Fair remedies for digital purchases

1. When a refund is available

You may request a full refund in these circumstances:

• Unused cancellation: you contact us within seven calendar days of successful payment and have not used any AI allowance granted by that purchase or materially used the paid access;
• Duplicate charge: the same intended purchase was successfully charged more than once;
• Confirmed payment but no delivery: Cashfree shows a successful payment but the plan or usage allowance is not credited, and we cannot correct the problem within a reasonable time after you report it;
• Material service defect: the paid feature cannot be provided substantially as described and we cannot repair, replace or otherwise remedy it;
• where a refund is otherwise required by applicable law.

2. When a change-of-mind refund is not available

Except where law requires otherwise, a refund is not available merely because you changed your mind after consuming paid AI usage, receiving an AI answer or evaluation, using paid access materially, failing to use the service during the access period, or disliking an answer that was delivered as described.

GENIE AI output remains subject to the Educational and AI Disclaimer. A poor examination result or disagreement with formative feedback does not by itself establish a service defect.

3. Failed, pending and unauthorised transactions

• If your bank debits a failed payment, Cashfree or the banking network may automatically reverse it. These reversals are not merchant refunds.
• Do not retry repeatedly while an order is pending. Keep the order ID and check your bank statement.
• For a transaction you did not authorise, immediately contact your bank/payment provider and also notify us. We may suspend the related entitlement while the transaction is investigated.

4. How to request a refund

Email admin@upscgenie.com from the address linked to your UPSC Genie account. Include:

1. your registered email;
2. Cashfree order ID and payment date;
3. product and amount;
4. reason for the request; and
5. a screenshot or bank reference only if needed—hide unrelated financial information.

Never email a card number, CVV, UPI PIN, OTP, Google password or banking password.

5. Review and processing time

We aim to acknowledge a consumer complaint within 48 hours and decide a complete refund request promptly, normally within seven business days. Additional verification may be needed for fraud, duplicate-payment or bank-status disputes.

An approved refund is initiated to the original payment method through Cashfree. After initiation, typical outer timelines are up to five working days for UPI, seven working days for cards, and seven to ten working days for net banking or other methods, depending on the bank. We cannot redirect a refund to another account.

6. Cancellation and chargebacks

Because current purchases do not auto-renew, there is no recurring subscription to cancel. You may simply allow fixed-duration access to expire. If recurring billing is introduced later, it will require explicit consent and provide a cancellation route before the next charge.

Please contact us before filing a chargeback so we can investigate. Fraudulent or abusive chargebacks may lead to reversal of related points and account suspension, without limiting genuine consumer rights.