Refund Policy

This Refund Policy explains when refunds apply for Ujyara purchases, when they don't, how to request one, and how long it will take. We have written this so you can find what you need quickly. If you don't see your situation covered, write to grievance@ujyara.com — we read this inbox daily.

1. About this Refund Policy

In short: This document tells you exactly what to expect from us on refunds and cancellations. It is part of your agreement with Gurpraj Systems alongside the Terms of Service and the Privacy Policy.

1.1 What this document is

This Refund Policy applies to all paid purchases made through Ujyara — including subscription Plans, one-time per-report purchases, and pack credits. It is published as required by the Consumer Protection (E-Commerce) Rules, 2020, and our payment-aggregator merchant agreement, and forms part of your binding agreement with us.

This Refund Policy applies to purchases made by users with valid Indian mobile numbers (+91) and Indian-issued payment instruments, in INR.

Ujyara is operated by Gurpraj Systems, a sole proprietorship of Rajinder Singh, with its registered office at:

Khasra No 84//51/2 (5-1), Ward No-9, Near Radha Krishan Mandir, Kirpal Colony, Kurali, District SAS Nagar (Mohali), Punjab — 140103, India

GSTIN: 03CESPS8908D1Z4. Country of origin of the Service: India.

1.2 How this fits with our other documents

This Refund Policy is one of three documents that govern your use of Ujyara — alongside the Terms of Service and the Privacy Policy. Where this document is silent, the Terms of Service apply.

1.3 How refunds work at Ujyara — the short version

Three things shape every refund decision:

(a) What you bought — a subscription, a one-time report, or pack credits. (b) Whether the service was actually delivered — if a payment was taken but the report wasn't generated, the refund is straightforward. (c) When you ask — most refund windows are time-bound; please contact us promptly.

Refunds, when approved, are returned to the original payment method. We issue a GST-compliant credit note for every approved refund.

2. Important context — Ujyara is a digital, AI-generated service

In short: Reports are personalised and generated on demand. Once a report is delivered, the service has been performed.

2.1 Reports are generated on demand

Each Ujyara report is computed from your specific inputs and generated by AI in real time. When you complete a payment, the service is performed almost immediately — often within seconds.

2.2 Service performance and refund eligibility

Once a report has been generated and successfully delivered to you, we treat the digital service as performed. This affects what is and isn't refundable, and is set out in detail in Sections 6 and 10.

2.3 Pricing — GST-inclusive INR only

All prices on Ujyara are quoted in Indian Rupees (INR) and include Goods and Services Tax (GST) at the prevailing rate. We do not accept foreign currencies and we do not charge separate processing fees on top of displayed prices.

2.4 Setting expectations

If you are unsure whether a particular Ujyara purchase will give you what you need, please consider trying a free or lower-priced offering first. Our refund policy is intentionally simple — but the simplest path is a purchase you are confident about.

3. Subscription cancellation refunds

In short: Monthly plans — full refund within 7 days, 50% refund days 8-15, no refund after 15 days. Annual plans — full refund within 7 days, 50% refund days 8-30, no automatic refund after 30 days (with a documented-hardship exception). Heavy use during any refund window may reduce what is refunded.

3.1 Monthly subscriptions — 7-day full-refund window

If you cancel a monthly paid subscription within 7 days of the most recent monthly payment date, you are eligible for a full refund of that payment, subject to the usage adjustment in Section 3.6 below. Once we approve your refund, we instruct our authorised payment gateway to process it; the gateway typically transmits the refund within 1–2 business days, and your bank or card issuer typically credits the amount within a further 5 to 7 business days.

3.2 Monthly subscriptions — 15-day 50% refund window

If you cancel a monthly paid subscription between day 8 and day 15 of the most recent monthly payment date, you are eligible for a 50% refund of that payment, in recognition that you have used the service for some time but ended your subscription early. The usage adjustment in Section 3.6 also applies.

3.3 Monthly subscriptions — after 15 days

If you cancel a monthly paid subscription after 15 days from the most recent monthly payment date, no refund is offered for the current billing cycle. Your access continues to the end of the current cycle, and the subscription does not renew thereafter.

