Section 01
The short version
14 days on the first paid term, no questions asked. Paid plan or Practitioner plan, monthly or annual — if you change your mind within 14 days of the first charge, email [email protected] and we will refund. No retention call, no exit survey.
Section 02
What's covered
Paid plan first monthly term: 14 days from first charge. Paid plan first annual term: 14 days. Practitioner plan first monthly: 14 days. Practitioner plan first annual: 14 days. "First term" means the first time you subscribe to that tier; the window does not reset on resubscription.
Section 03
What's not covered
Subscription renewals beyond the first term (cancel before renewal instead). Mid-cycle cancellations beyond the 14-day window (cancellation takes effect at next renewal; no partial refund). Free-tier accounts (nothing to refund). Enterprise contracts (governed by their specific terms).
Section 04
How to request a refund
Email [email protected] from your account email. Subject: "Refund request — [your account email]". Include the charge date and amount if you have them; we can look them up otherwise. We acknowledge within a few hours; refund approved within 1 business day; funds appear in 5–10 business days. No retention flow, no screenshot required.
Section 05
How the refund is processed
Refunds go to the original payment method. Stripe cards: 5–10 business days. Razorpay UPI/NetBanking/Wallet: 5–7 business days. PayPal: into the PayPal account. We refund the gross amount including any tax (GST, VAT) you paid.
Section 06
What happens to your account
Subscription cancelled immediately. Account reverts to Free tier (your login still works). Saved charts remain visible. PDFs already downloaded remain yours forever — we do not revoke them. New PDF downloads disabled until you re-subscribe. Share-links continue to run out their 30-day windows. Forecasts (Dasha, Sade Sati, Varshphal, Transits) are gated behind Paid.
Section 07
Account deletion vs refund
A refund reverts your account to Free. A deletion removes it entirely. To delete along with refund, say so in your email. We process the refund, export your data as JSON/CSV within 24 hours, and permanently delete the account within 30 days (subject to 7-year tax retention for payment metadata).
Section 08
Refunds outside the 14-day window
Engine bug that affected your chart: we will reissue the PDF and offer a goodwill refund of the most recent month. Unauthorised charge: investigated within 2 business days and refunded if confirmed. Service unavailability: service credit for sustained downtime. Disagreement with reading content, setting mismatch with another source, time-of-birth uncertainty, or change of mind beyond 14 days are NOT covered.
Section 09
Chargebacks
We strongly prefer email to chargebacks. A chargeback triggers processor fees, weeks of arbitration, and can lock your account during dispute. If you have already initiated one, email us anyway — we can often resolve and have the chargeback withdrawn faster than the bank timeline.
Section 10
Consumer-rights overlay
This policy operates in addition to statutory rights. EU/EEA: 14-day right of withdrawal for digital services. UK: Consumer Contracts Regulations 2013. India: Consumer Protection Act 2019. Where statutory rights provide stronger protections, those apply.
Section 11
Practitioner-tier notes
Same 14-day window. Two extras: 30 days from refund to export your client book to CSV before records are deleted. API keys are revoked at the refund date — read the API docs before subscribing if you plan production integrations.
Section 12
Disputes
If we disagree about whether a refund is owed: email support@; ask for a supervisor if needed; standard dispute path in Terms §16 applies. We have never let a refund dispute go to court.
Section 13
Changes
Material changes (window length, eligibility, processing) require 30 days' advance notice to active subscribers. Subscriptions started before the change remain under the prior policy.
Questions or feedback about this document? Email [email protected] for general inquiries, or [email protected] for legal matters.