Cards via Stripe
Pay with a supported Visa or Mastercard through Stripe.
Informed choice · Intentional booking · Clear terms
Payments, Cancellations & Refunds
We recommend choosing a consultation and completing your booking only after reviewing its scope and requirements, when you are 100% confident in your choice and ready for the appointment and to provide all required information, documents and test results. Each booking reserves administrative and operational time, and service fulfilment begins as soon as any booking-related information is received.
If a booking is cancelled, the policy applies according to the request timing and service-progress stage. Time already allocated by the company cannot be recovered, and work already begun cannot be undone. The customer may also remain responsible for actual non-refundable charges imposed by payment gateways, card issuers, banks or other financial intermediaries; the company does not retain or control those charges.
Unsure which consultation best fits your needs? Contact us before paying
Services are provided and bookings are administered by Nada Harfoush For Health Awareness Services L.L.C-FZ (the “Company”), licensed by Meydan Free Zone under licence no. 2311281.01. “Nada Harfoush” and “Nada Wellbeing” are used on this website to identify the Company’s services.
Pay in the way that suits you
Secure and Flexible Ways to Pay
We offer a carefully selected range of payment options designed to serve clients across different countries, with security, reliability and ease of use as key priorities. Payments are handled through established payment providers and financial institutions with strong standards for payment processing and protection, while available methods may vary depending on your country, currency and service availability.
Depending on your location and booking type, available options may include card payments via Stripe, Ziina and bank transfer. Tabby instalment payments are available only to eligible customers in the United Arab Emirates.
Options you may see at checkout
Choose the right route for your booking
Ziina
Available to eligible customers in supported countries.
Tabby
Tabby instalment payments are available only to eligible customers in the United Arab Emirates.
Banking option · not a card gateway
Bank Transfer
For supported domestic and international transfers.
Transfer accounts:
Wio Bank
RAKBANK
Wio BankRAKBANKCan’t find a suitable payment option?
Contact UsContact us and our team will help you identify the options available for your country.
Before using the estimator
Service Price and Transaction Costs Are Different
We keep the two separate so you can see what the policy calculates and what independent parties may determine later. We never guess a fee or present it as an automatic deduction.
Service price
The amount actually paid for the booking after any discount.
Policy-based refund
The eligible percentage based on cancellation timing or work stage.
External charges
Actual charges a provider or bank may impose and the Company does not receive.
The actual-record rule
Any non-refundable external cost is determined only from the actual transaction record, where applicable and legally permitted. Customers are not asked to enter merchant or internal processing costs, and the estimator deducts nothing automatically.
Stripe
Original processing or conversion costs may be non-refundable depending on the transaction. The actual record is reviewed instead of applying a generic customer deduction.
Stripe refund documentationopens in a new tabZiina
Actual non-refundable provider charges, if applicable, are confirmed from the original transaction. The estimator does not display a fixed Ziina deduction.
Ziina refund guidanceopens in a new tabTabby
Tabby is available as a payment method only to eligible customers in the United Arab Emirates. Refunds follow its applicable workflow and terms; merchant commercial fees are not treated as a customer surcharge, and the estimator does not automatically deduct a Tabby fee.
Tabby customer refund guidanceopens in a new tabReal-world example · one specific transaction
Real Example of an Eligible Early Cancellation
This example separates a 100% service-value refund from the transaction’s actual external cost, without turning the refund percentage into a misleading net percentage.
- Original amount paid
- AED 2,534
- Service status
- No current-booking information received; no work started
- Service-value refund
- 100% AED 2,534
- Actual Ziina fees and associated VAT from the transaction record
- AED 110.13
- Estimated refund
- AED 2,423.87
This example is based on actual charges from a specific transaction. Payment-provider fees vary by card, currency, transaction type and current pricing; the original transaction record always takes precedence.
What may be unknown in advance?
Card-issuer, customer-bank, sending-bank, receiving-bank, SWIFT, intermediary-bank, correspondent-bank, currency-conversion, foreign-exchange, cross-border handling and other third-party banking costs may affect the final amount. The Company does not receive or control them, and they may not be visible or predictable in advance.
See the policy calculation clearly
Refund Estimator
The estimator uses current site prices for illustration. An actual request is calculated from the amount paid after any discount, in the transaction currency, and after accounting for any prior refund.
What does the payment selection do?
Original processing or conversion costs may be non-refundable depending on the transaction. Selecting Stripe here does not calculate an automatic deduction.
