Here’s a paraphrased version:

**Refund and Cancellation Policy**

• We offer a 50% refund if services are canceled within 5 days of payment.
• No refunds are provided for cancellations after this period.
• Service renewals must be canceled at least 10 days before the next billing cycle starts; no refunds are available once the billing cycle begins. If services are unused after signup, payment is still required.
• Refunds are credited to the original payment account within 45 days of cancellation.

**Refund and Cancellation Policy for Spotbooking Service**

This policy applies exclusively to online payments made via our mobile app and website for appointment bookings. If a hospital/clinic cancels due to doctor unavailability, 100% of consultation fees and convenience fees will be refunded. Refunds are processed through the original payment method and adhere to its terms, typically within 7 working days.