Last updated: 8 November 2026
These policies apply to purchases from Zentium Health Sciences LLP, trading as Morf Research. Review them with the product description and terms before paying. They apply when a product is available for purchase; a preview or enquiry does not create an order.
The Guide: access and refunds
The paid Guide costs ₹9,997 as a one-time purchase. It is separate from our free guides and worksheets.
- Access lasts 12 months from the date your access is delivered. Your confirmation email records the start and end dates.
- Access instructions are emailed within 1 working day of confirmed payment. Check your spam folder and contact us if the instructions do not arrive. The access period starts when access is delivered, not while you are waiting.
- Request a full refund within 7 calendar days of receiving access. Access ends when the refund is approved. This applies to your first purchase of the Guide and does not require a medical reason.
- After the 7-day window, change-of-mind refunds are unavailable. If access is not supplied, is materially different from the description or cannot be restored, you can request a remedy or refund for the undelivered service.
- Access is personal and cannot be resold or shared. Downloadable workbooks supplied with your purchase may be kept for personal use after online access ends. There is no automatic renewal.
Morf Decode: delivery and cancellation
Morf Decode costs ₹2,497 for one person. It includes the secure intake, review of your history and relevant reports, a written report and one walkthrough call. New lab tests, diagnosis, medical treatment and ongoing support are separate.
- Your written report is delivered within 5 working days after Morf confirms that your intake and required reports are complete. Morf will tell you what is missing before starting that timeline. Waiting for information from you pauses the timeline.
- Morf offers a walkthrough appointment within 7 working days of delivering your report. You can choose a later available date. The booking instructions accompany your report. There is no promise of an immediate appointment.
- Cancel before your written report is delivered for a full refund. After report delivery and before the walkthrough begins, 20% of the package price is refundable for the unused call. For cancellation accounting, 80% covers the intake, review and report, and 20% covers the walkthrough. After the call begins, there is no change-of-mind refund.
- If Morf cannot deliver within these times, you may accept a revised date or cancel the undelivered part. Before report delivery, that means a full refund; after report delivery, the undelivered walkthrough is refundable at 20%.
- You may reschedule the walkthrough without charge with at least 24 hours’ notice. Contact us as soon as possible for an emergency or missed appointment; we will offer one replacement appointment without charge.
- If the review is unsuitable for your needs or cannot safely proceed, Morf will explain the limitation and refund the undelivered part. Decode does not guarantee a diagnosis, clinical outcome or eligibility for Signature.
Signature 1:1: payment and cancellation
The 90-day program costs ₹1,00,000. Monthly support costs ₹40,000 for a 30-day service period. The written enrolment confirmation must identify your start date, included support, session schedule and care-team contact.
- Cancel before your agreed start date for a full refund. After starting, you may cancel future support by email. Unused whole days are refunded pro rata using the amount paid divided by the agreed service period; the cancellation day is treated as used. There is no additional cancellation fee.
- Monthly support does not renew automatically unless you separately authorise a recurring payment. You can decline the next month before it starts. A 90-day purchase does not start another program automatically.
- Session changes require 24 hours’ notice where possible. Ask the team about emergencies, pauses or a revised schedule; any change must be confirmed in writing.
- Any instalment or EMI arrangement must show the total payable, dates and provider charges before you accept it. No EMI, discount, outcome guarantee or Decode credit is included unless the offer states it in writing.
- If an approved upgrade credits a previous Decode payment, refunds are limited to the amount actually paid for each order. The same payment cannot be refunded twice.
Other offers and prices
A separately sold consultation can be cancelled for a full refund before the session starts; a completed session is not refundable for a change of mind. Group and corporate programs require their own written offer before payment. No charge is made by joining an interest list.
Published INR prices are the total product fees, inclusive of applicable taxes. Optional additions must be itemised and selected before payment. Your payment provider may apply currency-conversion charges outside Morf’s control. No health outcome is guaranteed.
Request a refund or resolve a payment problem
Email support@morfresearch.com with your order email, payment reference, product and request. Do not send card details, passwords or medical reports. If a payment is unclear, ask us to verify it before paying again.
Duplicate payments and charges for an order Morf cannot fulfil are refundable in full. Approved refunds are initiated to the original payment method within 7 working days. Your bank or payment provider may take additional time to post the credit. We do not deduct payment-processing fees from an approved refund. A refund ends the access or future service being refunded.
We acknowledge complaints within 48 hours and aim to resolve them within 30 calendar days. If a request needs more information, we will explain what is needed and keep you updated.
Working days are Monday to Friday, excluding public holidays in Maharashtra, India. Timings use Indian Standard Time.
Your rights and contact
These policies do not limit rights or remedies available under applicable consumer law, including for deficient, misdescribed or undelivered services. More protective mandatory rights take priority. Later policy changes do not reduce the terms of an existing purchase without your agreement.
Grievance Desk, Zentium Health Sciences LLP
207, Ackruti Star, Andheri East, Mumbai, India 400093
support@morfresearch.com