3.4 Annual subscriptions

Annual subscriptions are paid upfront for the full year. Most annual plans on Ujyara are designed around daily horoscope delivery and other features whose monthly value is structurally capped, so a user generally cannot consume the full annual value within a few weeks even with intensive use.

(a) 7-day full-refund window. If you cancel an annual subscription within 7 days of the annual payment date, you are eligible for a full refund of that payment, subject to the usage adjustment in Section 3.6 below.

(b) 30-day 50% refund window. If you cancel an annual subscription between day 8 and day 30 of the annual payment date, you are eligible for a 50% refund of that payment, subject to the usage adjustment in Section 3.6 below. This is a goodwill window that recognises that you may want to discontinue early without committing to the full year. Where, due to any product change, system error, or other reason, you have consumed reports or features whose standalone retail value exceeds 50% of the annual price paid, no refund or only a pro-rata refund (computed under Section 3.6) is due. The cap on monthly consumption is a load-bearing assumption of this clause; this protective limb applies regardless of whether that cap remained operational.

(c) After 30 days, no automatic refund. Beyond day 30, the annual subscription runs to the end of the annual term, and no automatic pro-rata refund is offered for unused months.

(d) Documented-hardship exception. If you cease using the Service for documented reasons of medical incapacity, bereavement of an immediate family member, or relocation outside India, you may apply in writing to grievance@ujyara.com for a pro-rata refund of unused months, which we will consider in good faith on the basis of supporting documentation (such as a hospital discharge summary, a death certificate, or a foreign tax-residency document). This is a discretionary path; approval is not guaranteed.

3.5 How to cancel

You may cancel a subscription in any of these ways:

• Send the keyword CANCEL SUBSCRIPTION on WhatsApp
• Send the command /cancelsubscription on Telegram
• Use the in-app cancellation flow on the web application or PWA when available
• Email grievance@ujyara.com from the email address on your account

In all cases we send a confirmation to your registered email and stop the auto-renewal at the end of the current cycle. If you have requested and been approved for a 7-day full refund or a 50% partial refund within the windows in Sections 3.2 or 3.4(b), your access ends immediately upon refund approval — since you are no longer paying for the remainder of the cycle.

3.6 Usage adjustment during the refund window

The 7-day, 15-day, and 30-day refund windows in Sections 3.1, 3.2, 3.4(a), and 3.4(b) are intended for users who try the service briefly and decide it is not for them. Where, during the refund window, you have consumed reports or features whose standalone retail value (assessed against the per-report prices published on Ujyara at the time of consumption) exceeds the value of the refund you are claiming, no refund is due. Where the standalone retail value of consumed reports is positive but lower than the refund being claimed, the refund will be reduced by the standalone retail value of consumed reports. We will set out this deduction transparently in the credit note. Disputes over the assessment will be reviewed individually under the grievance process described in Section 12.

This clause does not apply to genuine service failure under Section 6.2 or service disruption under Section 7, where the refund remains as set out in those sections.

3.7 Disputes about purchases on a logged-in device you no longer control

If you become aware that a session was left logged-in on a device you no longer control and unauthorised purchases were made, you must notify Gurpraj Systems at grievance@ujyara.com within 7 days of becoming aware. Refunds will be considered on a case-by-case basis only where the notification was timely. After 7 days, no refund under this clause will be entertained.

For purposes of this clause, the user is deemed to have become aware of unauthorised activity by the earliest of: (i) actual awareness, (ii) receipt of an SMS or email confirmation of the relevant transaction at the registered phone number or email, or (iii) the date of the relevant bank or card statement showing the transaction.

4. Plan changes mid-cycle

In short: Upgrade now, pay the difference. Downgrade applies from your next renewal.

4.1 Downgrade

If you downgrade your Plan mid-cycle, the change takes effect from your next renewal date. No refund is issued for the unused portion of the current cycle, and you continue to enjoy the higher tier until renewal.

