Refund & Cancellation Policy

This Refund & Cancellation Policy applies to every paid product and service on CosmoNim (CosmoNim.com) and our mobile and web apps — prepaid wallet top-ups, Silver, Gold, Platinum and Family subscriptions, per-minute consultations with human astrologers, AI readings and PDF reports generated by our AI astrologer Nim, items from our spiritual store, and pooja bookings. It applies to consumer accounts as well as to B2B white-label astrologers who purchase services for their own clients, unless a separately signed commercial agreement says otherwise.

CosmoNim is operated from India and this policy is governed by Indian law, including the Consumer Protection Act 2019, the Information Technology Act 2000 and the rules and circulars issued by the Reserve Bank of India that apply to our payment partner Razorpay. Nothing in this policy takes away any right you have as a consumer under Indian law; where this policy and the law conflict, the law wins.

Please also remember what CosmoNim is. Nim is openly an AI astrologer — it never pretends to be a human — and all readings, whether from Nim or from a human astrologer in our marketplace, are meant for guidance, self-reflection, planning and entertainment. They are not a substitute for professional medical, legal, financial or psychological advice. A refund cannot be claimed merely because a prediction did not come true or because you disagreed with the guidance.

Your CosmoNim wallet is a prepaid balance, held internally in paise, that you load in advance and then spend across the platform — on per-minute consultations, AI readings and reports, pooja bookings and eligible store purchases. A wallet top-up is treated as the purchase of stored value, not as a deposit you have parked with us. For this reason, money once successfully credited to your wallet is generally non-refundable and cannot be reversed simply because you changed your mind.

The two clear exceptions are technical ones: a duplicate top-up (you were charged twice for the same intended load) and a failed top-up (your bank or card was debited but the balance never reflected in your wallet). In both cases we reverse the extra or stuck amount once Razorpay confirms the transaction status — see the dedicated failed/duplicate payments section below for timelines.

Your wallet balance does not expire as long as your account is active, and it stays usable across every part of CosmoNim. Wallet balance is not a bank deposit, earns no interest, and is not ordinarily withdrawable to your bank account. We will return an unused wallet balance to your original payment source only where Indian law or an RBI direction requires us to — for example, if we permanently discontinue the service or close your account without cause — after deducting any amount you genuinely owe us.

CosmoNim subscriptions — Silver, Gold, Platinum and Family — are billed in advance for a fixed billing cycle, either monthly or annually depending on the plan you choose at checkout. Unless you turn it off, your subscription renews automatically at the end of each cycle using your saved Razorpay payment method, and we charge the then-current price plus 18% GST where applicable. The Free plan is, of course, never charged.

You can cancel auto-renewal at any time from Settings → Subscription in the app, or by writing to billing@cosmonim.com. Cancellation stops the next renewal; it does not, by itself, end your current paid period. You keep all the entitlements of your plan — monthly AI reading credits, priority access to Nim, discounted consultation rates, Family member slots and so on — until the end of the cycle you have already paid for. After that, your account moves to the Free plan and any unused, plan-specific monthly credits lapse.

We do not give pro-rata refunds for the unused part of a billing cycle once it has begun, except where the Consumer Protection Act 2019 or other Indian law requires it — for example, if we materially reduce the features you paid for, or if we have charged you in error. If you upgrade mid-cycle, we adjust the difference fairly against your remaining period; if you downgrade, the change usually takes effect from your next renewal.

In our marketplace you can connect with verified human astrologers over chat, voice or video, billed per minute at the rate shown on each astrologer's profile. The cost is deducted live from your wallet as the session runs, which is why you need enough balance before you start. The clock begins only when the astrologer joins and the session actually connects, not while you are waiting in the queue.

If a session is cut short by a technical fault on our side — a dropped call, the astrologer disconnecting, or a platform error — we credit back the minutes you were charged for but did not receive. If the astrologer fails to show up for a scheduled or accepted consultation, you are not charged at all, and any amount blocked or deducted for that booking is returned to your wallet in full. Where appropriate, we may also offer a wallet credit as a goodwill gesture.

If you are genuinely dissatisfied with a consultation — for instance, the astrologer was unprofessional, ended early without reason, or clearly did not address the question you raised — raise a dispute within 7 days of the session through Consultations → History → Report an issue. Our support team reviews the chat transcript or call metadata and, if your complaint is justified, issues a wallet credit or refund for the affected minutes. A refund will not be given simply because you did not like the prediction or the advice itself.

