Refund and cancellation

Last updated: [date of publication]. Version: [version].

We want you to pay only for a plan that you want to keep. This page tells you how to cancel, when you get money back, and how payments work.

1. The plans

The price you see before you pay is the full price. We add no fee or tax at checkout.

2. How payment works

• You pay with UPI AutoPay.
• You approve the AutoPay mandate once, in your UPI app, for the fixed plan amount.
• Your bank or UPI app sends you an alert at least 24 hours before each debit, with our name, the amount and the date.
• You can withdraw the mandate at any time in your UPI app, or skip one debit from that alert. Withdrawing the mandate also stops your plan at the end of the paid month.
• The mandate costs you no fee.
• We also email you a renewal reminder [3] days before each renewal.
• We do not see or store your UPI PIN, your bank account number or your card number.

3. How to cancel

Cancel in one tap, at any time:

1. Open Settings > Subscription.
2. Tap Cancel.
3. On the one confirm screen, tap Cancel again. The "Cancel" and "Keep" buttons are the same size.

That is all. Cancelling never takes more steps than subscribing. We do not ask you to call us, write to us or answer a question. A reason question is optional.

After you cancel:

• Your plan stays on until the end of the month you paid for. We show you that date.
• No further debit is made.
• Your account, your chart and your free reading stay. To delete them too, use Settings > Delete your account.

You can also write to [support email] and ask us to cancel. We cancel within 1 working day and confirm by email.

4. Refunds

First payment: 7-day refund. If you are not happy with your first payment for a plan, ask for a refund within 7 days of that payment. We refund the full amount. You do not need to give a reason.

Later payments. After the first 7 days, a monthly payment is not refunded for the part of the month that is left, because the plan stays on until the end of that month.

We always refund:

• a debit made after you cancelled or withdrew the mandate;
• a debit made twice for the same month;
• a debit of a wrong amount;
• the unused part of a month, if we remove a paid feature or close the service.

How to ask for a refund: use Settings > Subscription > Request a refund [build], or write to [support email] from the email of your account.

When you get the money: we confirm within 2 working days, and we send the refund to the same UPI account or card within [7] working days. Your bank may take a few more days to show it.

5. Changes to the price or the plan

We tell you by email at least [30] days before a new price applies to you. If you do not agree, you can cancel before the new price starts. We never raise the amount of an existing mandate without your new approval in your UPI app.

6. Problems with a payment

Write to [support email]. If we do not fix it, write to our Grievance Officer: [name], [email], [address]. We acknowledge a complaint within 24 hours and resolve it within 15 days. See the Grievance Redressal Policy.

You can also contact your bank or UPI app about a debit, and the National Consumer Helpline at 1915 or https://consumerhelpline.gov.in.