This selection displays contextual guidance only; it does not automatically calculate or deduct a payment-provider charge.Estimated result
Quick Consultation — With an Online Meeting
01 Service refund
- Service price
- —
- Applicable policy
- Early cancellation before service begins
- Service refund percentage
- 100%
- Service refund
- —
02 External costs
- Actual non-refundable external charges
- Confirmed from the original transaction during refund review
- Possible unknown bank or intermediary charges
- May apply
- Estimated refund before external costs
- —
100% of the service value is refundable because the request was made within 24 hours of payment, before a meeting, before the Company received information connected to the current booking that the customer submitted, resubmitted or confirmed for its fulfilment, and before professional work began. Actual external costs are reviewed separately.
This is an illustrative policy result for the service price, not a guarantee of the net amount credited. Booking, communication and transaction records, together with applicable legal rights, take precedence.
Examples from current prices
Examples Where a 50% Refund Applies
These examples apply only where the policy determines a 50% service refund. They do not apply to an eligible early cancellation made within 24 hours of payment before service begins, where the service value may be fully refundable before actual non-refundable external costs.
Quick Consultation — Without a Meeting
- Current price
- —
- Example 50% maximum
- —
More than 24 hours after payment, and before the Company receives information connected to the current booking or work begins, the refund is 50%. It becomes a maximum once current-booking information is received or work begins and before delivery.
Quick Consultation — With an Online Meeting
- Current price
- —
- Example 50% maximum
- —
When the early-cancellation rule does not apply: this covers cancellation 24 hours or more before the appointment, or is a maximum after the meeting and before delivery.
Healthy Lifestyle — Without a Meeting
- Current price
- —
- Example 50% maximum
- —
More than 24 hours after payment, and before the Company receives information connected to the current booking or work begins, the refund is 50%. It becomes a maximum once current-booking information is received or work begins and before delivery.
Healthy Lifestyle — With an Online Meeting
- Current price
- —
- Example 50% maximum
- —
When the early-cancellation rule does not apply: this covers cancellation 24 hours or more before the appointment, or is a maximum after the meeting and before delivery.
Priority Consultation — With an Online Meeting
- Current price
- —
- Example 50% maximum
- —
When the early-cancellation rule does not apply: this covers cancellation 24 hours or more before the appointment, or is a maximum after the meeting and before delivery.
In-Person Meeting at Our Dubai Office
- Current price
- —
- Example 50% maximum
- —
When the early Dubai booking review does not apply, this represents the maximum before the appointment and after the meeting while the final file remains undelivered.
Follow-Up — Without a Meeting
- Current price
- —
- Example 50% maximum
- —
More than 24 hours after payment, and before the Company receives information connected to the current booking or work begins, the refund is 50%. It becomes a maximum once current-booking information is received or work begins and before delivery.
Follow-Up — With an Online Meeting
- Current price
- —
- Example 50% maximum
- —
When the early-cancellation rule does not apply: this covers cancellation 24 hours or more before the appointment, or is a maximum after the meeting and before delivery.
Two separate clocks · two separate rules
Cancellations & Rescheduling
Notice is measured from receipt through an official contact channel to the confirmed appointment time in the booking’s stated time zone. “Same day” is descriptive; the 24- or 48-hour threshold remains the calculation rule.
The primary rule comes first
Early Cancellation Before Service Begins
If you request cancellation within 24 hours of payment, 100% of the service value is eligible for refund only if no meeting has taken place; the Company has not received any information, documents, reports or test results connected to the current booking, whether requested by the Company or provided voluntarily by the customer; no professional work has begun; and the final file has not been delivered. Only actual non-refundable external costs incurred through the original transaction may be deducted, where applicable.
These are not cancellation fees charged by the Company; they are actual provider, bank or other financial-party costs that the Company does not retain.
Dubai Office exception: for a booking cancelled within the first 24 hours after payment, the estimator shows no automatic percentage, whether or not booking information has been received or fulfilment has begun. Booking commitments, the transaction and the service-progress stage are reviewed first, and that review takes precedence over the 48-hour table.
None of the following may have occurred:
- The consultation meeting
- Receipt by the Company of information, documents, reports or test results connected to the current booking, whether requested by the Company or provided voluntarily by the customer
- Substantive professional work
- Report or result review
- Individualized assessment
- Personalized-file preparation
- Final-file delivery
A
Within 24 hours of paymentDetermines eligibility for early cancellation before service begins.
B
24 hours before the appointmentDetermines the ordinary online-appointment rule when the early rule does not apply.
The 48-hour window applies to Dubai Office cancellations, while 72 hours applies to ordinary rescheduling; each window governs a different action.
Priority / Urgent exception
Fulfilment may begin almost immediately after payment
The 100% early-cancellation rule applies only if the Company has not received information connected to the current booking and no booking-specific urgent work has begun. A payment receipt or generic automated confirmation is neither service commencement nor booking information.
Urgent fulfilment begins when:
The Company receives information, documents, reports or test results connected to the current booking; reviews any of them; begins individualized assessment or preparation; or allocates professional work to the booking. After commencement and before delivery, the maximum is 50% unless a stricter late-cancellation rule applies; after final-file delivery, it is 0%.
