Refund & Cancellation.

Fair, plain-language rules for getting your money back. Disclosed up-front, as required by the E-Commerce Rules.

01The promise, in one line

If we charged you and you don't feel you got value, write to us within the window below and you'll get your money back. We will not stand between you and a fair refund.

02The Ask Gaargi pack

2.1 Unused packs

If you purchased a pack and asked no questions, you may request a refund within 48 hours of the charge, no questions asked. Since Hey Gaargi is priced at ₹30 — near our own payment-gateway cost — we deduct only the actual gateway processing fee (typically ₹1–2) from the refund; the rest is returned in full.

Once a primary question has been answered, the pack is treated as consumed — but the automatic credit-restoration rules below still apply to individual questions.

2.2 Automatic credit restoration

You should never lose a credit to a technical problem. Credits are restored automatically when:

• Answer generation fails — the credit returns to your balance immediately.
• Gaargi declines a question on safety grounds — no credit is consumed.
• You cancel before submitting — no credit is consumed.
• A duplicate accidental submission is detected — the duplicate credit is restored.
• Gaargi asks you a clarifying question (birthplace, birth time, event dates) — clarifications never consume credits.

2.3 No recurring charges

Every purchase is a one-time payment. There are no subscriptions, no auto-renewals, no mandates and nothing to cancel — so there are no renewal-refund scenarios. You are only ever charged when you confirm a purchase yourself, and you choose the amount via the +/− counter (in ₹30 steps, starting at ₹30 for one consultation).

03How to request a refund

1. Email billing@heygaargi.com from the address registered to your account.
2. Include your Order ID (visible under Profile → Payment history) and a one-line reason. We do not require lengthy explanations.
3. We acknowledge within 24 hours (Mon–Fri) and confirm the refund within 3 business days.
4. Refunds are issued to the original payment method. Processing time after we initiate the refund: typically 5–7 business days for cards/UPI, up to 10 business days for net-banking.

04No auto-renewal to cancel

Because Hey Gaargi has no subscriptions, there is no auto-renewal, no e-Mandate and no "Manage subscription" screen. Your bank will never show an active mandate for Hey Gaargi. If you ever see a recurring charge claiming to be from us, treat it as fraud and write to billing@heygaargi.com immediately.

05What is non-refundable

• Promotional credits, referral credits, and discount codes (these are not money in the first place — see the Referral Program Terms).
• Charges resulting from your account being terminated for breach of our Terms of Service.
• Bank-imposed fees, currency conversion charges, or GST already remitted to the Government (we refund the GST proportionally to whatever we refund).

06Failed and duplicate payments

If you were charged but your questions did not unlock, or were charged twice for the same pack, write to us and we will auto-resolve within 48 hours — we maintain payment-gateway logs and don't need you to prove anything.

07Chargebacks

We prefer that you write to us before raising a chargeback with your bank — we will almost always resolve faster and in your favour. Frivolous or fraudulent chargebacks (where the user clearly availed the service) may result in account suspension.

08Disputes

If you are unhappy with the resolution offered by our billing team, escalate to our Grievance Officer. As a final resort, you may file a complaint on the National Consumer Helpline at consumerhelpline.gov.in or under the Consumer Protection Act, 2019.