Dr Sanjog Sharma

# TERMS & CONDITIONS

## gynecomastia.drsanjog.com

**Effective Date:** June 1, 2026

**Last Updated:** June 1, 2026

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### 1. ACCEPTANCE OF TERMS

By accessing and using **gynecomastia.drsanjog.com** (the "**Service**") and submitting your assessment request, you agree to be bound by these Terms & Conditions (the "**Agreement**"), as well as our **Privacy Policy** and **Refund Policy**.

If you do **not** agree to these terms, **do not use the Service**. Your continued use constitutes your acceptance.

**These terms apply to all users in India only.**

---

### 2. SERVICE DESCRIPTION

The Service provides a **confidential, doctor-led online gynecomastia (male breast tissue) assessment** consisting of:

1. **Photo Upload:** You submit a photograph of your chest

2. **Medical Review:** Dr. Sanjog Sharma (MS Plastic Surgery; Member, Indian Association of Plastic Surgeons; DLH License 2020 0000540 KTK) personally reviews your photograph and provides a preliminary assessment

3. **Assessment Report:** You receive a written professional assessment report delivered via WhatsApp, typically within **24 hours**, including:

- Tissue analysis and grading (Modified Simon's Classification)

- Surgical and non-surgical treatment options

- Recommendations for further evaluation or in-person consultation

- Dr. Sanjog Sharma's professional opinion

---

### 3. IMPORTANT CLARIFICATIONS — WHAT THIS SERVICE IS NOT

#### 3.1 NOT a Diagnosis or Treatment

- This assessment is a **preliminary consultation tool**, not a formal medical diagnosis

- It is **not a substitute for an in-person clinical examination** by a qualified surgeon

- No surgical plan or prescription can be finalized based solely on this remote assessment

- This Service does **not** constitute the start of a doctor-patient treatment relationship

#### 3.2 NOT a Guarantee of Outcomes

- The assessment does not guarantee that you are a candidate for any specific procedure

- Surgical suitability depends on in-person evaluation, medical history, overall health, and other factors not assessed remotely

- Actual surgical outcomes vary based on tissue type, body composition, healing capacity, and individual factors

#### 3.3 NOT a Replacement for Emergency Care

- If you experience chest pain, difficulty breathing, infection, or other medical emergency, **seek immediate medical attention** at a hospital or emergency service

- This Service is not suitable for urgent medical conditions

#### 3.4 Confidentiality vs. Anonymity

- This Service is **confidential** (protected by medical ethics and data law) but **not anonymous**

- You are identified by your phone number

- Your data is stored securely; however, absolute anonymity is not guaranteed

---

### 4. ELIGIBILITY & USER RESPONSIBILITIES

#### 4.1 Age & Capacity

- You must be **18 years of age or older** at the time of assessment

- If you are **under 18 years old**, a parent or legal guardian must provide explicit written consent and approve this assessment

- You must have the legal capacity to enter into this Agreement

#### 4.2 Your Responsibilities

You agree to:

- **Provide Accurate Information:** Disclose your age truthfully; if under 18, ensure guardian consent is genuine

- **Obtain Consent:** Confirm that the photograph is yours and that you consent to its submission and analysis

- **Appropriate Conduct:** Do not misuse the Service or submit fraudulent, misleading, or inappropriate content

- **Respect Confidentiality:** Do not share Dr. Sanjog Sharma's assessment report publicly without his prior written consent

- **Seek Emergency Care When Needed:** If you experience medical emergencies, contact a hospital or emergency service immediately, not this Service

- **Avoid Medical Reliance:** Do not rely solely on this assessment for surgical decisions; always consult an in-person surgeon

#### 4.3 Health Declarations

By using this Service, you represent that:

- You have **no active chest infection, wound, or medical condition** that would make photo submission unsafe or misleading

- You are **not currently under the care of another surgeon** for gynecomastia (or, if you are, you've disclosed it)