Online appointments
The following rules apply only when the eligible early-cancellation rule within 24 hours of payment does not apply.
- 24 hours or more before: 50% of the service price is refundable.
- Under 24 hours or same day: Normally non-refundable.
- No-show: Normally non-refundable.
- After the meeting and before final-file delivery: The maximum service-price refund is 50%.
- After final-file delivery: The service-value refund is normally 0%.
Normal rescheduling
Rescheduling may be requested at least 72 hours before the confirmed appointment, subject to availability. This window governs appointment changes and does not alter the 24-hour online or 48-hour Dubai cancellation thresholds.
Exceptional circumstances
In a genuine emergency, the Company may, at its discretion, offer one complimentary rescheduling opportunity instead of forfeiting the appointment, subject to availability and timely communication. This is a goodwill accommodation, not an automatic contractual right.
Repeated rescheduling
It does not automatically qualify for another exceptional accommodation. Missing the replacement appointment or repeatedly changing it may trigger the applicable cancellation or no-show rule.
Once work on your case begins
How Service Progress Affects a Refund
We distinguish between a service for which the Company has received no information connected to the current booking and no work has begun, a service commenced by receipt of booking information or by work starting, and a completed service after final delivery. The delivery clock is separate and begins only once every required item has been received in a complete, clear and reviewable form.
A
No-meeting track
Consultations Delivered Through a File
100%
The service value is fully refundable before actual non-refundable external costs.
50%
If more than 24 hours have passed since payment, the Company has received no information connected to the current booking and work has not begun, 50% of the service value is refundable.
Maximum 50%
Once the Company receives information connected to the current booking, whether requested by the Company or provided voluntarily by the customer, or work on it begins, service fulfilment is considered commenced. While the final file remains undelivered, the maximum service-price refund is 50%.
0%
The service is complete and non-refundable, unless a refund is required by law or the Company did not provide the service as agreed.
B
After an online or in-person meeting
Meeting Completed, Personalized File in Progress
Maximum 50%
Once the meeting has taken place and before final-file delivery, the maximum service-price refund is 50%.
0%
The service is complete and non-refundable, unless a refund is required by law or the Company did not provide the service as agreed.
When does service fulfilment begin?
Receipt by the Company of any information, documents, reports or test results connected to the current booking constitutes commencement of work and service fulfilment upon receipt, whether the customer submits, resubmits or confirms them for that booking, and whether requested by the Company or provided voluntarily by the customer. Completion or delivery of the final file is not required for fulfilment to be considered commenced. The delivery period remains separate and begins only after every required item has been received in a complete, clear and reviewable form, as explained below.
- Receiving information, documents, reports or test results connected to the current booking
- Reviewing health information or history
- Reviewing medical reports or laboratory results
- Preparing case-specific follow-up questions
- Beginning individualized research or assessment
- Starting the tailored consultation or program file
Special terms before and after the meeting
Dubai Office Appointments
Pre-appointment rules reflect committed travel, accommodation, office arrangements and reserved in-person time. After the meeting takes place, final-file progress becomes the governing stage.
For a recent Dubai booking cancelled within 24 hours of payment, the service-progress stage and any booking-specific travel, accommodation, office or operational commitments are reviewed first, whether or not booking information has been received or work has begun. The booking and transaction require manual review to determine the eligible amount accurately, and that review takes precedence over the 48-hour table below.
hours before
The maximum service-price refund is 50%.
hours before
The cancellation charge is 50%; 50% remains refundable.
Same-day cancellation
The maximum service-price refund is 50%.
No-show
The maximum refund is 50%; 50% is retained for committed travel, accommodation and operational costs.
After the Dubai meetingFinal file not delivered50% Final file delivered0%
After the Dubai meeting and before final-file delivery, the maximum service-price refund is 50%.
The service is complete and non-refundable, unless a refund is required by law or the Company did not provide the service as agreed.
The no-show rule applies only before a meeting takes place and cannot override a completed-service or delivered-file state. If the Company cannot provide the service, the full-refund rule below applies.
Two stages, two different timeframes
When Will I Receive My Refund?
Our issuance time is not the same as the time funds appear in your account. This distinction sets a realistic expectation from approval through bank posting.
Refund initiated by the Company
48 hours
We initiate an approved refund within 48 hours after refund eligibility has been reviewed, the eligible amount determined and the refund approved.
Provider or bank posting
Approximately 5–14 business days
After we initiate the refund, it typically appears within approximately 5–14 business days. This is an estimate, not a guarantee, and some transactions may take longer depending on the provider, bank and original payment method.
When does the 48-hour window begin?
The 48-hour window begins after refund eligibility has been reviewed, the eligible amount determined and the refund approved; it does not begin with the first cancellation message.
