Refund and Cancellation Policy

The short version

• Cancel before your setup call: full refund of the setup fee.
• Cancel after the setup call: the setup fee is not refundable, because work starts at that call.
• We miss our deadline: if we cannot deliver the agreed scope within 14 days after all your inputs and any platform approvals are in place, you can cancel and get the full setup fee back, plus any care-plan month already charged. This is the one rule on late delivery in all our documents.
• Monthly care plan: first month is billed at go-live, then monthly in advance. Cancel anytime. It stops from your next billing date. No partial-month refunds.
• Platform charges (Meta, Google, telecom, AI model APIs): never refundable by us.
• Timelines: we decide on a complete request within 5 business days. Approved refunds are sent to your original payment method within 7-10 business days, GST included, with no gateway fees deducted.
• USD purchases: paid by card through a Stripe payment link. Refunds are issued by us through Stripe under this policy (see clause 1.4).
• To ask: email support@bharataisaathi.com or WhatsApp +91 77352 68199.

The full rules are below. If anything here and anything below ever differ, the numbered clauses below apply.

1. What this policy covers

1.1 This policy applies to every setup and monthly care plan bought from Bharat AI Saathi (operated by Jayadev Rana, Bhubaneswar, Odisha, India) through bharataisaathi.com, WhatsApp or email, whether priced in INR (India catalog) or USD (global catalog).

1.2 Every setup has a fixed scope, a one-time setup fee paid before work starts, and a monthly care plan. The first care-plan month is billed at go-live; after that the care plan is billed monthly in advance on your billing date. There is no lock-in.

1.3 Words used in this policy:

• Setup call means the 20-minute call where we confirm the scope of your setup and collect what we need to build it.
• Work starts when the setup call takes place. A call that is rescheduled before it begins does not count. This is the same definition used in clause 1 of our Terms of Service.
• Client inputs means the information, files, logins, access and approvals we ask you for so we can deliver the setup.
• Third-party approvals means any platform approval, verification or account review that a setup depends on, for example Meta WhatsApp Business verification or Google Ads account approval, as described in clauses 3.2 and 5.2 of our Terms of Service.
• Go-live means the day we confirm to you that the setup is live and working as described in its fixed scope.
• Billing date means the date each month on which your care plan is charged.
• Business day means Monday to Saturday, excluding Indian national holidays and Odisha state public holidays.

1.4 USD purchases. USD purchases are paid by card through Stripe payment links. Stripe does not act as seller; refunds are issued by us through Stripe under this policy. INR purchases are paid through Razorpay (UPI, cards, net banking) or by bank transfer.

2. Setup fee refunds

2.1 Before the setup call. You can cancel at any time before your setup call starts and we will refund the setup fee in full. You do not need to give a reason.

2.2 After the setup call. Work starts when the setup call takes place. From that moment the setup fee is non-refundable, except under section 3. This includes situations where you change your mind, no longer need the setup, or stop responding to us.

2.3 Moving the call. If you need to reschedule, tell us before the call starts. A call that is rescheduled before it begins does not count as having taken place, so clause 2.1 still applies until the rescheduled call happens.

2.4 Why the fee is non-refundable after the call. Setups are small, fixed-scope jobs and we start building on the call. The setup fee pays for that work, which cannot be un-done once started.

2.5 One rule. This section is the single rule on setup-fee refunds before and after work starts. Clauses 4.2, 4.8 and 11.2 of our Terms of Service refer to it; if any wording differs, this section applies.

3. Our 14-day delivery promise

3.1 Normal delivery times. India setups go live within 48 hours of the setup call. Global setups go live within 2-14 days. These are our targets. Missing a target by itself does not entitle you to a refund; the promise in clause 3.2 is your refund right for late delivery.

3.2 The promise. If we cannot deliver the agreed scope within 14 days after all your client inputs and any third-party approvals are in place, you may cancel and we will refund the setup fee in full. This refund is your only remedy for late delivery. Clause 5.4 of our Terms of Service says the same.

3.3 When the 14 days start and pause. The count starts on the day we have received every client input we asked for and every third-party approval the setup depends on is in place. The count pauses while any client input is missing, or a login or access does not work, and while any platform approval, verification or outage described in clauses 3.2 and 5.2 of our Terms of Service is pending. We will tell you when the count pauses and when it resumes.

3.4 What "deliver" means. The setup is live and working as described in its fixed scope. Requests that fall outside the fixed scope are handled separately and do not count toward or against the 14 days.

3.5 Care plan amounts. The first care-plan month is normally billed at go-live, so nothing is charged for a setup that never goes live. If the first care-plan month was collected with the setup fee and the setup is cancelled under this section, it is refunded in full together with the setup fee.

3.6 Faults after go-live. If a setup does not work as scoped after go-live, we fix it under the Service Level Agreement. If we cannot fix it within 14 days, we refund the setup fee, which is your full remedy. Clause 10.3 of our Terms of Service says the same.

3.7 Platform charges (see section 5) are not refunded under this section.

3.8 One rule. This section is the single rule on late delivery and faults we cannot fix. Clauses 5.4 and 10.3 of our Terms of Service and clause 12.7 of our Service Level Agreement refer to it; if any wording differs, this section applies.

