Terms & Conditions

This is a Contract

This (including any modification/alteration/change/deletion in this Agreement from time to time by Expertpanel.in) is a Contract between you and expertpanel.in

Free Consent

You state that the very fact that you are visiting / have visited Expertpanel.in is a complete unqualified acceptance of yours relating to various terms and conditions detailed on this website and also in the disclaimer. You fully declare and undertake with a sound mind without any undue force, pressure, influence or coercion on you, that you shall be fully bound by the terms of the website as also by the terms of the disclaimer. You further undertake that in case any dispute arises out of and relating to the non-performances of any obligations as a visitor of this Expertpanel.in website or as a seeker or querist of opinion, advice or consultancy from the services of Expertpanel.in website or on account of non-payment of any dues in respect of the services rendered under this Agreement then the exclusive jurisdiction to file law suits against you, being the visitor or querist, shall be in the courts at Kochi only.


Membership to the Site is void where prohibited. For using this site you must be eligible to enter into contract as per the applicable laws of India and country of your residence. Your use of Expertpanel.in represents and warrants that you have the right, authority, and capacity to enter into this Agreement and to abide by all of the terms and conditions of this Agreement.

You agree to inform Expertpanel.in your subsequent disability to enter into any contract.

Subsequent disability shall entitle Expertpanel.in to restrict/change/terminate this agreement at its own discretion.

Term & Termination

This Agreement will remain in full force and effect while you use the Site and/or are a member of Expertpanel.in. You may terminate your membership at any time, for any reason by informing Expertpanel.in in writing to terminate your membership. In the event you terminate your membership, you will not be entitled to a refund of any unutilized subscription fees or access to digital content or reports purchased through Expertpanel.in. Expertpanel.in may terminate your access to the Site and/or your membership for any reason which shall be effective upon sending notice of termination to you at the email address you provide in your application for membership or such other email address as you may later provide to Expertpanel.in. If Expertpanel.in terminates your membership because of your breaching the Agreement, you will not be entitled to any refund of any unused Subscription fees or access to digital content or reports purchased by you.


Expertpanel.in reserves its right to change the Service or delete features at any time and for any reason and to cancel or suspend your Service at any time. Such cancellation or suspension may be without cause and/or without notice. In case of service cancellation, your right to use the Service stops right away. Once the Service is cancelled or suspended, any data you may have stored on the Service may not be retrieved later.

If we cancel the Service in its entirety without cause, then we will refund to you, on a pro-rata basis the amount of your payment corresponding to the portion of your Service remaining right before such cancellation.

You understand that Expertpanel.in may at any time, at its sole discretion and without prior notice to you, prohibit or restrict your access to the use of the website or related services.

Non-Commercial Use by Members

The Expertpanel.insite is for the personal use of individual members only, and may not be used in connection with any commercial endeavors unless registered and approved as an 'Affiliate' of the Site. This includes providing links to other websites, whether deemed competitive to Expertpanel.in or otherwise. Illegal and/or unauthorized uses of the Site, including unauthorized framing of or linking to the Site will be investigated, and appropriate legal action will be taken, including without limitation, civil, criminal, and injunctive redress.

Expertpanel.in shall be entitled to recover from you, your successors, heirs, assigns etc any profit, revenue, benefit etc which you have gained/received, expected or going to receive with penalty @ 50% of such profit/revenue/benefit by unauthorized use of this site.

Other Terms of Use by Members

You may not engage in advertising to, or solicitation of, other Members to buy or sell any products or services through the Service unless accepted as an Expert or as an Authorized Vendor by the Site. You will not transmit any chain letters or junk email to other Expertpanel.inmembers. Expertpanel.in reserves the right to screen messages that you may send to Experts.

You may not use any automated processes, including IRC Bots, EXE's, CGI or any other programs/scripts to view content on or communicate/contact/respond/interact with Expertpanel.in and/or its Members.

Content Posted on the Site

Expertpanel.in owns and retains all proprietary rights, including without limitation, all intellectual property rights in the Expertpanel.in Site and the Expertpanel.in Service. The Site contains the copyrighted material, trademarks, and other proprietary information of Expertpanel.in, and its licensors. Except for that information which is in the public domain or for which you have been given express permission by Expertpanel.in, you may not copy, modify, publish, transmit, distribute, perform, display, or sell any such proprietary information. All lawful, legal and non-objectionable messages (in the sole discretion of Expertpanel.in), content and/or other information, content or material that you post on the forum boards shall become the property of Expertpanel.in. Expertpanel.in reserves the right to scrutinize all such information, content and/or material posted on the forum boards and shall have the exclusive right to either remove, edit and/or display such information, material and/or content.

