Refund/Cancellation Policy

Scope of This Policy

This policy applies to wallet recharges, subscriptions, AI chat usage, generated astrology reports, kundali matching, numerology, horoscope, and other paid digital services offered by Maharajtalk.

Refund Eligibility

Refunds may be considered for failed payments, duplicate charges, wallet recharge errors, payment gateway confirmation issues, subscription access issues, incorrect debit without service credit, or paid services that were not delivered due to a verified technical or billing error.

• Duplicate successful payment for the same order or wallet recharge.
• Amount debited by bank/UPI/card but not credited to wallet or subscription after gateway confirmation.
• Paid report, chat credit, or subscription access not delivered because of a verified platform-side technical issue.
• Wrong amount charged because of a verified billing or gateway error.

Refund Request Window

Users should raise refund or billing complaints as soon as possible. For wrong charge, duplicate payment, or payment success without service credit, raise the request within 24 hours where possible. For incorrect birth details in a report order, contact support within 1 hour of payment and before the report is generated or delivered. Requests made after service delivery, report generation, or significant delay may be rejected unless required by law or verified as a platform-side error.

Non-Refundable Usage

Completed chat sessions, generated reports, downloaded/read reports, consumed wallet balance, used subscription benefits, and fulfilled digital services are generally non-refundable unless there is a verified technical or billing error.

No Refund for Prediction Accuracy

Astrology, AI guidance, kundali, horoscope, numerology, matching, remedies, and spiritual guidance are interpretive services. No refund is provided only because a prediction, compatibility score, remedy, answer, or consultation does not match user expectations, preferred outcome, future event, or personal belief.

Incorrect Details or User Error

Refunds are generally not available when incorrect birth details, wrong contact details, wrong service selection, duplicate accounts, or other user-side mistakes cause an inaccurate report, failed contact, or unwanted purchase.

Cancellation

Users may stop using paid services at any time. Subscription cancellation requests should be raised before the next billing cycle where applicable. Cancellation stops future access or renewal where supported, but it does not automatically refund already consumed wallet balance, generated reports, completed chat sessions, or fulfilled digital services.

Scheduled Consultation No-Show

If a scheduled chat, call, or consultation slot is offered, users should join at the scheduled time. If the user does not join within the applicable waiting period, disconnects, gives unreachable contact details, or misses the session for user-side reasons, the session may be treated as completed or consumed. A one-time reschedule or service credit may be offered at Maharajtalk's discretion where the issue is genuine and reported promptly.

Subscriptions and Auto-Renewals

If a subscription or recurring payment is enabled, the user is responsible for cancelling before renewal through the app, store, payment method, or support channel where applicable. Renewal payments already processed are reviewed under this policy and payment gateway rules.

Refund Timeline

Approved refunds are processed to the original payment method or wallet, depending on the transaction type and payment gateway status. Bank, card, UPI, Razorpay, or payment-provider settlement may take 5-7 working days after approval, and in some bank cases may take longer. Refunds (if approved) will be processed and credited to the original payment method within 5-7 working days.

Double Payment and Failed Payment

If a user makes two successful payments for the same order or recharge by mistake, one eligible duplicate payment may be refunded after payment-gateway and internal verification. If the bank account is debited but the payment is not confirmed by the gateway, users should wait for gateway status confirmation or bank reversal before retrying where possible, and should contact support with payment proof.

Service Disruption

If a paid session, report, wallet credit, or subscription benefit cannot be delivered because of a verified Maharajtalk-side outage or technical failure, we may provide a refund, re-credit, reschedule, or equivalent service credit after reviewing logs and payment records.

Wallet, Bonus Credits, and Service Credits

Refunds may be issued to the original payment source or to Maharajtalk wallet/service credits depending on transaction type, payment status, offer terms, and applicable law. Bonus credits, promotional credits, referral credits, free minutes, coupons, goodwill credits, or expired credits are generally not refundable, withdrawable, transferable, or redeemable for cash. Credit validity, if any, will be shown in the applicable offer or account area.

Gateway and Transaction Charges

Where permitted by law and payment gateway rules, transaction charges, taxes, or third-party fees may be deducted from a refund unless the refund is for a duplicate payment or a verified platform-side billing error.

How to Raise a Request

Contact RVcore Technologies at [email protected] within 24 hours of noticing the issue where possible. Include your registered phone number or email, payment date, amount, Razorpay payment ID or order ID, screenshot if available, service name, and the reason for the refund or cancellation request.

Review and Decision

Refund and cancellation requests are reviewed against service logs, payment gateway records, wallet usage, subscription status, and support evidence. Maharajtalk may approve, reject, or ask for more information before processing a request.

Chargebacks, Fraud, and Abuse

If we detect payment abuse, refund abuse, duplicate claims, chargeback misuse, fraud, unauthorized access, or policy violations, we may reject the request, suspend services, preserve relevant records, or share necessary information with the payment gateway, bank, regulator, or law-enforcement authority where required.

Contact

For billing complaints, failed payments, refund status, cancellation help, or invoice support, contact RVcore Technologies at [email protected] with your registered phone/email, payment ID, amount, date, service name, screenshot if available, and issue details. We aim to review support requests within 24-48 working hours. For privacy or account deletion, contact [email protected].