Refund Policy

Thank you for choosing Payos.in, owned and operated by Payosphere Technologies Private Limited. We strive to provide high-quality astrology services and digital products. Please read this Refund & Cancellation Policy carefully before purchasing any paid service.

By purchasing any service from Payos.in, you agree to this Refund & Cancellation Policy.

1. Nature of Services

Payos.in primarily offers digital astrology services, including but not limited to:

• Horoscope Reports
• Kundli (Birth Chart) Generation
• Numerology Reports
• Compatibility Reports
• Panchang Services
• Astrology Predictions
• Premium Astrology Content
• Other digital astrology-related products and services

Since these services are delivered digitally and often generated instantly or customized based on the information provided by the user, they cannot generally be returned once delivered.

2. Cancellation Policy

Before Processing

Orders may be cancelled only if the purchased service has not yet been processed or delivered.

If your request qualifies, the cancellation may be approved at our sole discretion.

After Processing

Once:

• a horoscope or astrology report has been generated,
• a Kundli has been created,
• a digital report has been delivered,
• premium content has been accessed,
• or any astrology service has commenced,

the order cannot be cancelled.

3. Refund Policy

As our products and services are digital in nature, all purchases are generally final and non-refundable.

However, refunds may be considered under the following circumstances:

Eligible Refund Cases

A refund may be approved if:

• You were charged more than once for the same order.
• Payment was successfully deducted, but the order was never processed due to a technical issue on our platform.
• We are unable to provide the purchased service.
• The payment was successful, but no report or service was delivered within a reasonable period due to our technical failure.

Approved refunds will be processed using the original payment method wherever possible.

4. Non-Refundable Situations

Refunds will not be provided in the following cases:

• You changed your mind after purchasing.
• You are dissatisfied with an astrology prediction or report.
• The prediction did not meet your expectations.
• Incorrect birth details were provided by you.
• You entered the wrong email address or mobile number.
• You purchased a service by mistake.
• Delay caused due to incorrect information submitted by the user.
• Services have already been delivered or accessed.
• Failure to read the service description before purchase.

Astrology involves traditional interpretations and should not be considered a guaranteed outcome. Dissatisfaction with predictions alone is not a valid reason for a refund.

5. Duplicate Payments

If your payment is deducted more than once for the same transaction, please contact our support team with:

• Order ID
• Transaction ID
• Payment receipt or screenshot
• Registered email address
• Registered mobile number

After verification, the duplicate payment amount will be refunded.

6. Failed Transactions

If your payment fails but the amount is debited from your bank account:

• Please wait for your bank's reconciliation process.
• In many cases, the amount is automatically reversed by the bank or payment gateway within 5–7 business days.
• If the amount is not reversed, please contact us with your transaction details.

7. Refund Processing Time

If a refund is approved:

• Refunds are generally processed within 7–10 business days.
• The time taken for the amount to reflect in your account depends on your bank, card issuer, UPI provider, or payment gateway.

8. Incorrect Information Provided by User

Users are solely responsible for providing accurate information, including:

• Name
• Date of Birth
• Time of Birth
• Place of Birth
• Email Address
• Mobile Number

Payos.in shall not be responsible for incorrect reports generated due to inaccurate information submitted by the user. Such purchases are not eligible for refunds.

9. Service Availability

We reserve the right to refuse, cancel, or suspend any order in cases involving:

• Fraudulent activity
• Violation of our Terms & Conditions
• Technical limitations
• Legal or regulatory requirements

Where applicable, eligible payments may be refunded.

10. Contact Us

If you have any questions regarding cancellations or refunds, please contact us:

Payosphere Technologies Private Limited

Registered Office:
Unit No. 1408, 14th Floor,
Vishwa Plan S Business Park,
Nerul East, Navi Mumbai – 400706, Maharashtra, India.

Website: https://payos.in

Customer Support: +91 83695 22990

Email: payospheretech1010@gmail.com

Please include your Order ID, Transaction ID, and a brief description of your concern when contacting us.

By purchasing and using services on Payos.in, you acknowledge that you have read, understood, and agreed to this Refund & Cancellation Policy.