Any subscriber is at liberty to cancel his/her “HTO CLUB” subscription any point of time, but the annual subscription paid will not be returned on event of cancellation, however the subscriber will continue to have access to the “HTO CLUB” service till the end of their annual subscription period. If subscriber cancels his/her subscription, his/her account will automatically close at the end of their subscribed billing period.

Any subscriber’s account in the event of violation of Terms and conditions may be terminated without any notice.

Refund Policy:  If the payment is made twice for any transaction by the subscriber, then the second payment made for the same transaction will be refunded via same source within 07 to 10 working days

Notification Policy: After successful payment, the Subscriber will be notified through E-Mail or SMS regarding the access of his/her account.