4.2 Upgrade

If you upgrade mid-cycle, you pay the pro-rata difference between your current Plan and the new Plan for the remainder of the current cycle. The new Plan takes effect immediately. The pro-rata difference paid for an upgrade is non-refundable, regardless of any subsequent cancellation.

4.3 Pause or skip

We do not currently offer subscription pauses or skipped billing cycles at launch.

5. Pack credits — 12+3 expiry

In short: Pack credits last 12 months, with a 3-month grace period and reminders. After month 15, unused credits are no longer redeemable for new readings; a 50% buyback is available for 6 months thereafter.

5.1 12-month base usage period

Pack credits — for example, multi-report packs offered at a discount — are usable for 12 months from the date of purchase.

5.2 3-month grace period with reminders

If you have not used all your pack credits by the end of month 12, we send you reminders in months 13, 14, and 15, plus a 15-day in-app reminder before the final expiry.

5.3 Expiry at month 15 — and 50% buyback window

Pack credits that remain unused after the end of month 15 are no longer redeemable for new readings. However, on written request to grievance@ujyara.com within 6 months of expiry, you may receive a refund of the unredeemed credits computed under the formula in Section 5.3.1. As with all voluntary refunds, the gateway processing fee disclosed in Section 9.2 is deducted from the refunded amount. After this 6-month buyback window, no refund or redemption is available.

Buyback under this Section is available only where:

(a) at least 50% of pack credits remain unused at the date of expiry; (b) buyback is available once per user. We track buyback claims through the same mechanism that prevents abuse of free first-ever offerings (see Privacy Policy Section 6.4) — a salted, one-way hash of your registered phone number, retained for the period described in Privacy Policy Section 6.4. Claims that fall outside this tracking window are subject to operational checks at our discretion; and (c) the prices used in the formula in Section 5.3.1 are those that were published on Ujyara at the time of your original pack purchase, not at the time of the buyback claim.

5.3.1 The buyback formula

The per-credit refund price for unused credits is computed as 50% of the lower of:

(i) the original per-credit price paid in the pack — that is, the total pack price ÷ the total number of credits in the pack; or

(ii) the adjusted per-credit price assuming no pack discount on the credits you have already consumed — that is: - Standalone per-report price × number of credits consumed = the standalone retail value of consumed credits - Total pack price minus that retail value = remaining pack value - Remaining pack value ÷ number of unused credits = adjusted per-credit price

The per-credit refund is then 50% of whichever of (i) or (ii) is lower, multiplied by the number of unused credits, and the gateway processing fee is deducted.

5.3.2 Worked example

Suppose at the time of your original purchase: - Standalone per-report price published on Ujyara: ₹100 - Pack of 5 reports purchased for ₹400 (effective per-credit price paid: ₹80)

You consume 2 credits, then the pack expires with 3 credits unused. You apply for buyback within 6 months of expiry.

• (i) Original per-credit price paid: ₹400 ÷ 5 = ₹80
• (ii) Adjusted per-credit price assuming no pack discount on the 2 consumed credits:
• Standalone retail value of 2 consumed credits: 2 × ₹100 = ₹200
• Remaining pack value: ₹400 − ₹200 = ₹200
• Adjusted per-credit price: ₹200 ÷ 3 = ₹66.67

Lower of (i) and (ii) is ₹66.67. Buyback per credit = 50% × ₹66.67 = ₹33.33. Total buyback for 3 unused credits = ₹100. Gateway processing fee is deducted from this amount. The standalone per-report price and pack price used in the formula are the ones that were in force on the date of your original pack purchase, even if Ujyara prices have changed since.

5.4 Refunds on pack credits before expiry

If you wish to refund unused pack credits before their expiry, the per-report rules in Section 6 apply. Refunds are computed at the per-credit price you actually paid (i.e., total pack price ÷ total credits in the pack), not at the standalone per-report price. Where the standalone retail value of credits already consumed exceeds the pack price paid, no refund is due.

6. One-time report purchases (kundali, ask, numerology, BTR, and others)

In short: Single-report purchases generally do not get refunded once the report is delivered, unless the service genuinely failed.