- You have **no significant underlying health condition** (cardiac, respiratory, clotting, etc.) that you haven't mentioned

---

### 5. PAYMENT TERMS & PRICING

#### 5.1 Assessment Fee

- **Cost:** ₹100 (Indian Rupees) per assessment

- **Currency:** INR; if paying from outside India, Razorpay will apply currency conversion and applicable fees

- **Payment Method:** Credit card, debit card, UPI, or other methods offered by Razorpay

#### 5.2 Payment Processing

- Payment is processed via **Razorpay**, a third-party payment gateway

- Your payment information is secured by Razorpay; we do **not** store or access your card details

- A transaction receipt will be issued by Razorpay and forwarded to your registered email

- **No payment receipt = no assessment conducted**; refund will be issued automatically

#### 5.3 What ₹100 Covers

- One (1) gynecomastia assessment by Dr. Sanjog Sharma

- A personalized written assessment report

- Delivery of the report via WhatsApp

- Clarification or follow-up questions via WhatsApp (within **7 days** of report delivery)

#### 5.4 Non-Refundable Elements

Once your assessment is complete and the report is delivered, the fee is **non-refundable** unless a refund condition (Section 6) applies.

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### 6. REFUND POLICY

#### 6.1 Refund Conditions

Your ₹100 assessment fee is refundable **only** if:

| Condition | Refund |

|-----------|--------|

| Payment processed successfully but assessment not completed within **48 hours** of payment | 100% (₹100) |

| Service is unavailable for more than **24 hours** due to system error | 100% (₹100) |

| You cancel before submitting a photograph | 100% (₹100) |

| You cancel after submitting photo but before assessment completion | 50% (₹50) |

| Assessment completed and report delivered | **Non-refundable** |

| Request for re-assessment of the same case | 50% (₹50) refund; new ₹100 charge applies if new photos/issues are assessed |

#### 6.2 Non-Refundable Scenarios

Your fee is **not refundable** if:

- You change your mind after receiving the assessment report

- You disagree with Dr. Sanjog Sharma's preliminary assessment (assessment is his professional opinion; disagreement is not grounds for refund)

- You cannot access the Service due to technical issues on your end (e.g., network failure, browser incompatibility)

- You delete your account or request data deletion (assessment has been completed and delivered)

#### 6.3 Refund Process

- Refund requests must be submitted via email to **[INSERT EMAIL]** within **7 days** of payment

- Include your transaction ID and reason for refund

- Refunds will be processed back to your original payment method within **5–7 business days** (bank processing may take an additional 2–3 days)

- Razorpay transaction/processing fees are **non-refundable**

---

### 7. MEDICAL DISCLAIMER & LIABILITY

#### 7.1 Medical Disclaimer

**Dr. Sanjog Sharma and the Service Provider are NOT liable for:**

- Any decision you make based on this preliminary assessment (you use it at your own risk)

- Consequences of not seeking in-person medical evaluation before any surgery

- Delayed diagnosis or missed conditions due to limitations of remote assessment

- Surgical outcomes, complications, or results from any procedure you may undergo elsewhere

- Claims arising from your failure to follow-up with a qualified in-person surgeon

#### 7.2 Limitation of Liability

**To the maximum extent permitted by law:**

- **We provide the Service "AS-IS" without warranties** of accuracy, completeness, or fitness for any particular purpose

- **Our total liability** for any claim arising out of this Service is limited to the amount you paid (₹100)

- **We are not liable for indirect, incidental, consequential, special, or punitive damages** (e.g., lost earnings, emotional distress, lost business)

- This limitation applies even if Dr. Sanjog Sharma or the Service Provider has been advised of the possibility of such damages

#### 7.3 Professional Opinion, Not Liability

Dr. Sanjog Sharma's assessment represents his **professional clinical opinion** based on the photograph provided. It is **not**:

