1. What this covers
Everything paid for on gstiwari.com: money added to the wallet, and the replies of the AI assistants and the written reports charged from it. Payments are processed by Razorpay.
2. In short
| A reply from an assistant | Charged after it is complete. A reply that fails is not charged. A delivered reply is not refundable, except as in section 3. |
|---|---|
| A written report | Charged once when you order. If it cannot be prepared, its price is returned to your wallet automatically. A delivered report is not refundable, except as in section 3. |
| Stopping | There is nothing to cancel: no subscription, no renewal. Stop a chat at any moment and nothing more is charged. |
| Money in the wallet | Not refundable once credited, except as in section 4. |
3. Replies and written reports
- You see the cost of each reply as soon as it is complete, and the chat's total at all times. You can set a limit at which the chat pauses.
- If a reply was charged but arrived empty, cut short or unreadable through a fault of the site, write to us within 7 days with the date and the assistant. Where the fault is ours, its cost is returned to your wallet. The same applies to a written report that was charged but is empty, cut short or unreadable.
- An answer being wrong, or your disagreeing with it, is not by itself a ground for a refund: the assistants are AI and can be mistaken, as the Terms say. For Jyotish, an event not happening as a reading suggested is not a ground for a refund.
4. Money in the wallet
Wallet money is meant to be spent on this site. Once credited it is not transferable and cannot be withdrawn as cash. We do refund in these cases:
- A payment was taken but the wallet was not credited: the wallet is normally credited within a few minutes. If it has not been after 24 hours, write to us with the payment reference; we credit the wallet or refund the payment.
- The same payment was charged twice: the extra payment is refunded.
- Where the law requires a refund.
5. How to ask
Email support@gstiwari.com with the subject "Refund request", the email address of your account, the date, the Razorpay payment reference (for a payment problem) and what went wrong.
We reply within 2 working days. An approved refund is made within 5 to 7 working days: to your wallet for a faulty reply, and to the original payment method through Razorpay for a payment problem. Your bank may take a few more days to show it.
6. If we cannot agree
Write to the Grievance Officer.