Refund & Cancellation Policy

1. Overview

This policy governs cancellations and refunds for subscriptions to the Ayra AI companion service operated by ASHOK BANKA KUSHWAHA ("Company", "we", "us"). All subscriptions are billed in Indian Rupees (INR) via Razorpay.

Because Ayra delivers a 100% digital/electronic service with no physical goods, our refund terms are structured around subscription billing cycles and the specific conditions described below. Please read this policy carefully before subscribing.

2. Subscription Plans

All amounts are in INR and are inclusive of applicable taxes unless stated otherwise.

3. Auto-Renewal and Billing

Ayra Plus automatically renews every month on the same date as your original subscription start date, unless you cancel before the renewal date.

By subscribing, you authorise ASHOK BANKA KUSHWAHA to charge your payment method on a recurring monthly basis via Razorpay. You will receive an email reminder at least 3 days before each renewal.

4. How to Cancel

You may cancel your subscription at any time through any of the following methods:

1. In-app: Log in → Account Settings → Subscription → Cancel Subscription
2. Email: Send a cancellation request to support@ayraverse.com with the subject line "Cancel Subscription — [Your Registered Email]"
3. Phone: Call +91 6355449195 during business hours 10:00 AM – 6:00 PM IST

Important:

• Cancellation must be completed at least 24 hours before your next renewal date to avoid being charged for the next billing period.
• After cancellation, you retain access to paid features until the end of your current billing period. Your subscription will not renew, and you will be downgraded to the Free tier automatically at the period's end.
• We will send a confirmation email upon successful cancellation.

5. Refund Eligibility

5.1 Standard Policy — No Refund for Used Periods

As a general rule, subscription fees for any period during which the Service was available and accessible are non-refundable, because the Service is digital and access was provided in full. This is consistent with Section 16 of the Consumer Protection (E-Commerce) Rules, 2020.

5.2 Exceptions — Cases Where Refunds Are Issued

5.3 Cases Where Refunds Are NOT Issued

Refunds will not be issued in the following circumstances:

• You forgot to cancel before the renewal date
• You changed your mind after the billing period started and you used the Service
• You upgraded or downgraded your plan (changes take effect at the next cycle)
• Your account was suspended or terminated due to a violation of our Terms and Conditions
• Dissatisfaction with AI-generated content (the nature of AI outputs is inherent to the Service)
• Incomplete use of subscribed features during a billing period

6. Refund Process

Step 1 — Submit Your Request

Email support@ayraverse.com with the subject "Refund Request — [Your Registered Email]" and include:

• Your registered email address
• The transaction/payment ID (available in your Razorpay payment receipt)
• The reason for your refund request
• Any supporting evidence (e.g., screenshots of technical errors)

Step 2 — Acknowledgement

We will acknowledge your request within 48 hours (excluding national public holidays).

Step 3 — Review and Decision

We will review your request and communicate our decision within 5 business days of acknowledgement.

Step 4 — Refund Credit

If your refund is approved:

• Refunds are processed back to the original payment method (credit/debit card or UPI, as applicable) via Razorpay.
• The credit will appear in your account within 5–7 business days from the date we initiate the refund, depending on your bank's processing times.
• We do not issue refunds in cash or via any method other than the original payment instrument.

7. Payment Disputes and Chargebacks

If you believe a charge is unauthorised or erroneous, we encourage you to contact us first at support@ayraverse.com before initiating a bank/card chargeback. We can typically resolve legitimate disputes faster than the chargeback process.

However, you retain all rights to raise a chargeback with your bank or payment provider. Note that initiating a chargeback while a refund is being processed by us may result in delays.

8. Tax and GST

Subscription amounts are inclusive of applicable Goods and Services Tax (GST). If GST rates change, prices may be adjusted accordingly with advance notice.

9. Changes to This Policy

We may update this policy from time to time. We will notify active subscribers of material changes at least 14 days in advance via email. Continued subscription after the effective date constitutes acceptance of the revised policy.

10. Contact for Refund Queries