- A legal guarantee of diagnosis or surgical candidacy

- Binding on any other surgeon or clinic you may consult

- Admissible as evidence of negligence or malpractice (it is a preliminary opinion for educational/informational purposes)

#### 7.4 Emergency Carve-Out

If you are experiencing a **life-threatening emergency** (severe chest infection, inability to breathe, signs of malignancy), **do not use this Service**. **Proceed directly to a hospital emergency department.**

---

### 8. INTELLECTUAL PROPERTY & CONTENT OWNERSHIP

#### 8.1 Our IP

- All content on **gynecomastia.drsanjog.com** (design, text, logos, branding, assessment templates) is owned by Dr. Sanjog Sharma or licensed to him

- You may **not** reproduce, distribute, or reuse any content without written permission

#### 8.2 Your Photograph

- **You retain ownership** of your photograph

- By submitting it, you grant us a **limited license** to:

- Analyze it for this assessment

- Store it securely for your records (for up to 1 year or until deletion)

- Display it only to Dr. Sanjog Sharma for review

- **You may request deletion** of your photograph at any time (see Privacy Policy)

- We will **never** use your photo in marketing, testimonials, case studies, or before/after galleries without **separate, explicit, written consent**

#### 8.3 Assessment Report

- The assessment report is **authored by Dr. Sanjog Sharma** and contains his intellectual property and clinical insights

- You may use it for **personal medical consultation** only

- You may **not** publish, distribute, or commercially use the report without written permission

#### 8.4 No Testimonial Use

In compliance with Indian Medical Council (IMC) Code of Medical Ethics and UAE DHA regulations:

- We will **never** publish your name, case, photo, or outcome as a testimonial or endorsement

- We will **not** use any patient data in marketing materials without explicit prior written consent

- Patient confidentiality is paramount

---

### 9. USER CONDUCT & PROHIBITED USES

You agree **not** to:

- Submit false, misleading, or fraudulent information

- Submit photographs that are not your own or that you do not have rights to use

- Attempt to access the Service using false identity or another person's credentials

- Attempt to hack, disrupt, or interfere with the Service or Dr. Sanjog Sharma's systems

- Use the Service for any illegal purpose or in violation of any law

- Submit explicit, abusive, threatening, or offensive content

- Share your assessment report or WhatsApp link with third parties to misrepresent yourself

- Spam, harass, or threaten Dr. Sanjog Sharma or other users

- Attempt to reverse-engineer or scrape data from the Service

**Violation of these terms** may result in:

- Suspension or termination of your account

- Forfeiture of your fee (no refund)

- Referral to law enforcement or regulatory authorities

- Civil or criminal liability under applicable law

---

### 10. MODIFICATION & TERMINATION OF SERVICE

#### 10.1 Right to Modify

We reserve the right to:

- Modify, suspend, or discontinue the Service at any time with **30 days' notice**

- Modify these terms with **30 days' notice** (material changes will be communicated via email)

- Change the assessment fee with **30 days' advance notice** (changes apply to new assessments, not completed ones)

#### 10.2 Termination

We may **terminate your access** without notice if you:

- Violate these terms or any applicable law

- Submit false or misleading information

- Engage in abusive or threatening conduct

- Attempt to defraud or misuse the Service

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### 11. DATA PRIVACY & CONFIDENTIALITY

- Your personal data is protected under the **Digital Personal Data Protection Act, 2023 (DPDP Act)** and our **Privacy Policy**

- Dr. Sanjog Sharma maintains **medical confidentiality** as required by the Indian Medical Council Code of Medical Ethics and UAE DHA regulations

- Your assessment data will **not** be shared with third parties except as necessary to provide the Service or as required by law

- For full details, see our **Privacy Policy**

---

### 12. DISCLAIMER OF WARRANTIES

**We provide this Service "AS-IS" without any warranties:**

- **No warranty of accuracy** — The assessment is preliminary and may contain errors

- **No warranty of availability** — The Service may be interrupted, suspended, or unavailable

