Refund Policy

Version 1.0 · effective 23 May 2026

Headline

Full refund within 14 daysof payment, if you haven't exported the CA-handoff PDF. One-click from Settings → Billing.

Per-payment principle · load-bearing

Every payment has its own 14-day refund window.

The original Self (₹249), the Pro Family upgrade top-up (₹300), the full Pro Family (₹799), and every Ask CA tier upgrade all carry independent 14-day regret-protection from the moment of payment. The clock on one payment does not consume the clock on the next.

Exports-already-downloaded still blocks the Tax Review refund per the policy below. Ask CA refund rules (full / 50% / none based on engagement state) are unchanged — but each payment inside an Ask CA engagement gets its own clock.

Self · ₹249

Tax Review unlock

Full refund · 14 days from THAT payment
Forfeit once you export the CA-handoff PDF
Razorpay credits back to source in 5-7 working days

AI Self · ₹499

Self + AI Q&A

Full refund · 14 days from THAT payment · same export rule
Self → AI Self top-up (₹250) refunds standalone · 14 days from the top-up itself
Refunding the top-up reverts you to Self · AI Q&A locks immediately
Refund denied if you've consumed more than 1 AI question after capture (we treat the daily quota as the deliverable)

Pro Family · ₹799

Household bundle · 6 PANs

Full refund · 14 days from THAT payment · same export rule
AI Self → Pro Family top-up (₹300) refunds standalone · 14 days from the top-up itself
Self → Pro Family top-up (₹550) is also standalone · same 14-day window
Refunding the top-up reverts you to the prior tier · family members keep their existing unlocks

Hire-CA · CA-set price

Consultation / ITR Filing / Notice & Defence

Full refund · CA doesn't accept within the matching window
Full refund · CA accepts then cancels before any deliverable
Refundable for 14 days from payment or until CA delivers — whichever first
No refund · once CA has delivered (filed ITR, written advisory, notice reply)
Category top-ups · independent 14-day window from the top-up's capture (see row below)

Ask CA · tier upgrade mid-engagement

Example · Consultation → ITR Filing mid-chat

The ₹700 top-up has its own 14-day refund window from the moment it captures.
The original Consultation ₹299 is consumed and non-refundable — the engagement has progressed past initial acceptance.
Refunding the top-up reverts the engagement to Consultation tier · the CA is notified and the revenue share is recomputed on the lower total.
Top-up forfeits its window once an ITR Filing deliverable (filed ITR / ITR-V) or Notice & Defence response is dispatched — whichever applies to the upgraded tier.

FAQ · refunds

How do I request a refund?: From Settings → Billing · click "Request a refund" next to the relevant charge. Approval is automatic if you're inside the window and haven't exported.
Why does export forfeit the refund?: Because export delivers the substantive product — a CA-grade handoff PDF a verified CA can file from. Once you have it, the value is in your hands.
What if your engine got my tax wrong?: Email support with the issue. If we agree it's a computation error, we'll refund regardless of the 14-day window or export status — and fix it for everyone.
How long does the refund take?: Razorpay sends a credit back to your original payment method · UPI usually settles same-day, cards 5-7 working days, netbanking 3-5. We don't hold the money on our end.
Can I cancel Pro Family mid-year?: Pro Family is one-time per AY, not a subscription — there's nothing to cancel. If you upgraded AI Self → Pro Family and want to step back inside the top-up's 14-day window, we refund the ₹300 top-up standalone and downgrade you to AI Self. Self → Pro Family direct upgrades follow the same rule with the ₹550 top-up.
Does refunding an Ask CA top-up reset the original Consultation fee's clock?: No. Each payment has its own clock from the moment it captured. Refunding the upgrade top-up reverts the engagement to the lower tier · the original Consultation fee's window is independent (and, in nearly every case, already elapsed and consumed because the engagement progressed).

Questions? support@chitragupt.ai · Related: Terms · Privacy