Where is the refund sent?
Where legally and technically possible, the refund normally returns through the original route: card, Ziina, Tabby workflow or a verified bank account.
We cannot guarantee the date on which the funds will appear in your account after the refund has been issued, as subsequent banking and settlement processes operate outside the Company’s systems.
Domestic and international transfers
Bank Transfers & International Charges
A payment or refund may pass through several financial institutions. That can create a difference between the amount we issue and the net amount the receiving bank posts.
Charges outside our systems
What may apply?
Charges may come from the card issuer, customer bank, sending or receiving bank, SWIFT, intermediary or correspondent banks, currency conversion, FX differences, cross-border handling or other third-party banking services.
These charges may not be visible or predictable in advance. Even when the Company initiates the correct eligible refund, the customer’s bank may post a different net amount. The Company does not receive or control these charges, and they are not calculated as part of the service cancellation percentage.
OUR
The sender bears sending-bank and other-bank charges.
SHA
The sender bears its bank’s charges; the beneficiary bears other-bank charges. This is not necessarily a 50/50 split.
BEN
The beneficiary bears sending-bank and other-bank charges from the transferred amount.
Currency and foreign exchange
The home-currency amount may differ because of exchange-rate movement, issuer or bank conversion, or cross-border settlement, so it may not match the original statement entry.
Service VAT and provider charges
Service VAT remains separate from tax or charges a provider applies to its own costs. Amounts are reviewed from the invoice and actual provider record.
When the customer did not cause the cancellation
Company Cancellations, Errors & Disruptions
Delivery period and company-side inability
Programs and updates are prepared and delivered within 10 business days, except the Priority Consultation program, which is delivered within two business days. The applicable delivery period starts on the later of the meeting date, where the service includes a meeting, and the date on which the Company has received, in a complete, clear and reviewable form, all information, documents, reports and test results needed to prepare or complete the file, as shown by booking and communication records. For services without a meeting, the date on which all required items have been received in a complete, clear and reviewable form controls.
If, before or during file preparation, the Company requests additional information, documents, tests or examinations, clarification, correction or resubmission, the delivery-period calculation does not begin, or is paused if it has already begun, throughout the period from the request until the last requested item is received in a complete, clear and reviewable form. The entire period from a request for a test or examination until receipt of its complete result is also excluded, whether the wait relates to the customer, a laboratory, a clinician or another third party.
The file is not overdue, and inability to provide the service is not attributed to the Company, if any required item remains outstanding, if submitted material is incomplete, unclear or requires correction or resubmission, or if the full applicable delivery period has not elapsed after excluding the pauses described above.
If the Company cancels the service, or if review of booking, communication and transaction records establishes, after the applicable delivery period has elapsed as calculated above, that inability to provide the service is caused by the Company, the customer is offered either a full refund of the amount paid for the affected service or an alternative appointment or service accepted by the customer, in accordance with applicable UAE consumer-protection requirements.
The customer does not bear ordinary payment-processing losses caused solely by a Company-initiated cancellation. Independent posting times or downstream bank effects after issuance may remain outside the Company’s control.
Federal Law No. 15 of 2020 on Consumer Protectionopens in a new tab
Duplicate payment or clear error
A duplicate or incorrect amount is investigated and refunded once verified; it is not treated as an ordinary voluntary cancellation.
Events outside reasonable control
Rescheduling is offered first where possible for severe weather, government restrictions, major transport disruption or widespread technical outage. If no reasonable solution is possible, the outcome follows applicable law.
Discounted booking or partial refund
Percentages apply to the amount actually paid, not a higher list price, and total refunds cannot exceed the original transaction.
This policy operates subject to UAE consumer-protection law and any other mandatory rights. Nothing limits statutory remedies for a defective, incomplete or improperly provided service.
First-party sources only
Official References
Official authorities and provider pages are the current source for their pricing, timing and procedures, which may change over time.
- Federal Law No. 15 of 2020 on Consumer Protectionopens in a new tab
- Cabinet Decision No. 66 of 2023: Executive Regulationopens in a new tab
- Ziina — Is there a fee to issue a refund?opens in a new tab
- Ziina — Current fee scheduleopens in a new tab
- Ziina — Estimated customer refund timingopens in a new tab
- Stripe UAE — Pricingopens in a new tab
- Stripe — Refund documentationopens in a new tab
- Tabby Business — Refund from the Merchant Dashboardopens in a new tab
- Tabby — How and when will I receive my refund?opens in a new tab
- RAKBANK — Electronic transfers and OUR, SHA, BEN chargesopens in a new tab
- Wio Business — Schedule of Fees, May 2026opens in a new tab
Before submitting a request
Contact UsNeed clarification about your transaction?
Send only the booking reference and payment method through an official contact channel. Never send full card details, passwords or verification codes.