- **No warranty of fitness** — The Service is not guaranteed to be suitable for your specific situation

- **No warranty of results** — We do not guarantee that the assessment will lead to treatment, consultation, or any specific outcome

**You assume all risks** of using this Service.

---

### 13. DISPUTE RESOLUTION & JURISDICTION

#### 13.1 Governing Law

This Agreement is governed by the laws of **India**, including:

- The Digital Personal Data Protection Act, 2023

- The Indian Contract Act, 1872

- The Information Technology Act, 2000

- Indian Medical Council Code of Medical Ethics

#### 13.2 Jurisdiction & Venue

All disputes, claims, and legal proceedings shall be subject to the **exclusive jurisdiction** of courts in **Bengaluru, Karnataka, India**.

By using this Service, you **irrevocably consent** to jurisdiction and venue in Bengaluru, Karnataka.

#### 13.3 Dispute Resolution Process

Before initiating legal action:

1. **Attempt Good Faith Resolution:** Email **[INSERT EMAIL]** with a detailed description of your dispute

2. **Response Timeline:** We will respond within **14 days**

3. **Mediation:** If unresolved, you may request mediation before Dr. Sanjog Sharma and yourself

4. **Legal Action:** Only after these steps may you pursue legal remedies

#### 13.4 No Class Action

You agree that any dispute is brought in your individual capacity and **not** as a plaintiff or class member in any class action, collective action, or representative proceeding.

---

### 14. LIMITATION OF LIABILITY & INDEMNITY

#### 14.1 Liability Cap

**Our total liability** under these terms, whether in contract, tort, negligence, or otherwise, is **capped at ₹100** (the amount you paid for the assessment) or the amount recovered from your payment, whichever is less.

#### 14.2 Exclusion of Damages

**We are not liable for:**

- Lost profits, lost earnings, lost business opportunity

- Emotional distress, humiliation, reputational harm

- Consequential, incidental, special, or punitive damages

- Indirect damages arising out of the Service

#### 14.3 Indemnity

You agree to **indemnify and hold harmless** Dr. Sanjog Sharma and the Service Provider from any claims, damages, or costs (including legal fees) arising from:

- Your use of the Service in violation of these terms

- Your infringement of third-party rights (e.g., submitting someone else's photo)

- Your breach of any representation or warranty herein

- Your violation of applicable law

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### 15. SEVERABILITY

If any provision of these terms is found to be **invalid, illegal, or unenforceable** by a court of competent jurisdiction:

- That provision shall be **severed or modified** to the minimum extent necessary

- **All other provisions remain in full effect**

- The intent of this Agreement is preserved

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### 16. ENTIRE AGREEMENT

This Agreement, together with our **Privacy Policy** and **Refund Policy**, constitutes the **entire agreement** between you and Dr. Sanjog Sharma regarding the Service. **All prior negotiations, discussions, and agreements are superseded.**

There are **no oral modifications**; any changes must be made in writing and signed by both parties.

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### 17. CONTACT INFORMATION

For questions, disputes, or concerns regarding these Terms & Conditions, please contact:

**Dr. Sanjog Sharma**

Email: **contact@drsanjog.com**

WhatsApp: **+919980580792** (for urgent queries)

Mailing Address: 2nd floor, 222/220/A, Whitefield Main Road, above BMW Deutsche Motoren Showroom, opposite Sheraton Grand, Hobli, Sadaramangala, Krishnarajapuram, Bengaluru, Karnataka 560066, India

**Response Time:** We aim to respond to all inquiries within **7 business days**.

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**End of Terms & Conditions**

# PRIVACY POLICY

## gynecomastia.drsanjog.com

**Effective Date:** June 1, 2026

**Last Updated:** June 1, 2026

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### 1. INTRODUCTION & REGULATORY FRAMEWORK

This Privacy Policy explains how **Dr. Sanjog Sharma** (hereinafter "**we**," "**us**," "**our**," or "**the Service Provider**") collects, uses, stores, and protects your personal data when you use the gynecomastia assessment service at **gynecomastia.drsanjog.com** (the "**Service**").

