Refund & Cancellation Policy

A paid plan is a one-off payment that covers 30 days of access at the price shown at checkout. There is no automatic renewal and no recurring mandate on your card or UPI: when the 30 days end, paid access ends unless you choose to pay again. Payment is collected through Razorpay, our payment gateway; we are the seller of record and we issue your invoice.

Because nothing renews, you cancel simply by not making a further payment — there is no cancellation form to submit and no notice period. If you want to stop using the service before your 30 days are up, you can stop at any time or delete your account from your settings; cancellation takes effect immediately, and paid access ends at that point. You do not need to cancel to avoid a future charge, because there is no future charge.

Payments cover a fixed 30-day period and are not pro-rated. If you stop using the service part-way through a paid period, the unused days are not automatically refunded, because cancelling does not prevent a charge that has already been made. Where you have prepaid for a longer period under an enterprise arrangement, that agreement governs what happens to the unused portion.

We do not offer a blanket money-back guarantee. Refund requests are reviewed individually, and we grant them where the circumstances warrant it — and always where applicable law requires it or where the charge was our error.

To request one, email support@zerocreditai.com with the email on the order and the payment or invoice reference. We aim to acknowledge within 2 working days and to decide within 7 working days. Approved refunds go back to the original payment method through Razorpay, typically within 5–10 business days depending on your bank or UPI provider; we cannot control that settlement time. Refunds are made in the original currency and amount received, less any amount we are legally required to withhold.

If you were charged in error, charged twice, or the service was unavailable for an extended period because of a problem on our side, contact us and we will refund or credit the affected amount, regardless of when the charge occurred. Where we issue a credit instead of a refund, we will tell you plainly and you can ask for a refund instead.

A failed payment simply means paid access does not start or continue; nothing is retried automatically and no penalty is charged. If a payment is reversed or charged back after access was provided, we may suspend paid access while we resolve it with you. Please contact us before raising a chargeback — it is almost always faster to sort out directly.

Prices are exclusive of taxes unless stated otherwise, and applicable indirect taxes including Indian GST where it applies are shown at checkout or on your invoice. Refunds include any tax collected on the refunded amount where the law permits us to reverse it. If you need your organisation's GSTIN on the invoice, provide it before paying — we may not be able to reissue an invoice afterwards.

The free tier and the no-key sandbox cost nothing and require no payment method, so there is nothing to cancel or refund. Amounts discounted under a promotion are not refundable as cash, and a promotional price applies only to the purchase it was offered for. Credit granted as goodwill has no cash value and expires with the account.

Where you use your own provider keys, the AI providers bill you directly for model usage under your own agreements with them. Those amounts are not part of your ZeroCredit AI payment and cannot be refunded by us. Cost figures in the dashboard are estimates computed from provider-reported usage and published rates; your provider's invoice is authoritative.

We may decline a refund where we have reasonable evidence of fraud, payment abuse, or repeated purchase-and- refund cycles, and we may terminate accounts used that way. If we terminate your account for breach of the Acceptable Use Policy, fees already paid for the current period are not refundable. If we terminate without cause, we will refund the unused part of the current period.

Where you purchase under an order form, subscription agreement or other negotiated contract, that contract's payment, term, cancellation and refund terms apply instead of this page to the extent they differ. Contact support@zerocreditai.com for enterprise billing.

This policy is in addition to, and does not limit, any refund or cancellation right you have under applicable law. If you are unhappy with a refund decision, you can escalate it through our grievance process.