Refund & Cancellation Policy

1. At a glance

Situation	Our policy
You bought Pro and want a refund within 7 days	Full refund, no questions.
You bought Pro, used it for more than 7 days	Pro-rata refund only if service was materially broken (credit tier quota, prolonged outage). Cancellation at period end always available.
You bought a Booster Pack you haven't used	Full refund within 14 days.
You bought a Booster and used some of it	Pro-rata refund within 14 days if you used less than half.
You bought Family Caregiver	Same as Pro (7-day full refund).
BYOK calls charged you via the AI provider	We can't refund those — that money went to OpenAI/Anthropic/Google directly. Contact them.
The platform was down and you paid for a period you couldn't use	Pro-rata credit or refund, automatic on request.
Fraudulent charge on your card	Contact `refunds@` and your bank / card issuer. We cooperate fully.

Refund turn-around: initiated within 5 working days of approval, credited by the payment provider per their timeline (typically 5–10 additional working days).

2. Subscription cancellation

2.1 How to cancel

In-app: Settings → Account → Cancel Subscription.
By email: billing@ on the TLD of purchase. Include the email on your account. We confirm cancellation within 1 working day.

2.2 When cancellation takes effect

Cancellation stops the next renewal. You keep paid-tier access until the end of the current billing period.
No partial-period refund on cancellation (except as covered in §3).
Annual plans: cancel any time; access continues until the end of the 12-month period.

2.3 What happens to your data

Free-tier features remain available on the same account after downgrade.
Data (chats, personas, uploads) is preserved — downgrade does not delete anything.
To fully delete your account, see Privacy_Policy §9.

3. Refunds on paid subscriptions (Pro, Family Caregiver)

3.1 7-day no-questions refund

New Pro or Family Caregiver subscribers get a full refund within 7 days of the first purchase, no reason required.
Request via refunds@ on the TLD of purchase. Include the transaction reference.
One-time-only per user per subscription type — to prevent abuse of the window.

3.2 Cooling-off for EU / UK consumers

In addition to §3.1, EU and UK consumers have their statutory 14-day cooling-off right under the Consumer Rights Directive / UK Consumer Contracts Regulations, unless you explicitly waived it to start using Pro immediately.
If you waived and used the service, the cooling-off right is consumed; our §3.1 still applies.

3.3 Annual plan refunds

Cancel within 7 days: full refund.
Cancel after 7 days: refund calculated strictly on a daily pro-rata basis (deducting exactly for the number of days used based on a 365-day year).
Monthly plans are subject to the same daily pro-rata deduction based on a 30-day month.

3.4 Service-failure refunds

We refund pro-rata in the following cases, no questions asked:

Platform outage exceeding 24 continuous hours on the day(s) you intended to use it.
Feature removal — if we remove a feature that was part of your paid tier at purchase and no comparable replacement is provided.
Account error on our side — billing double-charges, wrong-tier charges, etc.

Requested via refunds@; automatic credit where we detect the outage ourselves.

3.5 Wind-down or sale of the Service (Pro / Family Caregiver)

Refund treatment if we discontinue the Service or any individual product line (.ai, .in, .live, .org), or assign it to a successor entity:

Planned (voluntary) wind-down — at least 30 days' email notice plus an in-app banner; pro-rata refund of unused pre-paid Pro / Family Caregiver fees computed to the wind-down effective date. Per Terms_of_Service §12.3 + §12.4.
Involuntary wind-down (regulatory order, force majeure, insolvency) — notice and export windows may be shortened to the extent permitted by law; refunds are issued where commercially feasible and the funds are recoverable. Per Terms §12.4.
Partial wind-down (one product line closes while others continue) — the refund obligation applies only to the discontinued unit; subscriptions on remaining units continue under these Terms unchanged.
Assignment to a successor (sale of the company or a product line, M&A, spin-off) — at least 30 days' email notice. The successor may, at its discretion, continue your subscription on the same or different terms. If you do not wish to continue under the successor, you have the 30-day window to cancel; pro-rata refund of unused pre-paid fees applies on cancellation in connection with the assignment. Per Terms §19.

Free-tier users are not entitled to any refund, credit, compensation, or migration assistance in any of the above scenarios — Free is offered without consideration. The remedy is the 30-day notice window itself. Per Terms §12.3 + §6.1.

4. Booster Pack refunds

Booster Packs are one-time capability purchases (e.g., "GST Filing Booster," "Remove Background 50×").

Situation	Refund
Unused Booster, within 14 days of purchase	Full refund.
Booster used < 50% of included capacity, within 14 days	Pro-rata refund on the unused portion.
Booster used ≥ 50%	No refund except for service-failure (§3.4).
Booster stopped working due to our change	Full pro-rata refund on unused portion, regardless of time elapsed.
Booster purchased within 90 days of a wind-down notice (per Terms_of_Service §12.4)	Full refund.
Older Booster on wind-down of the Service or relevant product line	Pro-rata refund on unused portion where reasonably calculable; otherwise no refund per the original purchase agreement. Per Terms §12.3 + §12.4.
Booster on assignment of the Service to a successor entity (per Terms §19) — successor declines to honour	Pro-rata refund on unused portion under the same §12.3 mechanic.

"Used" means Booster usage is calculated strictly at the token-level. Failed calls or unprocessed tokens do not count against your capacity.

Request via refunds@ with the Booster name and purchase reference.