We are committed to protecting your privacy in compliance with:

- **India:** The Digital Personal Data Protection Act, 2023 (DPDP Act)

- **India:** Medical Council conduct standards (Indian Medical Council (IMC) Code of Medical Ethics)

This Service is operated by **Dr. Sanjog Sharma**, a registered medical practitioner:

- **India:** DLH License No. 2020 0000540 KTK (Karnataka Medical Council)

---

### 2. WHAT DATA WE COLLECT

#### 2.1 Data You Provide Directly

When you use the Service, you voluntarily provide:

- **Contact Information:** Mobile phone number (required for identification and report delivery)

- **Medical History:** Age confirmation; statement that you are of legal age or have guardian consent

- **Visual Data:** Chest/gynecomastia photograph(s) that you upload or capture

- **Consent Records:** Your explicit tick-box confirmation to:

- The age declaration and guardian consent (if applicable)

- Allow photo review for medical assessment

- Receive assessment feedback and consultation offers via WhatsApp

- Data processing as described in this Privacy Policy

#### 2.2 Data Collected Automatically

- **Technical Data:** IP address, device type, browser type, access timestamps, pages visited

- **Payment Information:** Transaction ID and status via Razorpay (we do not store your card details; Razorpay holds these securely)

#### 2.3 No Third-Party Data

We do not knowingly collect data from third parties, public records, or third-party services without your consent.

---

### 3. LEGAL BASIS FOR DATA PROCESSING

We process your data based on:

1. **Your Explicit Consent** (DPDP Act, Section 8)

- You tick consent boxes before assessment begins

- Consent is recorded in our database and is freely revocable at any time

2. **Contractual Necessity** (DPDP Act, Section 8)

- Processing is necessary to provide the assessment service and deliver your report

3. **Legal Compliance** (DPDP Act, Section 8)

- Retaining records to comply with medical registration standards and tax/payment regulations

4. **Legitimate Interests**

- Fraud prevention, system security, and service improvement (non-intrusive)

---

### 4. HOW WE USE YOUR DATA

We use your data **only for:**

- **Assessment & Reporting**

- Analyzing your photograph for a preliminary medical-grade assessment

- Drafting a personalized written report by Dr. Sanjog Sharma

- Delivering your report via WhatsApp or other contact method

- **Communication**

- Sending you your assessment report

- Responding to questions or deletion requests

- Offering follow-up in-person consultation or treatment options (with your consent)

- **Payment Processing**

- Verifying and recording your ₹100 payment via Razorpay

- Refund processing (if applicable, per Refund Policy)

- **Compliance & Record-Keeping**

- Maintaining audit trails of consents, assessments, and deletion requests

- Meeting regulatory obligations under NMC/DHA/Indian tax authorities

- Detecting and preventing fraud or unauthorized access

- **Service Improvement** (Anonymized/Aggregated Data Only)

- Analyzing assessment outcomes, response times, and user experience—**never** individual case details

**We do NOT:**

- Sell, rent, or trade your personal data

- Use your data for marketing purposes without explicit opt-in consent

- Share your photograph with third parties (except as necessary to deliver the service)

- Use your data to train public-facing AI models

- Publish or display your data as a testimonial or case study without separate, written, explicit consent

---

### 5. INTERNAL AI PROCESSING

As part of our service workflow, your photograph is analyzed by **Anthropic's Claude Vision AI** to:

- Generate a preliminary medical-grade assessment (tissue classification, surgical/non-surgical options)

- Support Dr. Sanjog Sharma's clinical review and report drafting

**Important Clarifications:**

- The AI output is **not** a diagnosis or final assessment; it is a **draft only**

- Dr. Sanjog Sharma **personally reviews, edits, and validates** every assessment before sending it to you

- Your photograph is processed **confidentially** by Anthropic's API; Anthropic does not use your image to train public models or retain it after processing

- The final assessment you receive is **doctor-authored and medically accountable**, not AI-generated

---

### 6. DATA STORAGE & LOCATION

#### 6.1 Where Your Data is Stored

Your personal data and photographs are stored in a **PostgreSQL database hosted on Railway.app**, located in the **US-West region (United States)**.

