Cancellation & Refund Policy

1. Introduction

This Cancellation and Refund Policy (the "Policy") governs every payment made to Jyothish SI at https://jyothish.si (the "Service"). It forms part of our Terms and Conditions. By completing a purchase you confirm that you have read this Policy and that you understand digital Vedic astrology products are supplied instantly in a form that cannot be returned.

Please review plan features, report descriptions, and sample content on the site before you pay. If anything is unclear, write to [email protected] before you purchase.

2. Why purchases cannot be refunded

Jyothish SI sells digital goods and services that are created, calculated, or unlocked the moment payment succeeds. They are personalised to the birth details, questions, and account you provide. Once access exists, the product cannot be "returned unused" in any meaningful sense.

• Birth charts, varga charts, dashas, transits, and yogas are computed from your data as soon as the chart is saved or regenerated.
• Reports (including Career, Marriage, Wealth, Health, Education, Property, Children, Travel, Spiritual, Yearly, Compatibility, Muhurta, Remedies, and Comprehensive Life reports) are generated as unique documents for that chart.
• Dashboard AI-powered insights and predictions are produced from the same chart and are consumed when displayed.
• Interactive AI Astrologer chat answers are generated per question and billed from wallet credit when a paid turn is taken.
• Membership and subscription payments unlock tools, report quotas, alerts, and other account privileges immediately.
• Wallet top-ups credit your balance immediately and do not expire; spent credit is a completed service.

Because these items are intangible, instantly delivered, and unique to you, Jyothish SI does not offer a cooling-off period, trial-after-payment, money-back guarantee, or prorated refund after purchase.

3. What is covered, no refund once purchased

The following are non-refundable in full and in part as soon as payment is successfully processed (including UPI, cards, net banking, wallets, PayPal, or any other method we accept):

4. Reasons that do not qualify for a refund

Without limiting section 3, refunds are not issued for:

• Change of mind, buyer's remorse, or deciding after payment that you wanted a different plan or a human astrologer
• Finding free or cheaper content elsewhere
• Not reading the product description, pricing page, or this Policy before paying
• Signing in with a different method (for example Google versus email) and seeing a second account, we will help you recover access; that is not a refund event
• Incorrect birth details you entered, after charts or reports have been generated
• Disagreement with astrological interpretations, timing windows, or career/relationship/finance indications
• A reading feeling too general, too technical, or not in your preferred style
• Failure to download a report, unused membership time, or unused wallet balance
• Device, browser, network, or UPI-app issues after the payment provider has captured the charge and we have granted access
• Duplicate accounts you created; we may merge access onto the login you use, without refunding the original purchase

5. Subscriptions and cancellation

If recurring billing is enabled on your account, you may cancel future renewals at any time from Billing in your account, or by emailing [email protected]. Cancellation stops the next charge. It does not refund the period already paid, and access continues until that paid period ends (or, for one-time plans, for as long as that plan remains on the account).

• Monthly or annual subscription fees already collected are non-refundable
• There is no 7-day money-back window and no prorated refund for unused days
• One-time (lifetime of that tier) plan purchases cannot be cancelled for a refund after payment

6. Billing corrections (not product refunds)

We do not refund a completed purchase. We will only correct a billing error in the following narrow cases:

To request a billing correction, email [email protected] within 48 hours with your registered email, payment reference (for example Razorpay or PayPal id), date, amount, and a short description. We will review the payment provider record and our account logs. A review is not a promise of reversal.

7. Chargebacks and payment disputes

Please contact us before opening a dispute with your bank, UPI app, card issuer, or PayPal. Filing a dispute for a delivered digital purchase that is non-refundable under this Policy may result in suspension of the account pending the outcome, and we may share delivery logs with the payment provider.

Unwarranted chargebacks may be contested. You remain responsible for the original purchase amount if the dispute is decided in our favour.

8. How we can still help

A closed refund does not mean we will not support you. Depending on the case, we may:

• Attach a paid plan to the login you actually use (for example after Google sign-in created a second account)
• Move charts and reports onto that login
• Credit a wallet top-up that the payment provider captured but our app had not yet applied
• Regenerate reports after you correct birth details, subject to the same membership
• Explain which product you bought (plan insights versus wallet AI chat versus a human Astrologer session)

Those steps are account support. They are not a refund, store credit, or cancellation of the original purchase.

9. Changes to this Policy

We may update this Policy from time to time. The version published at https://jyothish.si/refunds on the date of your payment is the version that applies to that payment. Continued use of the Service after an update constitutes acceptance of the revised Policy for later purchases.

10. Contact

Questions about this Policy or a billing correction request: