment or benefit is non-refundable, those conditions will apply.

Promotional discounts, complimentary benefits and rewards do not have independent cash value and cannot ordinarily be refunded or converted into cash.

9. Payment Gateway and Transaction Charges

Where a refund is approved, applicable payment gateway, banking, transaction, currency-conversion or third-party processing charges may be non-refundable where such charges have already been incurred and deduction is legally permissible.

The Member will be informed where such deductions apply.

10. Refund Processing

Approved refunds will ordinarily be processed using the original payment method, wherever technically and operationally possible.

The actual time for the amount to appear in the Member's account may depend on the relevant bank, payment gateway, card issuer or financial institution.

PMH shall not be responsible for delays caused solely by third-party payment processors or financial institutions.

11. Refund for Duplicate or Incorrect Payments

If a Member has accidentally made a duplicate payment or paid an incorrect amount, the Member should notify PMH as soon as possible.

After verification, PMH may process an eligible refund after deducting any applicable transaction or processing charges, where permitted.

12. Failed Transactions

If a payment is debited from the Member's account but PMH does not receive confirmation of a successful transaction, the Member should contact PMH with the relevant transaction details.

PMH will verify the transaction with the applicable payment service provider and process any eligible reversal or refund in accordance with the payment provider's procedures.

13. Refunds Due to Travel Disruption

If a travel service is cancelled, delayed or modified due to circumstances such as:

• Airline cancellation;
• Hotel closure;
• Natural disaster;
• Government restrictions;
• Weather conditions;
• Strike;
• Political disturbance;
• Pandemic or epidemic;
• Supplier failure; or
• Other force majeure circumstances,

the refund will be determined according to the applicable supplier's terms and the circumstances of the booking.

PMH will reasonably assist the Member in communicating with the relevant supplier, where applicable.

14. No-Show and Late Cancellation

Where a Member fails to use a booked travel service or cancels after the applicable cancellation deadline, the booking may be subject to partial or complete forfeiture according to the relevant supplier's terms.

PMH Club membership does not automatically provide an exemption from supplier cancellation or no-show charges.

15. Change of Mind

A Member's decision not to use PMH Club or not to travel does not, by itself, create an automatic entitlement to a refund.

Any refund will depend on the specific membership, booking and applicable cancellation conditions.

16. How to Request a Refund

Refund requests should be submitted to PMH using the official contact details provided below.

The request should include, where applicable:

• Member's full name;
• PMH Club Membership ID;
• Registered mobile number;
• Registered email address;
• Booking or transaction reference;
• Date of payment;
• Amount paid;
• Reason for refund request; and
• Relevant supporting documents.

PMH may request additional information to verify the request.

17. Refund Eligibility Review

Every refund request may be reviewed individually based on:

• The applicable membership terms;
• The specific offer conditions;
• Travel supplier terms;
• Payment records;
• Cancellation date and time;
• Services already provided;
• Applicable laws and regulations; and
• The circumstances giving rise to the request.

Submission of a refund request does not guarantee approval.

18. Refund to a Different Account

For security and fraud-prevention purposes, PMH may ordinarily process refunds only to the original payment method.

Requests to refund an alternative bank account, card or payment method may require additional verification and may be declined where the original payment method is available.

19. Membership Expiry

No refund will ordinarily be provided solely because the Member allowed the PMH Club membership to expire without using its benefits.

Any remaining benefits automatically expire with the membership unless otherwise specified.

20. Policy Changes

PMH reserves the right to modify this Refund & Cancellation Policy from time to time.

The version applicable to a particular transaction will generally be the version communicated or applicable at the time the relevant membership, offer or travel booking was purchased, subject to applicable law.

21. Consumer and Statutory Rights

Nothing in this Policy is intended to exclude or restrict any mandatory rights or remedies available to a Member under applicable law.

Where applicable law provides a greater right to cancellation, refund or compensation than stated in this Policy, the applicable legal requirement shall prevail.