#### 6.2 Why Outside India?

We use Railroad for infrastructure reliability, auto-scaling, and security (HTTPS, encrypted backups). **The transfer is necessary** to operate the service. We implement safeguards consistent with DPDP Act principles of data minimization and security (see Section 10, Security Measures).

#### 6.3 Data Retention & Deletion

| Data Type | Retention Period | Deletion on Request |

|-----------|------------------|-------------------|

| **Your photograph** | Until deleted by you or 30 days post-assessment, whichever is earlier | Immediately (and within 30 days from live systems) |

| **Assessment report** | Until deleted by you or 1 year from issuance | Immediately (and within 30 days from live systems) |

| **Payment & transaction records** | 7 years (tax/regulatory requirement, India) | Anonymized/retained for compliance |

| **Consent records** | Until revoked or 3 years post-assessment | Retained for legal defense (not deleted, as per compliance requirements) |

| **Audit logs** (IP, timestamps, case ID) | 1 year | Retained for security/compliance |

| **Automated backups** | 30 days (Railway default) | Purged automatically; not manually retained |

---

### 7. YOUR RIGHTS UNDER DPDP ACT 2023

#### 7.1 Right to Access

You can request a copy of all your personal data held by us. We will provide it in a structured, portable format within **30 days** of your request.

#### 7.2 Right to Correction

You can request correction of inaccurate or incomplete personal data (e.g., phone number) within **30 days**.

#### 7.3 Right to Deletion ("Right to Be Forgotten")

You can request deletion of your data at any time. Upon request:

- Your photograph is immediately deleted from our live system

- Associated assessment reports are flagged as deleted

- Automated backups containing your data are purged within 30 days

- Transaction/consent records are anonymized (phone hashed, names removed) for compliance

- We will confirm deletion within **30 days**

#### 7.4 Right to Withdraw Consent

You can withdraw consent to data processing at any time by emailing **[INSERT EMAIL]**. Withdrawal does not affect the lawfulness of processing done before withdrawal.

#### 7.5 Right to Lodge a Complaint

If you believe your data is being processed in violation of this Privacy Policy or the DPDP Act, you can lodge a complaint with the **Data Protection Board of India** (once established) or contact us at **[INSERT EMAIL]**.

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### 8. DATA SHARING & THIRD PARTIES

We share your data only with:

|-------------|---------|------------|----------|

**No other third parties** have access to your data without explicit consent.

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### 9. MINORS & GUARDIANSHIP

If you are **under 18 years of age**, a parent or legal guardian must:

- Provide explicit consent on your behalf

- Tick the "Guardian Confirmation" box before assessment begins

- Receive a copy of this Privacy Policy and understand the data processing

**We do not knowingly collect data from individuals under 13 without parental consent.** If we discover we have done so, we will delete the data immediately.

---

### 10. SECURITY MEASURES

We protect your data using:

- **Encryption in Transit:** HTTPS/TLS 1.2+ for all communication

- **Encryption at Rest:** Photos and personal data are encrypted in the PostgreSQL database

- **Access Control:** Password-protected admin dashboard; only Dr. Sanjog Sharma can view assessments

- **Automated Backups:** Daily encrypted backups with 30-day retention

- **Firewalls & DDoS Protection:** Railway's managed security infrastructure

- **No Storing Sensitive Payment Data:** Razorpay tokenizes and secures card details (we never see them)

**However, no system is 100% secure.** We encourage you to:

- Use a strong, unique password for any login credentials

- Report suspicious activity immediately to **[INSERT EMAIL]**

- Do not share your WhatsApp link with others

---

### 11. COOKIES & TRACKING

We use **minimal cookies** to:

- Maintain your session during the assessment (functional cookies)

- Remember your language preference (if applicable)

We **do not use:**

- Tracking pixels or behavioral analytics that identify you

- Third-party cookies for advertising

You can disable cookies in your browser settings; however, some features may not work correctly.

