Refund & Cancellation Policy

1. The short version

Refunds are made to the original payment method through Razorpay and normally reach you within 5–7 business days of approval.

2. One-time export credits (pay-as-you-go)

Export credits are a consumable, one-time purchase. One credit lets you process one chat export and download the generated report. Buying credits does not create a subscription and nothing recurs — you buy more only when you want to.

Unused credits — refundable within 7 days

If you have bought credits and not used them, you can ask for a full refund of the unused balance within 7 calendar days of the purchase date. No reason needed. We refund the pro-rata value of the unused credits at the price you actually paid for them, including any discount that applied to the pack.

Example: you buy a 20-credit pack for ₹1,599 and use 4 credits. Within the 7-day window you would be refunded the value of the 16 unused credits at your effective per-credit rate (₹79.95 × 16 = ₹1,279.20), not the undiscounted list price.

Consumed credits — not refundable

A credit is consumed at the moment ThreadClarity finishes processing your upload and makes the export available for download. Consumed credits are not refundable, because the processing has already been performed and the compute already spent. This is true whether or not you liked the result, and whether or not you downloaded the file.

A credit is not consumed, and is returned to your balance automatically, if the job fails on our side, times out, or produces no output. If that does not happen automatically, tell us and we will restore it manually.

Credit expiry

Credits are valid for 12 months from the date of purchase. We will email you before they lapse. Expired credits are not refundable, but if they expired because of something on our side, write to us and we will reinstate them.

3. Retention plan (recurring subscription)

The retention plan is a separate, optional, recurring subscription. It keeps your processed reports hosted, stored and searchable in your account instead of them being deleted on the standard 7-day schedule described in our Privacy Policy. It does not include export credits — processing an export still costs a credit.

How to cancel

Cancel from Account → Billing → Cancel retention plan in the app, or email support@kamyab.co.in from your registered address. There is no cancellation fee, no notice period, and no requirement to talk to anyone first.

What cancelling does

• Future billing stops immediately. Razorpay will not charge you again for that plan. If you are charged after a confirmed cancellation, we refund it in full.
• Access continues to the end of the period you already paid for. Cancel on day 3 of a monthly period and your reports stay hosted and searchable until day 30. You are not cut off the moment you cancel.
• No pro-rata refund for the remainder of the current period, because you keep the service for all of it. The two exceptions are the first-subscription window and the unintended-renewal window below.
• Your credits are unaffected. Cancelling a retention plan does not cancel or expire export credits you have bought.

First subscription — 7-day refund

If this is the first time you have subscribed to a retention plan and it does not suit you, cancel within 7 calendar days of the first charge for a full refund of that charge. This applies once per account.

Renewal you did not intend — 5-day refund

If a plan renews and you had meant to cancel, contact us within 5 calendar days of the renewal charge. If you have not used the hosted reports in that new period, we will cancel and refund the renewal in full. We would rather do that than have you dispute the charge with your bank.

Annual plans

Annual retention plans follow the same rules, with a 14-day first-subscription window instead of 7. After that window, an annual plan can be cancelled at any time to stop the next renewal, with access continuing to the end of the paid year and no pro-rata refund.

4. What happens to stored reports after cancellation

Cancelling removes the reason we were holding your reports beyond the standard window, so they are eventually deleted. We do not do that abruptly.

Resubscribing at any point during the grace period restores full access immediately, with nothing lost. If you delete your account outright rather than cancelling, deletion is immediate and there is no grace period.

The same applies if your plan lapses because a payment failed: we will retry and email you, and the grace period starts from the end of the last period you successfully paid for.

5. Service failures & duplicate charges

We refund in full, regardless of the windows above, where:

• you were charged twice for the same thing, or charged for a plan you never subscribed to;
• a job failed on our side and the credit was not automatically returned;
• a prolonged outage on our side meant you could not use the retention plan you were paying for — in that case we refund pro-rata for the affected days, or extend the plan by the same period, whichever you prefer;
• we withdraw a feature that was material to why you subscribed, and you cancel within 30 days of the change.

6. When we will not refund

• Credits already consumed by a successfully generated export.
• Dissatisfaction with how thread detection grouped your messages, or with the quality of AI output. Thread detection is an algorithmic inference and AI output comes from a third-party model on your own key — see section 9 of the Terms. Please try a single credit first if this is a concern.
• Charges you incurred with your own AI provider. Those are billed by them, not us, and we cannot refund them.
• Accounts terminated for a breach of acceptable use — no refund of credits or plan fees.
• A source export that was corrupt, truncated or in an unsupported format, where we processed what we were given. Contact support first; if the format genuinely should have worked, we will fix it or refund it.
• Requests made outside the applicable window, unless section 5 applies.

GST already remitted to the government is refunded along with the principal amount where the underlying transaction is refunded in full.

7. How to request a refund

Email support@kamyab.co.in from the address registered on your account, with:

• subject line "Refund request";
• your Razorpay payment ID or order ID (it is on your invoice and in the payment confirmation email);
• the date and amount of the charge;
• what you are asking for — unused credits, a first-subscription refund, an unintended renewal — and a one-line reason.

We acknowledge within 2 business days and decide within 7 business days. If we decline, we will tell you why and point to the clause we relied on. If you disagree, escalate to the Grievance Officer on the contact page.

8. Processing time

• Approval: within 7 business days of a complete request.
• Initiation: we initiate the refund with Razorpay within 2 business days of approving it.
• Credit to you: normally 5–7 business days after initiation for UPI, netbanking and Indian cards. International cards can take up to 14 business days. The final leg is controlled by your bank or card issuer, not by us or Razorpay.

Refunds always go back to the original payment method. We cannot redirect a refund to a different card, account or UPI ID. If the original method is closed, your bank will normally still route it to the linked account; if it bounces, contact us and we will arrange an alternative with proof of identity.

9. Chargebacks

Please talk to us before raising a chargeback or payment dispute with your bank. Almost every case in this policy is resolved faster by email than by a dispute, which can take 60–90 days and may lock the account while it is investigated.

We may suspend an account with an open chargeback until the dispute is resolved, and we reserve the right to recover the dispute fee levied on us where the chargeback was raised for something this policy would have refunded anyway.

10. Contact

Related documents: Terms of Service · Privacy Policy · Pricing.