Refund Policy

Last updated: 2026-05-28. This Policy remains under final review by our chartered accountant before Razorpay KYC submission; refunds will be honoured per the spirit of the rules below in the interim.

We want you to be confident when you order on Vedic Jyoti. This Refund Policy sets out, by category of purchase, when we offer a refund or cancellation, how to request one, and how long it takes. Read it together with our Terms of Service and Privacy Policy — by paying for any service or product on the Service you accept this Policy. Your statutory rights under the Consumer Protection Act, 2019 are preserved in full.

1. Principles we follow

• Cooling-off where the work has not started. If the work or delivery has not begun, we refund the order in full.
• Pro-rata after consumption. Where part of a service has been consumed (e.g. minutes used in an Acharya call, or a partial pooja completed), the consumed part is non-refundable; the unconsumed balance is handled under Section 5 (subscriptions) or Section 4 (wallet credits).
• Professional time already given cannot be returned. Once an Acharya has spent time on you, that time itself is not refundable — though Section 3 sets out the exceptions for platform faults and unsatisfactory conduct.
• Authentic worn items cannot be returned for hygiene reasons — but defective or misdescribed items always can.
• Refunds go to the original payment method via Razorpay, typically within 7–10 business days of approval, subject to your bank's processing time.

2. Personalised reports

This Section covers Brihat Kundli, Kundli Vedic Jyoti — Premium, Career, Marriage, Finance, Health, Varshphal, Child, Education and any other personalised written report listed on /reports.

• Cooling-off (cancel before generation): if you cancel within 15 minutes of payment and the report has not yet entered the rendering queue, we refund the full amount.
• Wrong birth details supplied: if you realise within 1 hour of payment that you entered an incorrect date / time / place, write to us — we will pause the rendering and accept a correction. Once the report has been generated against the data you provided, no refund is due for "incorrect inputs".
• After delivery: a personalised report is the output of computation, AI-assisted prose and (for Premium tiers) human review. Once delivered, it is non-refundable, unless an exception below applies.
• Exception — technical failure. If a report you paid for is not delivered, or arrives corrupt / blank, we will either re-render at no charge or refund in full, at your option.
• Exception — material factual error. If you can show that the report uses a birth detail other than what you submitted, we will re-render at no charge or, if a re-render is not possible, refund in full.

A free preview of the opening section is offered on the order page — you are encouraged to use it before paying.

3. Acharya consultations (chat and call)

Acharya sessions are billed in real time from your wallet (per-message for chat, per-minute for call). The Acharya's time is consumed as the session progresses.

• Time already consumed in a session is non-refundable.
• Session dropped due to a platform fault. If a session ends because of a clear platform fault (server outage, payment failure on our side, etc.) we automatically refund the time debited for that session. You do not need to ask.
• Session unsatisfactory. If you believe an Acharya did not deliver acceptably — abusive conduct, refusal to engage with your question, materially off-topic advice — please raise it within 48 hours at support@vedicjyoti.in. We will review the transcript and, at our discretion, refund the full session, refund the consumed minutes, credit your wallet, or escalate to our Grievance Officer.
• Wallet deduction without a session. If your wallet balance is reduced but no session took place (a system error), tell us within 24 hours; we will verify in the audit log and reverse the debit if confirmed.

4. Wallet top-ups

• Wallet credit purchased but not yet consumed is refundable on request within 30 days of the top-up.
• Wallet credit is non-transferable between accounts.
• Bonus / promotional credit (e.g. the signup-trial credit) is never refundable as it represents no cash you paid us.

5. Subscriptions

For the ₹199 Monthly plan and any other recurring plan we may offer:

• You can cancel at any time from your account. Your benefits continue until the end of the current billing cycle.
• We do not offer pro-rata refunds for a cycle already started — but you keep the benefits until the cycle ends.
• Accidental renewal. If you forgot to cancel and got auto-renewed, write to us within 48 hours of the renewal charge — we will refund the renewal in full provided the benefits have not been used during the renewed cycle (no new report generated, no chat session started under the renewed cycle).
• Failed-payment retries are limited; if your renewal cannot be charged the subscription pauses automatically and you keep existing benefits until the cycle ends.