6.1 General rule

Most Ujyara reports are personalised, generated almost instantly, and delivered immediately. Once delivered, the digital service has been performed. Single-report purchases, once delivered, are not refundable except in the cases of genuine service failure described in Section 6.2 and service disruption described in Section 7.

6.2 When the service genuinely failed

If the service genuinely failed, we will refund. "Genuine service failure" means:

• Your payment was debited but no report was generated;
• The report failed to deliver due to a technical fault on our side;
• The report does not contain the components described in the product page (for example, a kundali product description states that the report includes (i) lagna chart, (ii) navamsa chart, (iii) dasha summary, (iv) remedies — but a delivered report omits one or more of these components).

For the third limb above, a "missing component" means the absence of an entire section listed on the product page, not differences in length, depth, content, or interpretive framing of any section that is in fact present. The user must provide the delivered report (or screenshots evidencing the alleged omission) as part of the refund claim. We may compare against our server-side copy of the delivered report; where they differ, the server-side copy is determinative.

Dissatisfaction with the interpretation, prediction, or guidance in a report is governed by Section 10(a) and is not "service failure".

In any of these cases, please email grievance@ujyara.com within 7 days of the transaction with your phone number, transaction reference, and a brief description. These are mandatory refunds under the Consumer Protection (E-Commerce) Rules, 2020 — we will process them, including the gateway processing fee that is otherwise non-refundable (see Section 9.2).

6.3 Birth Time Rectification (BTR) reports

BTR is a higher-touch service that involves you sharing past life events. We do not offer an automatic refund window for BTR reports.

If you are dissatisfied with a BTR report, you may write to grievance@ujyara.com by the end of day 6 from the date of report generation. We will review the request individually:

• Where you can show that the rectified time was demonstrably wrong on the basis of birth-record evidence supplied with the original request, or that the report fails to meet the description displayed at checkout, we will refund 50% of the BTR fee.
• Where you have simply revised the past-life events you supplied after the report was generated, no refund is due — but we may, at our discretion, offer a lifetime one-time-per-user free additional report (not resetting on phone-number change, account closure, or re-creation).

The BTR conversation transcript is retained until the end of day 7 — one day past the day-6 refund-request deadline — so that timely refund requests can be reviewed against the conversation before it is auto-deleted (see Privacy Policy Section 6.2).

6.4 Match Making and Compatibility reports

The general rule in Section 6.1 applies. If both subjects' birth details were correctly provided and the report was generated and delivered, the service has been performed.

6.5 Inaccurate inputs supplied by you

The accuracy of any astrological or numerological reading depends on the accuracy of the inputs you provide. Ujyara does not validate the truthfulness of birth-detail inputs; the user warrants the accuracy of all inputs supplied. If you supplied incorrect details and only realised after the report was generated, no refund is due — though you may purchase a fresh report with corrected details. Inputs supplied incorrectly are the user's risk and not grounds for refund.

For numerology readings, the name and date of birth used as inputs are retained as described in Privacy Policy Sections 3.2 and 6.1, not deleted within 24 hours.

7. Service disruption clause

In short: If Ujyara is down for 7+ days due to causes within our control, or 30+ days due to causes beyond our control, you can ask for an extension or a pro-rata refund.

7.1 What this clause covers

If Ujyara services become unavailable for 7 or more consecutive days due to causes within our reasonable control, or 30 or more consecutive days due to causes beyond our reasonable control — including third-party platform outages, payment gateway failures, internet service interruptions, or other comparable events of equivalent severity — affected paying users are eligible for a remedy under this clause.

7.2 The two remedies

You may request either:

(a) an extension of your subscription by the duration of the disruption, or

(b) a pro-rata refund of the unused subscription period, computed from the date of claim.

7.3 How to request

Send your request to grievance@ujyara.com within 30 days of the disruption ending. Include your phone number, transaction reference, and a brief description.

7.4 Processing timeline

Approved refunds under this clause are processed within 30 business days of approval, subject to operational capacity.