You must use the Expertpanel.in Service in a manner consistent with any and all applicable local, state, federal laws and regulations.

Copyright Policy

You can not post, distribute, or reproduce in any way any copyrighted material, trademarks, or other proprietary information without obtaining the prior written consent of the owner of such proprietary rights. Any such violations can be reported on ceo@expertpanel.in


Use of the Expertpanel.in Site and/or the Expertpanel.in Service is governed by the Expertpanel.in Privacy Policy.

Disclaimers/limitation of liability

Your use of the expertpanel.in service is at your sole risk

Please note that this contract strictly limits our liability and expertpanel.in does not provide warranties for the consultation services on offer . The contract also limits your remedies.

Astrology is an evolving body of knowledge, with experiences and original research being contributed by astrologers from around the world. Any data, interpretation, prediction or information in any form received through expertpanel.in should not be treated as substitute for advice or treatment you would normally receive from medical professionals, financial advisors, legal consultants and other such licensed services. Expertpanel.in and its subsidiaries, affiliates, officers, employees, agents, partners and licensors expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

Astrological counseling offered through expertpanel.in is based on cumulative or individual knowledge, experience and interpretations of astrologers and as such it may wary from one astrologer to another.

Astrologers on the panel of expertpanel.in may from time to time make recommendations of using mantras, yantras, gemstones or other astrological remedies to be used by you. Such recommendations are being made in good faith by the astrologers and expertpanel.in and its subsidiaries, affiliates, officers, employees, agents, partners and licensors make no warranty that (i) the service will meet your requirements; (ii) the service will be uninterrupted, timely, secure or error-free; (iii) the results that may be obtained from the use of the service will be accurate or reliable; (iv) the quality of any products, services, information or other material purchased or obtained by you through the service will meet your expectations. You are required to make full disclosure about the emotional, mental and physical state of the person seeking advice from the panel of astrologers of expertpanel.in, so that the astrologers make an informed judgment about giving advice.

Any material downloaded or otherwise obtained through the use of the service is accessed at your own discretion and risk, and you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material. Limitation on liability: you expressly understand and agree that expertpanel.in and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if expertpanel.in has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the service; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the service; or (v) any other matter relating to the service.

Notwithstanding anything to the contrary contained herein, expertpanel.in liability to you for any cause whatsoever, and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to expertpanel.in, for the service during the term of the membership.


Any claim in relation to this agreement or in connection therewith shall be filed with opposite party within 6 months from the date when the claim first could be filed.

If there is any dispute about or involving the Site and/or the Service, by using the services you further agree that the disputed matter will be governed by the laws of India. You agree to the exclusive jurisdiction of the courts of Kochi, India.


Expertpanel.in may assign this contract to anybody with or without notice to you. You can not assign this contract to anybody without getting prior written approval/consent of Expertpanel.in. Any such transfer/assignment by you without getting approval of Expertpanel.in shall be deemed null &void.


You agree to indemnify and hold Expertpanel.in, its subsidiaries, directors, affiliates, officers, agents, and other partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorney's fees, made by any third party due to or arising out of your use of the Service in violation of this Agreement and/or arising from a breach of any of the terms of this Agreement and/or any breach of your representations and warranties set forth above.

Dealings With Advertisers

Any of your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Service, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. You agree that Expertpanel.in shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Service.


By becoming a Member of the website,Expertpanel.in, you agree to receive certain specific emails and SMS from Expertpanel.in. This Agreement, accepted upon use of the Site and further affirmed by becoming a Member of the Expertpanel.in service, contains the entire agreement between you and Expertpanel.in regarding the use of the Site and/or the Service. If any provision of this Agreement is held invalid, the remainder of this Agreement shall continue in full force and effect.

You are under an obligation to report any misuse or abuse of the Site. If you notice any abuse or misuse of the Site or anything which is in violation of this Agreement, you shall forthwith report such violation to Expertpanel.in by writing to Customer Care on ceo@expertpanel.in. On receipt of such complaint, Expertpanel.in may investigate such complaint and if necessary may terminate the membership of the Member responsible for such violation abuse or misuse without any refund of subscription fee. Any false complaint made by a Member shall make such Member liable for termination of his / her membership without any refund of the subscription fee.

Expertpanel.in reserves the right to withdraw its services to any customer who is found to be unreasonable or abusive during their conversation with an astrologer regardless of the reason. While Expertpanel.in will make every effort to resolve any such situation, in case this fails, such customers will be sent a written warning. If it is repeated, the said customer will not be permitted to transact on the platform. Any balance in the customer’s wallet will be refunded, to the extent that a refund is possible.

