Refund and cancellation policy
What is refundable, what is not, how to ask, and how long the money takes to come back.
Last updated 27 August 2026
Digital reports are generated on demand and are non-refundable once delivered, except where a technical fault prevented delivery.
We refund in full
- You were charged and no report was delivered.
- The report failed to generate, arrived incomplete, or the file will not open.
- You were charged twice for the same order.
- The report was produced for the wrong inputs because of a fault on our side.
- You bought a consultant pack and no credits were added to your account.
- We withdrew or discontinued a product you had paid for and not yet received.
We do not refund
- A correctly delivered report you disagree with. The reading is the product; disliking it is not a fault.
- A report generated from inputs you entered incorrectly. Check the spelling and the dates on the confirmation screen before you pay.
- Credits already spent from a consultant pack. Unused credits can be refunded pro rata within 14 days.
- A change of mind after the file has been delivered, since a digital document cannot be returned.
- An outcome in your business that did not match what you hoped the reading implied. Nothing here forecasts outcomes, and the disclaimer says so before you buy.
Why immediate delivery matters
Reports are generated on demand and delivered within about a minute of payment. Under Indian consumer rules and comparable rules elsewhere, a digital product that has been delivered at your request cannot generally be returned. That is why the free calculators exist, why the sample report is published in full, and why the checkout page shows you your inputs before it takes the money. Use all three before you buy.
Cancelling before delivery
If you have paid but the report has not yet been generated, write to us straight away and we will cancel and refund it. There is nothing to cancel afterwards, because there is nothing recurring: reports are one-off purchases, there is no subscription, and no card is kept on file for future charges.
How to raise a request
- Email tirgiji@gmail.com, or use the contact form and choose "Payment or refund".
- Include your order reference, the email address used at checkout, and what went wrong.
- If a file is broken, attach it or tell us what you see, so we can reproduce the fault.
Raise it within 7 days of the charge. We acknowledge within two working days and decide within seven. If we can fix the problem by regenerating or repairing the report, we will offer that first; you are free to take the refund instead.
How the money comes back
- Refunds go to the original payment method. We cannot send a refund anywhere else.
- Razorpay refunds typically reach an Indian bank account, card or UPI within 5–7 working days once we approve them.
- Stripe refunds typically reach an international card within 5–10 working days, depending on the issuing bank.
- The refund is for the amount you were charged. Currency conversion differences and any fee applied by your own bank are outside our control.
- Taxes charged on the order are refunded with it.
Chargebacks
Please contact us before raising a chargeback with your bank. A chargeback locks the funds for weeks and stops us fixing the problem. If a chargeback is raised for an order that was properly delivered, we will contest it with the delivery record, and the account may be suspended.
Access to what you bought
Download links stay live for 365 days and your reports remain listed in your dashboard for the same period. Losing a link is not a reason for a refund — write to us and we will reissue it.
Contact
Cosmic Business — tirgiji@gmail.com. This policy forms part of our terms of service.