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Refund and Cancellation Policy

This Refund and Cancellation Policy ("Policy") governs refunds, cancellations, wallet credits, and payment-related matters for services offered through karmyogjyotish.in, a platform owned and operated by Karmyog Advisers OPC Private Limited ("Karmyog Advisers", "Company", "We", "Us", or "Our"). By purchasing or using any paid service available on the Platform, you acknowledge and agree to this Policy.

Nature of Services

Karmyog Advisers provides digital services including AI-powered astrology chat, AI-generated astrological guidance, automated Kundli generation, astrology reports, subscriptions, and other digital astrology-related services. Since these services are digital in nature and are delivered immediately or substantially upon purchase, refunds and cancellations are subject to the conditions specified herein.

Cancellation Policy

Users may cancel a service only before service delivery commences. A service shall be deemed to have commenced upon the occurrence of any of the following events:

  • An AI astrology chat session is initiated.
  • An astrology report generation process begins.
  • A Kundli report generation process begins.
  • A subscription is activated.
  • Wallet credits are consumed towards any service.

Once service delivery has commenced, cancellation requests shall not be accepted.

Refund Eligibility

Refunds may be considered only under the following circumstances:

  • A technical error attributable to the Platform prevents delivery of the purchased service.
  • A payment is successfully debited more than once for the same transaction.
  • An incorrect debit occurs due to a system malfunction.
  • A purchased service is not delivered within a reasonable period due to a fault attributable solely to the Platform.
  • A transaction fails but the user's account is debited and the service is not delivered.

All refund requests are subject to verification and approval by Karmyog Advisers.

Non-Refundable Situations

Refunds shall not be granted in any of the following situations:

  • The AI chat session has commenced.
  • An astrology report has been generated.
  • A Kundli report has been generated.
  • The user is dissatisfied with predictions, interpretations, or guidance.
  • The user disagrees with the generated astrological analysis.
  • Incorrect birth details or other inaccurate information were provided by the user.
  • The user changes their mind after purchasing a service.
  • The service has been substantially delivered.
  • Promotional credits, bonus credits, or complimentary wallet credits have been used or expired.
  • Subscription validity has commenced.

Astrological guidance is interpretative in nature and no refund shall be granted on grounds of perceived inaccuracy, disagreement with results, or failure of any prediction to materialize.

Wallet Credits

Wallet credits purchased through the Karmyog Wallet are intended solely for availing services on the Platform. Wallet credits:

  • Have no cash value;
  • Cannot be exchanged for cash;
  • Cannot be transferred to another user;
  • Cannot be withdrawn to a bank account.

Unused wallet credits shall be governed by the applicable Wallet Expiry Policy and Pricing Policy.

Refund Request Procedure

To request a refund, users must submit a written request to:
Email: Karmyogjyotish@gmail.com

The refund request should include:

  • Registered mobile number or email address;
  • Transaction ID or payment reference number;
  • Date of transaction;
  • Description of the issue;
  • Supporting evidence, if available.

Refund requests must be submitted within 24 hours of the relevant transaction or occurrence giving rise to the claim. Requests submitted after this period may be rejected.

Refund Processing

Approved refunds shall generally be processed within 10 business days from the date of approval. Refunds may be credited through one of the following methods:

  • Original payment method;
  • Karmyog Wallet credits;
  • Any other method deemed appropriate by the Company.

The mode of refund shall be determined by Karmyog Advisers at its sole discretion, subject to applicable law.

Chargebacks and Payment Disputes

Users are encouraged to contact Karmyog Advisers before initiating chargebacks, payment reversals, or disputes with banks, card issuers, payment gateways, or other financial institutions. Where a user initiates an unwarranted chargeback despite successful delivery of services, Karmyog Advisers reserves the right to suspend the user's account, restrict wallet access, recover the disputed amount, and take any other action permitted by law.

Fraud Prevention

Karmyog Advisers reserves the right to refuse refunds, suspend accounts, reverse credits, or cancel transactions where it reasonably suspects fraud, abuse, misuse of promotional benefits, unauthorized activity, or violation of Platform policies.

Limitation

The decision of Karmyog Advisers regarding eligibility for refunds, cancellation requests, wallet adjustments, or payment disputes shall be final, subject to applicable consumer protection laws.

Contact Information

For refund-related queries, users may contact:
Karmyog Advisers OPC Private Limited
Pitha Ram Ji Bagh, Chainpura, Mandore, Jodhpur – 342304, Rajasthan, India
Website: karmyogjyotish.in
Email: Karmyogjyotish@gmail.com

By using the Platform and purchasing any service, you acknowledge that you have read, understood, and agreed to this Refund and Cancellation Policy.