5. BYOK (Bring Your Own Key) — we cannot refund third-party usage

When you route AI calls through your own API key:

The AI provider (OpenAI, Anthropic, Google, etc.) bills you directly for those calls.
We do not see that money, do not hold it, and cannot refund it. We are not the merchant of record for BYOK inference.
If a BYOK call fails on our orchestration layer (plugin error, bug in our prompt assembly, platform outage), contact support@ — we will investigate. If the failure is traceable to us, we may issue a goodwill credit toward Pro or a Booster. Credit, not refund.
If the failure is on the provider's side, refunds are between you and the provider per their terms.

Our orchestration of BYOK is free — there's no "orchestration fee" to refund.

6. Failed payments and involuntary cancellation

If a scheduled renewal payment fails, we retry up to 3 times over 7 days, notifying you by email each time.
After the final retry fails, the account is downgraded to Free tier. Paid features become unavailable.
Data is preserved (per Privacy_Policy §8 retention); you can restore the subscription any time by updating payment and re-subscribing.
No late fees, no collection calls, no dark-pattern reactivation pitches.

7. Chargebacks and payment disputes

If you dispute a charge with your card issuer or bank:

Please contact refunds@ first. We can usually resolve disputes faster than a chargeback process.
If you proceed with a chargeback, we cooperate in good faith with the payment provider's investigation. We will provide transaction records and usage logs (not chat content — that remains private).
Fraudulent chargebacks (disputing legitimate, received service) are taken seriously. 2 or more fraudulent chargebacks will result in immediate account suspension and referral to the payment provider's fraud team.

Payment-provider dispute paths:

Razorpay (India): razorpay.com/disputes or contact refunds@ for assisted flow.

8. Taxes on refunds

India: GST collected on the original purchase is refunded proportionally with the refund.
EU / UK: VAT refunded proportionally.
US: sales tax, if applicable at purchase, refunded proportionally.

Refund amounts shown to you are inclusive of all applicable tax refunds unless your invoice specified otherwise.

9. How to request a refund

Gather: the email on your account and the transaction reference (from the invoice email or Settings → Billing → History).
Email: refunds@ on the TLD where you made the purchase (usually [email protected] or [email protected]).
Include: which purchase you want refunded and (optionally) why.
Turn-around:
- Acknowledgement within 1 working day.
- Decision within 3 working days.
- Refund initiated within 5 working days of approval.
- Credit back to the original payment method per the payment provider's timeline (typically 5–10 additional working days for cards; 1–3 for UPI).

No "refund fee." No "processing fee." No restocking fee.

10. Consumer statutory rights

These terms do not limit any rights you have as a consumer under applicable law:

India: Consumer Protection Act 2019 — right to seek redressal via District / State / National Consumer Disputes Redressal Commission; right to fair trade practice; right to information about the service. Our refund policy is in addition to, not in place of, those rights.
EU / UK: Consumer Rights Directive, UK Consumer Rights Act 2015 — rights to statutory remedies for services that are not as described, not performed with reasonable care and skill, etc.
US: state-level consumer-protection laws and federal FTC Act — unfair or deceptive practices. Our refund policy is subject to those.

If any provision of this policy conflicts with your statutory rights, your statutory rights prevail.

11. India-specific: Consumer forum jurisdiction

Indian consumers may seek redressal via:

Interim Grievance Officer: T. V. Rao (Founder & CEO), [email protected] — acknowledged within 24 hours, resolved within 15 days per IT Rules 2021 §3(2).
District Consumer Disputes Redressal Commission in your jurisdiction, under the Consumer Protection Act 2019.
Consumer Helpline: 1915 (national toll-free) or consumerhelpline.gov.in.

We will not contest your right to approach these forums and will not require arbitration as a precondition to consumer complaints.

12. Changes to this policy

Material changes (narrower refunds, new conditions) get at least 30 days' email notice to your account email.
Changes do not apply retroactively to purchases made before the effective date.
Non-material changes (typos, clarifications) published with an updated "Last modified" date.

13. Contact

Purpose	Address
Refund requests	`refunds@` on the TLD of purchase
Billing questions, invoice corrections	`billing@` on the TLD of purchase
Subscription cancellation (email route)	`billing@` on the TLD of purchase
India grievance (escalation)	`[email protected]`
Legal notices	`legal@` on the TLD of purchase

Full list with scope: Email_Addresses.

Which sections apply to which purchases

This single umbrella Refund Policy is hosted at gabforge.com/legal/refund. There are no per-TLD copies. The table below is a reader's guide to which sections apply to which kind of purchase.

Purchase made on	Applies
`gabforge.ai` / `gabforge.in` (Pro, Family Caregiver, Booster Packs)	Full policy applies. Indian consumers additionally get §11 (Consumer Forum access under CPA 2019 + Consumer Helpline 1915).
`gabforge.live` subsites	Subsites do not directly sell user subscriptions. If a subsite publisher is on Pro / Booster, those are app purchases on `.ai` or `.in` — treated under the relevant sections above.
`gabforge.org` donations	This policy does NOT apply. See Donation_Page for the separate donation-refund clause: voluntary contribution, treated as business income (no 80G / no tax deduction for the donor), no GST (no "supply" in exchange), not refundable except for genuine errors or card fraud (§5 of the Donation page).
`gabforge.com`	Corporate site — no consumer sales. Policy linked from footer for reference only; does not apply to anything on `.com`.