4. Cancelling the monthly care plan

4.1 The first care-plan month is billed at go-live. After that, the care plan is billed monthly in advance on your billing date. You can cancel at any time. There is no minimum term and no cancellation fee.

4.2 Cancellation takes effect from your next billing date. You keep the care plan until the end of the month you have already paid for.

4.3 No partial-month refunds. If you cancel part-way through a month, the remaining days of that month are not refunded.

4.4 Timing. Send your cancellation request before your billing date to avoid the next charge. A request received on or after a billing date takes effect from the following billing date.

4.5 After the care plan ends. When the care plan ends for any reason, the hosted automation is switched off 7 days after the last paid day. During those 7 days you can ask us for an export of your data. Exported data is deleted from our systems 30 days after termination. Unhosted deliverables (Pine Script, MQL5 EAs, bridge software) stay with you under a perpetual, non-transferable licence for your own use, without updates or support.

5. Platform charges are never refundable

5.1 Some setups run on third-party platforms that charge for usage. Examples: Meta WhatsApp Cloud API conversation fees, Google Ads spend, telecom charges, and AI model API usage (Anthropic, OpenAI) where applicable.

5.2 These platform charges are billed separately, or directly to you by the platform. They are not part of the setup fee or the care plan.

5.3 Platform charges are never refundable by Bharat AI Saathi, in any situation, including when a setup fee is refunded under section 2 or section 3. Any refund of a platform charge is governed by that platform's own policy, not this one.

6. How refunds are paid

6.1 Approved refunds are processed within 7-10 business days of our approval.

6.2 Refunds go only to the original payment method used for the purchase: UPI, card or net banking via Razorpay, or bank transfer, for INR payments; card via Stripe for USD payments. We cannot refund to a different account or in cash.

6.3 After we process a refund, your bank, UPI app or card network may take additional time to show the credit in your account.

6.4 Taxes and fees. Refunds of Indian invoices are made against a GST credit note and include the GST charged. We do not deduct payment-gateway fees from an approved refund.

7. Disputes and chargebacks

7.1 Talk to us first. If you are unhappy with anything, contact support (section 9). We respond within 1 business day and most issues are resolved at this step.

7.2 Escalation. If you are not satisfied with support's answer, ask for a founder review. The matter will be reviewed by Jayadev Rana, Founder and CEO, and you will receive a written decision within 2 business days.

7.3 Chargebacks. Raising a chargeback or payment dispute with your bank, card provider or payment app is your right. Contacting us first is usually faster, because we can refund under this policy without waiting for the dispute process. If a chargeback is raised on an amount that this policy says is non-refundable, we will respond to the payment provider with evidence, including your order record, confirmation that the setup call took place, delivery records, and our messages with you.

7.4 Open chargebacks on care-plan payments. While a chargeback is open on a care-plan payment, the care plan for that period is treated as unpaid and clause 12.6 of our Service Level Agreement (late payment) applies after the same grace period and notice. We do not pause a live setup because of a chargeback on a setup fee.

7.5 If a chargeback is decided in your favour, the matter is closed. If it is decided in our favour, the original payment stands and this policy continues to apply.

7.6 Governing law. This policy is governed by the laws of India. Any dispute that cannot be settled between us through good-faith negotiation within 30 days will be referred to arbitration by a sole arbitrator under the Arbitration and Conciliation Act, 1996, seated in Bhubaneswar, Odisha, conducted in English. Small claims may be brought before the courts of Bhubaneswar, Odisha.

8. Changes to this policy

8.1 We may update this policy from time to time. The date at the top shows when it was last changed.

8.2 The version of this policy in force on the date you made a payment applies to that payment.

9. How to request a refund or cancellation

9.1 Send your request to either:

• Email: support@bharataisaathi.com
• WhatsApp: +91 77352 68199

Support hours are Monday to Saturday, 10:00-19:00 IST, excluding Indian national holidays and Odisha state public holidays. We reply within 1 business day.

9.2 Please include:

1. The name, phone number or email you used when you paid.
2. The setup you bought (service and business type).
3. Your payment reference (Razorpay, UPI, bank transfer, card or Stripe payment-link receipt).
4. What you are asking for: cancel before the setup call, refund under the 14-day promise, refund for a fault we could not fix, or care plan cancellation.
5. A short note on why, if you wish.

9.3 What happens next. We confirm we have received your request within 1 business day and check it against this policy. We give our decision within 5 business days of receiving a complete request, and tell you the amount to be refunded, if any. Approved refunds are then paid as described in section 6.

9.4 The date we receive your message is the date used for every deadline in this policy.

10. Who we are

Bharat AI Saathi is operated by Jayadev Rana, an AI-first product business founded in 2022 and based in Bhubaneswar, Odisha, India.

• Founder and CEO: Jayadev Rana
• Address: Bhubaneswar, Odisha, India. The full postal address appears on every invoice and is available on request.
• GST: charged on Indian invoices where applicable; our GSTIN is printed on the invoice. Listed INR prices are exclusive of GST.
• Email: support@bharataisaathi.com
• WhatsApp: +91 77352 68199