Expertpanel.in is a property of Vedic Centre for Ancient Sciences (OPC) Private Ltd. By joining Expertpanel.in, you confirm that you have read the above provisions and agree to abide by them.

Images: Some images used in the site have been taken from the internet and if, any of these belong to you, please let us know. Send us a notification and we will promptly remove these, post verification.(ceo@expertpanel.in)

Product images shown may vary from the actual product as some of these products are hand crafted and images are digitally enhanced for the web.

Should you need any clarification in respect of this website, you may contact us.

Refund & Cancellation Policy  

Refunds cannot be issued on the order of any Horoscope analysis reports under any circumstances, once it reaches the “processing” (Allocated to astrologer) stage. Customers are requested to order carefully and with full consideration. If you wish to cancel an order, please e-mail customer care team at ceo@expertpanel.in within 1 hour from making the payment along with intimation on our customer care mobile number at 70346 43221. The timelines displayed on the site are an approximate time scale. We try to adhere to them to a very large extent. However, as these reports are individual and manually generated by our astrologers, some delays are possible. We will try on a best case to deliver as soon as possible. Delays will not be considered as a basis for refunds.

We do not consider refunds for in-correct data provided by the customer. We request you to please re-check all your data when entered. Expertpanel.in will not consider refund requests resulting from the incorrect data provided by you. However, if you e-mail us at ceo@expertpanel.in within an hour of ordering the online horoscope reports,  we will consider the changes to be made.

Any delay in the activation of subscription services will be dealt with immediately and shall be compensated on pro-rata basis. No refunds will be issued on the return of damaged products. By ordering products on Expertpanel.in, the customer takes full responsibility of any damage caused to the product, post its delivery. In case such an order was made via the ‘cash on delivery’ mode of payment, the customer will be charged the cost of the product, as displayed on Expertpanel.in and the shipping/ customs/ courier charges or all three as applicable, if the product is returned.

The products and services offered by Expertpanel.in are not meant to replace any philosophical, emotional or medical treatment. It is offered here as a service. Expertpanel.in holds no responsibility or liability about the reality or reliability of the astrological effects on the human physiology, by the gems represented and sold on the website. On ordering, the customer assumes full responsibility upon this matter. Thus, no refunds will be issued on this ground.

Any damage caused to the product while in transit, will be dealt with by Expertpanel.in and its agencies. While Expertpanel.in tries to make sure that the products displayed on the website are delivered to the customer in an as-is condition, the picture may differ slightly from the original product. The customers are advised to exercise discretion in this matter. No refunds will be issued on this basis.

Phone Advise: Please ensure that your contact number is in a full mobile coverage when you make the call. Any call once connected, will not be refunded.


All refunds will be made after deducting the transaction charges levied by the bank and / or the payment gateway, the cost of shipping or courier charges (back and forth), customs duty and / or any other charges that may have been borne by Expertpanel.in in processing and / or delivering the service, as applicable. Multiple payments against the same order will be refunded in full (without deducting transaction charges on the duplicate payments), after retaining the cost of a singular order.

Money-back Guarantee / Refund Policy on Consultation Services

All refund requests will only be processed back into the user’s account on the website. All sales on the Site/App will be final and shall not be refunded into the bank account of the user.
By requesting a refund, the user is agreeing to provide expertpanel’s Quality Audit team, permission to access the recording of the consultation for which refund has been requested, in order to determine whether the case is fit for refund.
Expertpanel’s Quality Audit team’s decision on processing the refund is at the sole discretion of the team and such decision is final in nature. Expertpanel’s Quality Audit team will, on a best efforts basis, provide refund to users  on their wallet wherever quality parameters have not been satisfied.
Refunds into the wallet will be entertained only in the following cases:
(a) Disturbance over the call due to weak signal strength, background noise or the Partner Astrologer being inaudible, etc.
(b) Partner Astrologer is unable to answer fluently in the language mentioned on his/her profile.
(c) Partner Astrologer is found to take an inordinately long amount of time to respond to user’s query or does not answer in a short time interval.
(d) Partner Astrologer is found to provide an irrelevant or inappropriate response to the query posed by the user.
All refund requests have to be placed within 48 hours of consultation through email to ceo@expertpanel.in, citing the references (Date of Consultation, Astrologer Name etc). No refund requests will be entertained for lack of accuracy of any consultation. As Expertpanel.in is a platform, we take no responsibility for factual accuracy of any consultations