6. Online poojas

• Cancellation before scheduling: full refund.
• Cancellation up to 24 hours before the agreed muhurat: full refund.
• Cancellation within 24 hours of the muhurat: refund of the materials portion only — the priest's time and reservation are non- refundable.
• After the pooja has been performed: non-refundable, because the priest's time and the materials have been consumed and cannot be returned.
• Cancellation by us. If we cancel a pooja (e.g. the assigned priest cannot perform at the agreed muhurat and no acceptable alternative slot can be arranged), we refund in full.

7. Shop — physical goods (gemstones, rudraksha, yantras)

Your statutory rights under the Consumer Protection Act, 2019 and the rules made under it are preserved in full. In addition:

• Defective, damaged or wrong item. Report within 7 days of delivery with photographs and the order ID. We arrange a free reverse pickup and either replace the item or refund in full.
• Authenticity dispute on a gemstone or rudraksha. Request within 7 days of delivery. We engage an independent third-party assayer; if the assayer confirms the item is not as described, we refund in full plus the assay fee.
• Used / opened gemstones and rudraksha. For hygiene and energetic reasons these are non-returnable once worn, unless the defect / authenticity exceptions above apply.
• Yantras and other goods in original sealed packaging. Returnable within 7 days of delivery for any reason, provided the seal is intact and no damage has been caused.
• Cash-on-Delivery is not offered. We ship only against prepaid orders.

8. Double payments and accidental duplicate orders

If you accidentally pay twice for the same order, write to us with both payment IDs — we will refund the duplicate within 5 business days, subject to Razorpay's reversal time.

9. How to request a refund

Email support@vedicjyoti.in from your registered email, with:

1. Your order or payment ID (the Razorpay reference is fine).
2. A brief reason and the resolution you are seeking.
3. Screenshots, transcripts or any other supporting context.

We will acknowledge within 48 hours and resolve within 15 days. Complex disputes get an interim status update at the 15-day mark and a final resolution within 30 days. If you remain dissatisfied, our Grievance Officer is your next step; for personal-data matters you may further escalate to the Data Protection Board of India (once notified by the Government).

10. Refund method and timing

• All refunds go back to the original payment method. We cannot refund to a different card, account or wallet.
• Bank credit time after we initiate the reversal is typically 7–10 business days; some banks / networks take longer. Where available we will share the refund ARN (Acquirer Reference Number) so you can trace the credit.
• We may withhold transaction-processing fees levied by the bank or gateway from a refund only where the refund is not on our account (for example, you changed your mind on a custom-rendered report after delivery and we accept the refund at our discretion). We do not deduct any fees where the refund is due to a defect, error or service failure on our side.

11. GST and invoices on refunds

Where a tax invoice with GST has been issued, we issue a corresponding credit note for the refunded amount; the input-tax credit / output tax reversal is handled per Indian GST law. We will email the credit note when the refund is approved.

12. Chargebacks

We strongly prefer to resolve disputes directly with you — it is faster and protects your future use of card payments. Please email support before initiating a chargeback. Chargebacks raised without prior contact may delay future orders while we verify; if a chargeback is later reversed in our favour, we will reactivate the account but reserve the right to recover legitimate costs.

13. Sale and promotional purchases

Items bought under a sale or with a promo code follow this Policy, but the refund amount is the price you actually paid, not the sticker or "MRP" price.

14. Account closure

If you close your account, any non-refundable balance (e.g. promotional credit, used wallet balance) is forfeited. Any refundable balance (e.g. unused paid top-up within the 30-day window in Section 4) is refunded to the original payment method.

15. Contact and escalation

• Refund requests: support@vedicjyoti.in
• Grievances: see the Grievance Officer page
• Consumer rights: the National Consumer Helpline (1915) and the Consumer Forum nearest to you under the Consumer Protection Act, 2019