7.5 Mass-event clause

In case of large-scale disruption events affecting many users at once, refund processing may extend beyond standard timelines; we will notify affected users of the expected timeline.

8. How to request a refund

In short: Email grievance@ujyara.com from the email on your account, or use the in-app grievance channel on your active session. We acknowledge within 48 hours and decide within 7 business days.

8.1 Where to send the request

You can reach us through any of the following channels:

• By email to grievance@ujyara.com from the email address linked to your account. If you registered an email through OTP verification at first payment, use that one. This is the primary channel for paid users.
• In-app on the messaging interface: send the command /grievance on Telegram or the keyword GRIEVANCE on WhatsApp on your active Ujyara session. The bot will capture your message and forward it to our grievance team along with your registered phone number.
• In-app on the web application or PWA through the "Raise a grievance" link in the account menu, once those channels launch.

For free users where no email is on file, the in-app channel above is the recommended route.

8.2 What to include

Please include:

• Your registered phone number
• The transaction identifier or payment reference (visible on your tax invoice)
• The date of purchase
• A brief reason for the refund request

This helps us locate your purchase quickly and respond to you faster.

8.3 Acknowledgement and decision timeline

Timelines are computed in working hours / business days. Filings outside business hours are deemed received at the start of the next working day.

If your case requires more time — for example, where we need to verify a transaction with our payment gateway — we will keep you informed of the delay and the expected timeline. Where we receive grievances at a volume materially in excess of normal operational capacity (including bot-driven or coordinated submissions), we may extend these timelines pro-rata; we will publish a notice on ujyara.com if such an extension is in force.

9. How approved refunds are paid back

In short: Refunds go back to the original payment method. We issue a GST credit note for every refund. Payment-gateway processing fees are not refundable on voluntary cancellation.

9.1 Refund destination

Approved refunds are credited back to the original payment method through our authorised payment gateway. We do not refund to a different card, account, or wallet from the one used at purchase.

9.2 Payment-gateway processing fees

Our authorised payment gateway charges a processing fee on each transaction at the rate disclosed in our merchant agreement at the time of the relevant transaction. This fee is retained by the gateway and is therefore deducted from the amount returned to you on:

• Voluntary cancellation refunds (Section 3) and
• Refunds of unused pack credits (Section 5).

On refunds approved on service-failure grounds (Section 6.2) or service-disruption grounds (Section 7), Gurpraj Systems will absorb the gateway processing fee so that you receive the full amount paid.

9.3 Bank/issuer additional time

Once we initiate the refund through our payment gateway, your bank or card issuer may take an additional 5 to 7 business days to credit the amount to your account. This is outside our control.

9.4 GST-compliant credit note

For every approved refund, we issue a GST-compliant credit note to the email address on your account. This is required by Indian tax law and may be useful if you claim GST input credit. The credit note is issued in the form prescribed by Rule 53 of the CGST Rules, 2017, and will mirror the GST split (CGST/SGST or IGST) of the original tax invoice.

10. What is not eligible for a refund

In short: Dissatisfaction with a reading's content, wrong inputs on your end, change of mind after delivery, processing fees on voluntary cancellation, post-buyback-window pack credits, and a few similar cases.

The following are not eligible for refund:

(a) Dissatisfaction with the content of an astrological or numerological reading. As stated in our Terms of Service and the Astrology Safety section therein, we do not guarantee the accuracy, completeness, or predictive value of any reading. Astrology and numerology are traditional belief systems; readings are guidance, not factual claims.

(b) Inputs supplied by you that turn out to be incorrect. If a date, time, place, or name was wrong on your end, the reading is technically based on what you provided. You may purchase a fresh report with corrected details.

(c) Change of mind after a report has been generated and delivered. Digital service performance is treated as complete on delivery.

(d) Reports successfully delivered. Once a report has been transmitted to your registered messaging interface or made available in your web "My Reports", the digital service is treated as performed. We do not rely on read receipts to deny refunds.

(e) Payment-gateway processing fees on voluntary cancellations and pack-credit refunds (per Section 9.2; gateway fees are absorbed by Gurpraj Systems on service-failure and service-disruption refunds).