Many CosmoNim products are digital goods that are computed from your birth details and delivered instantly — a reading from Nim, a kundli or birth-chart report, compatibility and matchmaking reports, dasha and transit analyses, and downloadable PDFs. The moment one of these is generated and shown or made available to download, it has been fully delivered and consumed. In line with consumer-protection norms for instantly supplied digital content, these items are generally non-refundable once generated.

There are sensible exceptions. If a report is never generated even though your wallet or card was charged, or it is produced from birth details that our system recorded incorrectly through a fault on our side, we will regenerate it correctly at no extra cost or refund the amount to your wallet. We cannot, however, refund a report that came out as expected simply because you did not like its contents, or because the birth date, time or place you entered yourself was wrong — in that case we will usually let you regenerate it once with the corrected details as a courtesy.

Our spiritual store ships physical products across India — gemstones, rudraksha, yantra, books and curated remedy kits. You may request a return or replacement within 7 days of delivery if the item arrives damaged, defective, or is not what you ordered (wrong product, wrong specification or missing items). To start a return, raise a request from Orders → Return/Replace within the window and keep the item unused, in its original packaging, with the invoice and, ideally, an unboxing photo or short video that clearly shows the issue.

When the return is due to our error or a damaged or defective product, CosmoNim bears the return shipping. When a return is for any other accepted reason, the return shipping is borne by you. Some categories are non-returnable by their very nature: gemstones or rudraksha that have been energised (pran-pratishtha) on your request, personalised or custom-engraved items, opened books, and any product whose seal or tag has been broken — unless such an item was itself damaged or defective on arrival.

Once we receive the returned item and confirm its condition, an approved refund is sent to your original payment method within about 5 to 7 business days, or credited to your CosmoNim wallet immediately if you prefer that. Where you opt for a replacement instead, we ship the correct item at no extra cost once the original is on its way back to us.

When you book a pooja through CosmoNim, we coordinate the date, the participating pandit or temple, the sankalp in your name and the required samagri, and much of this is arranged in advance of the scheduled time. Because of this preparation, cancellation rights depend on how early you cancel relative to the scheduled pooja.

If you cancel more than 48 hours before the scheduled start, you receive a full refund to your wallet or original payment method. If you cancel between 48 and 24 hours before, we refund the booking amount after deducting any non-recoverable samagri and arrangement costs already incurred. Within 24 hours of the scheduled time, or once the pooja has begun or been performed, the booking is non-refundable, since the sankalp and arrangements have effectively been committed in your name. If CosmoNim or the pandit has to cancel or reschedule a pooja for any reason, you may choose a free reschedule or a full refund.

All payments on CosmoNim are processed by Razorpay. Occasionally money leaves your account but the order or wallet top-up does not complete — a failed payment — or you are charged more than once for the same intended purchase — a duplicate payment. You do not need to chase these manually: our system reconciles transactions with Razorpay and triggers a reversal for any amount that was debited without a corresponding successful order.

For a genuinely failed payment, banks usually auto-reverse the debited amount to the original source within 5 to 7 business days, and sometimes sooner, depending on your bank and card network; the exact timeline is governed by RBI norms and is in the hands of the bank, not CosmoNim. For a confirmed duplicate charge, we refund the extra amount to the original payment method within the same window, or credit it to your wallet immediately if you ask us to. If a debit still has not reversed after 7 business days, write to us with the Razorpay payment id and we will follow it up with the payment partner on your behalf.

The fastest way to raise most refund or cancellation requests is from within the app — Orders, Consultations or Subscription, each has a dedicated cancel or report option as described above. If you would rather write to us, or your case does not fit a button, email support@cosmonim.com (for orders, consultations, store and pooja) or billing@cosmonim.com (for subscriptions and wallet). Always include your registered email or phone number, the order, booking or Razorpay payment id, and a short description of the problem; for damaged store items, attach a photo or video. We acknowledge refund requests within 2 business days and aim to resolve them within 7.

On taxes: CosmoNim prices include 18% GST where the law applies it. When we refund a purchase, the GST component is refunded together with the base amount, so the total you get back matches what you actually paid. Where GST credit notes are required — typically for our B2B white-label astrologer customers — we issue them in line with Indian GST rules. This policy works alongside our Terms of Service and Privacy Policy; if you believe a charge is wrong, please reach out to us first so we can put it right quickly, without you having to escalate elsewhere.