---

### 12. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically to reflect changes in law, technology, or our practices.

- **Material changes** will be notified to you via email (if provided) at least **30 days** before they take effect

- **Your continued use** of the Service after notification constitutes acceptance of the revised policy

- We will maintain a **version history** on this page showing the effective date of each update

---

### 13. CONTACT US

If you have questions, concerns, or requests regarding this Privacy Policy or your data, please contact:

**Dr. Sanjog Sharma**

Email: **contact@drsanjog.com**

WhatsApp: **+919980580792**

Mailing Address: 2nd floor, 222/220/A, Whitefield Main Road, above BMW Deutsche Motoren Showroom, opposite Sheraton Grand, Hobli, Sadaramangala, Krishnarajapuram, Bengaluru, Karnataka 560066, India

**Response Time:** We aim to respond to all inquiries within **7 business days**.

---

### 14. GOVERNING LAW & JURISDICTION

This Privacy Policy is governed by the laws of **India**, specifically:

- The Digital Personal Data Protection Act, 2023

- The Information Technology Act, 2000

- Indian Contract Act, 1872

Any disputes shall be subject to the jurisdiction of courts in **Bengaluru, Karnataka, India**.

---

**End of Privacy Policy**

# REFUND POLICY

## gynecomastia.drsanjog.com

**Effective Date:** June 1, 2026

**Last Updated:** June 1, 2026

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### 1. OVERVIEW

This Refund Policy outlines when and how we refund the ₹100 assessment fee for the gynecomastia assessment service. **Please read this policy carefully before making payment.**

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### 2. REFUNDABLE SCENARIOS

Your **₹100 assessment fee is refundable** in the following cases:

#### 2.1 Payment Processed but Assessment Not Completed (Within 48 Hours)

- **Condition:** Your payment is successful, but Dr. Sanjog Sharma has **not completed and delivered** your assessment report within **48 hours** of your payment

- **Refund:** **100% (₹100)**

- **Exception:** If you request deletion of your photo during this period, you forfeit the assessment and are eligible for a 100% refund

#### 2.2 Service Unavailable Due to System Error

- **Condition:** The Service is **unavailable or non-functional** for more than **24 consecutive hours** due to our technical failure, preventing you from completing your assessment

- **Refund:** **100% (₹100)**

- **Note:** We will notify you of the downtime and offer the refund or a rescheduled assessment at no additional cost

#### 2.3 Cancellation Before Photo Upload

- **Condition:** You cancel your assessment request **before uploading a photograph** and **before making payment**

- **Refund:** **100% (₹100)**

- **Note:** No assessment work has been conducted; payment is immediately reversed

#### 2.4 Cancellation After Photo Upload but Before Assessment Completion

- **Condition:** You submit a photograph and payment, but request cancellation **before Dr. Sanjog Sharma has completed his review** (within **24 hours** of submission)

- **Refund:** **50% (₹50)**

- **Reason:** Dr. Sanjog Sharma has invested time in initial review; partial refund covers operational costs

- **Note:** Your photograph will be deleted per your request and our Privacy Policy

---

### 3. NON-REFUNDABLE SCENARIOS

Your **₹100 assessment fee is non-refundable** in the following cases:

#### 3.1 Assessment Completed and Report Delivered

- **Condition:** Dr. Sanjog Sharma has completed his review and delivered your assessment report via WhatsApp (or your preferred contact method)

- **Reason:** The service has been fully rendered; the assessment is Dr. Sanjog Sharma's professional opinion and is his intellectual property