Refund & Cancellation Policy
Last updated: 14 May 2026
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This Refund & Cancellation Policy (“Policy”) applies to paid features offered by Cosmo Tara Private Limited through the Tara Services, including wallet top-ups, session-based charges, and any subscriptions or digital add-ons we may sell. It supplements our Terms of Service. If there is a conflict, this Policy governs payment outcomes and the Terms govern everything else.
1. Digital, personalized, and consumed services
Many Tara features deliver instantly or personalize outputs using your inputs and compute time. Except where the law requires otherwise, all fees are non-refundable once the purchased capability is delivered or fairly started. Dissatisfaction with an astrological interpretation, model tone, or subjective quality—without a qualifying technical failure—does not by itself establish a refund entitlement.
2. Wallet top-ups and consumption
- Wallet credits represent prepaid balances usable inside the Services as described at purchase.
- Wallet balances may be debited per minute, per message, or per other disclosed unit while features run.
- Wallet top-ups are generally non-refundable after successful credit to your account, because the value can be consumed immediately and is commingled with platform costs.
- Where law mandates cash refunds for unused prepaid balances in your jurisdiction, we will comply after verification.
3. Subscriptions
3.1. Cancellation
If we offer subscriptions, you may cancel renewal in the account or billing surface we provide. Cancellation stops future billing; it does not automatically refund the current period unless required by law or expressly stated at purchase.
3.2. Trials
If we offer a free trial, cancel before the trial ends to avoid charges where the paywall is configured that way. After conversion to a paid plan, normal subscription rules apply.
4. Chargebacks and payment disputes
Please contact [email protected] before initiating a chargeback. Chargebacks may lead to suspension of accounts and reversal of fraudulently obtained credits. We will provide good-faith evidence to processors where appropriate.
5. Technical failures and duplicate charges
If a technical error on our side prevents access to a feature you paid for, or if you were charged twice for the same transaction, contact us with details. After reasonable verification, we may restore access, re-issue credits, or refund the affected amount to the original payment instrument or wallet, at our discretion. Claims should generally be raised within seven (7) days of the charge; older claims may be harder to verify with payment partners.
6. Promotional credits and goodwill
Promotional or referral credits, loyalty bonuses, or discretionary goodwill balances are not cash equivalents unless we explicitly say otherwise. They may expire or be voided if obtained through abuse.
7. How to request help
Email [email protected] with:
- Your registered phone or email and user identifier if known;
- Date, amount, and currency of the transaction;
- Receipt or Razorpay payment ID if available;
- A short description of the issue (for example “charged twice”, “session stuck at connecting”).
We aim to acknowledge within a few business days; resolution timelines depend on processor and bank networks.
8. Changes
We may update this Policy. The “last updated” date will change and, where material, we will provide additional notice as required by law.