Refund & Cancellation Policy

1. The short version

Reports and answers are digital products delivered immediately, so they are generally non-refundable once generated. If something went wrong, we make it right. You can ask for a refund within 48 hours of any purchase, and we refund in full when the product failed to deliver, was materially different from what was described, or a technical fault on our side spoiled it.

2. Reports (₹149) and couple deep dives (₹499)

Once a report has been generated and delivered, it cannot be "returned", but within 48 hours of purchase you may ask for a full refund if: the report failed to generate; details you entered were correct and the report came back wrong or empty; or the report is materially different from its description. Changing your mind after reading the report is not a refund reason, since the product has been fully consumed.

3. Paid answers (₹399)

If an answer is never delivered, or a technical error prevents it, you receive a full refund automatically. You should rarely need to ask. If an answer is delivered but is materially incomplete because of a fault on our side, ask within 48 hours for a full refund or a corrected answer.

4. Season Pass (₹899) and Plus (₹999/year)

You may cancel a pass within 48 hours of purchase for a full refund, provided no paid report or answer has been used with it. After that, passes are non-refundable for the remainder of the period; you can stop renewal at any time and will not be charged again. Renewal is opt-in, we do not auto-charge without your action.

5. Live-chat minutes

Unused minutes never expire, so there is nothing to refund for simply not using them. Minutes already used at the standard per-minute rate are not refundable. If a session fails because of a technical fault on our side (dropped connection, tool error, assistant outage), the used minutes are credited back to your balance automatically. You do not need to request this.

6. Duplicate or incorrect charges

If you were charged twice, or charged for something you did not buy, tell us and we refund in full. These refunds need no time window.

7. How to ask for a refund

Write to support@kismatastro.com with your purchase reference (or the email/UPI you paid from), what you bought, and what went wrong. We acknowledge within 48 hours and decide within 7 working days. Approved refunds go back to the original payment method; UPI refunds typically appear within 5 to 7 working days, depending on your bank.

8. Chargebacks

Please contact us before raising a bank dispute, nearly everything can be resolved faster by email. Where a chargeback is filed for a delivered product, we will provide the delivery and usage records to the payment partner.

9. Consumer rights

Nothing in this policy limits any mandatory right you have under Indian consumer law. This policy is additional to, and does not replace, those rights.

10. Grievance officer

Grievance officer: [Name], support@kismatastro.com, [Phone]. Complaints are acknowledged within 48 hours and resolved within one month, as required by the Consumer Protection (E-Commerce) Rules, 2020.