(f) Pack credits past the 6-month buyback window (per Section 5.3).

(g) Cases where you have already received a remedy for the same issue — for example, a free additional report under our discretionary BTR review, or a subscription extension under the Section 7 disruption clause.

We may, at our discretion, offer a goodwill remedy (such as a free additional report or pack credit) in cases that fall outside the strict refund criteria but where we feel it is the right thing to do. This is offered case-by-case and is not a published entitlement.

11. Chargebacks — please contact us first

In short: If something goes wrong with a payment, please email us first. Most issues are resolved faster directly with us than through your bank.

11.1 Direct contact resolves issues fastest

If you believe a transaction should be reversed — for any reason — please email grievance@ujyara.com from the email address on your account, with your phone number and transaction reference. We acknowledge within 48 hours and respond substantively within 7 business days. Our refund process is designed to be straightforward, and our policy is to resolve genuine grievances generously.

We request that you raise any payment dispute with us in writing at grievance@ujyara.com before initiating a chargeback through your bank, so that we have the opportunity to resolve the matter directly. Failure to contact us first does not waive any of your statutory or card-network rights, but may be a relevant factor in our investigation of the dispute.

11.2 Bank-initiated chargebacks

A chargeback initiated through your bank carries strict response windows that we are required to meet. Direct contact with us is almost always faster, less stressful for both sides, and avoids the procedural overhead that the chargeback process involves.

11.3 Patterns of payment-dispute abuse

Where payment disputes are initiated repeatedly or in bad faith, we reserve the right to take protective action under our Terms of Service, including pausing further purchases on the account in question. Genuine, one-off disputes are not affected by this.

11.4 Defending chargebacks

Where we believe a service was correctly delivered as described, we will respond to the bank's chargeback inquiry with the supporting transaction record, the AGREE consent record, and any other relevant evidence.

12. Disputes and escalation

In short: Talk to us first. If unresolved, you have rights under Indian consumer law and DPDPA.

12.1 Internal grievance process

For any concern about a refund decision, please write to grievance@ujyara.com. Our standard service levels apply: 48-hour acknowledgement, 7-day substantive response, 30-day target resolution. The Privacy Policy describes this in full.

12.2 Statutory escalation

Nothing in this Refund Policy limits your statutory rights as a consumer under Indian law. If you remain dissatisfied after our internal grievance process, you may approach:

(a) The appropriate Consumer Disputes Redressal Commission under the Consumer Protection Act, 2019, for any matter falling within that Act's scope; or

(b) The Data Protection Board of India, for any matter relating to your personal data under the Digital Personal Data Protection Act, 2023.

Limitation of Gurpraj Systems' liability is set out in Section 15 of the Terms of Service. Statutory rights under the Consumer Protection Act, 2019 are unaffected.

12.3 Jurisdiction

Subject to the consumer's statutory right under Section 11(2) of the Consumer Protection Act, 2019 to approach a Consumer Disputes Redressal Commission having jurisdiction at the consumer's place of residence or work, the parties otherwise submit to the non-exclusive jurisdiction of the competent civil courts at SAS Nagar (Mohali), Punjab, India.

13. How to contact us about refunds

For refund requests, refund-related disputes, or any matter requiring a service-level-bound response: grievance@ujyara.com

For general queries, suggestions, or anything not formally raised under this Refund Policy: support@ujyara.com

Postal address (registered office): Gurpraj Systems PROP Rajinder Singh Khasra No 84//51/2 (5-1), Ward No-9, Near Radha Krishan Mandir, Kirpal Colony, Kurali, District SAS Nagar (Mohali), Punjab — 140103, India GSTIN: 03CESPS8908D1Z4

Languages

This Refund Policy is published in English at launch. Hindi and Punjabi versions will follow within 60 days. If there is any conflict between language versions, the English version prevails.

Ujyara is a product of Gurpraj Systems (GSTIN 03CESPS8908D1Z4 / Udyam UDYAM-PB-20-0123284). For any queries, write to grievance@ujyara.com (urgent) or support@ujyara.com (general).