Refund & Cancellation Policy

This page covers every refund on Karmgyan: consultations, reports, credits and wallet, shop orders, and purchases made through Google Play or the App Store. Everything on Karmgyan is a one-time payment; nothing is ever charged again on its own.

1. Consultations (chat, call and video)

When you book a session, an astrologer sets that time aside for you and prepares your chart. So if you can't make it, a booked session is moved, not cancelled for a refund — and moving it is free.

• You can't make it: reschedule from your booking, free, up to 4 hours before the start time. Your payment carries over.
• You can move a session up to 10 times. After that, or if none of the offered times work for you, write to us and we will sort it out. We will not leave you stuck with a session you cannot use.
• You don't join: no refund. The session counts as held.
• A session that doesn't happen — the astrologer declines your request, doesn't answer within 120 seconds, accepts but never joins, or cancels; or you cancel a paid call while it is still ringing: everything you paid, GST included, goes to your Karmgyan credits straight away. Credits never expire and are used automatically on your next consultation.
• Rather have the money back? Unspent credit from a session can go back to your original payment method at any time: one tap on your Credits page, the full amount, GST included.
• The call drops for a reason that isn't yours — the astrologer's connection, or a fault on our side: if you lose 2 minutes or more, those minutes come back as credits, in proportion to what you paid.
• The astrologer ends the session early: if 2 minutes or more are left, they come back as credits, in proportion to what you paid.
• If your own connection drops, join again: the session keeps running to its booked end, and those minutes are not credited.
• A verified fault on our side stops the session: a full refund, or a free rebooking if you prefer.
• If you join late, the session still ends at its booked time. The minutes you missed are not refunded.

2. Reports

Reports — kundli, matching, varshaphal, numerology reports and printouts — are made for you from the details you enter. Once a report is delivered it cannot be refunded, like other digital goods made to order.

• If a report cannot be made because of an error on our side, and we cannot deliver it within 7 days of your payment, you get a full refund.
• A wrong birth date, time or place entered by you is not a reason for a refund. But if you tell us within 24 hours of delivery, we will make the report again once with the corrected details, free.

3. The Janma Grantha premium report

• The Janma Grantha is bought once for one chart, and stays unlocked for that chart in your account.
• If we cannot deliver it within 7 days of your payment, you get a full refund.
• Once delivered, it is not refundable, like other personalised reports. If you entered the wrong birth details, tell us within 24 hours of delivery and we will unlock it once for the corrected details, free.

4. Credits, wallet and other one-time purchases

Ask AI credits, prediction credits and numerology wallet top-ups are added to your account as soon as your payment succeeds. They never expire.

• Once added, bought credits and top-ups are not refundable.
• Except: if you were charged twice, were charged but nothing was added, or an error on our side stopped you from using them, you get a full refund to your original payment method.
• A numerology unlimited pass runs for 24 hours from purchase. It cannot be paused, and once it has started it is not refundable, except for the errors above.
• Credits and wallet balance cannot be exchanged for cash or moved to another account. The one exception: Karmgyan credits from a consultation can go back to the payment method you used, as section 1 says.

5. Shop orders

• Physical items can be returned within the return window shown on the product page — 7 days from delivery unless the page says otherwise. Some items cannot be returned.
• The full rules — what can't be returned, how to send an item back and who pays return shipping — are on our Shipping & Returns page.
• Once the seller receives a returned item and checks it, the refund goes to your original payment method.
• If the seller cannot fulfil your order and cancels it, you get a full refund to your original payment method.

6. Purchases through Google Play or the App Store

• If you paid inside our app through Google Play or the Apple App Store, the store makes any refund, under its own rules. Ask it from your Play Store or App Store account; we cannot refund a store payment ourselves.
• If the store refunds you, we take back what that purchase added to your account.
• A consultation paid through Google Play follows the rules in section 1. When money goes back to you for it, it goes back through Google Play.
• Credits bought in an app never expire.

7. How and when a refund reaches you

• A refund goes back to the payment method you used, for the full amount you paid for what is refunded, GST included.
• After we send it, a refund usually shows within 5–10 business days for UPI and cards, and 7–14 business days for net-banking and cards issued outside India. The exact time depends on your bank.
• If you don't see it by then, contact your bank with the refund reference we sent you, or write to us and we will help.

8. How to move a session or ask for a refund

To move a consultation, open your booking and choose a new time. You don't need to write to us.

For a refund in any case above — or if none of the offered times work for you — email refunds@karmgyan.com with:

• Your registered email or phone number
• Your order ID or booking ID
• What happened, with any screenshots

We reply within 24 hours.

9. Coupons and offers

When we run coupons or offers, a refund on an order that used one is the amount you actually paid. The discount itself is not paid out in cash.

10. Disputed charges

If you think you were charged by mistake, or for something you did not authorise, write to refunds@karmgyan.com first. We aim to resolve it within 7 business days. If it is not resolved, you can go to our Grievance Officer.

11. Changes to this policy

We may update this policy. For a material change we will tell you by email or in the app at least 7 days before it takes effect. The date at the top shows the latest version.