💳 REFUND AND CANCELLATION POLICY

This Refund and Cancellation Policy governs purchases of Credits and paid audio-conversation services offered through the Infiniti Talks mobile application. It forms part of the Infiniti Talks Terms and Conditions.

Infiniti Talks is operated by Infinititalks Wellness Private Limited. Payments may be processed through Razorpay, UPI networks, banks, card networks and other approved payment providers.

1. KEY DEFINITIONS

• • Purchased Credits means the in-application balance added after a successful paid recharge.
• • Promotional Credits means free or compensatory Credits granted by Infiniti Talks, including any introductory free-minute offer.
• • Successful Payment means a transaction confirmed as successfully received through the payment provider and for which the corresponding Credits have been added or are due to be added.
• • Connected Call means an audio call successfully connected between eligible participants, as recorded by Platform systems.

2. REVIEW BEFORE PAYMENT

Before confirming a recharge, the Application will display the Credit package value, applicable GST, total amount payable, Credits to be added and the applicable usage charge. Users must verify the selected package and payment details before authorising payment.

3. GENERAL NON-REFUNDABLE RULE

Except where a refund, reversal or another remedy is required under applicable law, a payment-network rule, a regulatory direction or an order of a competent authority, successfully purchased and credited Credits are final and non-refundable in cash for:

• • Change of mind or accidental selection of a Credit package confirmed by the User
• • Voluntary non-use or partial use of Credits
• • Personal dissatisfaction with a conversation where the Platform delivered the paid connection
• • A call voluntarily ended by the User or Voice Companion
• • Poor internet, device, microphone or operating-system performance not attributable to Infiniti Talks
• • Unavailability, rejection or missed response of a particular Voice Companion
• • Account restriction or suspension caused by the User's violation of the Terms
• • Promotional Credits, which have no cash value

This rule does not remove any non-waivable right available under Indian consumer law.

4. WHEN A REMEDY MAY BE PROVIDED

Infiniti Talks will investigate a properly reported issue in the following circumstances:

5. FAILED OR PENDING PAYMENTS

If money is debited but the transaction is shown as failed or pending and no Credits are added, the User should first allow the payment provider's standard reconciliation period.

Where Razorpay, the relevant bank, UPI network or payment provider confirms that Infiniti Talks did not receive the amount, the payment provider or bank will ordinarily process the reversal according to its own rules and timelines. Infiniti Talks will provide reasonable transaction-status assistance but cannot control a bank or payment network's processing time.

If Infiniti Talks receives the amount but the corresponding Credits are not added, Infiniti Talks will investigate and provide an appropriate Credit correction, reversal or refund.

6. CALL BILLING AND TECHNICAL ISSUES

• • Charging begins only after the audio call is successfully connected.
• • Ringing time, declined calls and missed calls are not chargeable.
• • Credits are deducted according to the connected duration and billing unit displayed in the Application.
• • Temporary disconnections, reconnections and partial minutes are handled according to the disclosed billing logic and Platform call records.
• • The User should promptly report a disputed deduction so relevant technical records remain available for review.

Where a verified technical error caused an excess deduction, the usual remedy is restoration or correction of the affected Credits. This does not prevent a cash refund or another remedy where required by applicable law.

7. PROMOTIONAL AND COMPENSATORY CREDITS

Promotional Credits, free-minute Credits and compensatory Credits:

• • Have no cash value
• • Cannot be withdrawn, sold, transferred or privately exchanged
• • Cannot be converted into a cash refund
• • May be subject to eligibility and anti-abuse rules
• • May be removed if obtained through duplicate Accounts, fraud, automation or misuse

The removal or expiry of Promotional Credits does not create a cash-refund entitlement.

8. UNUSED PURCHASED CREDITS

Purchased Credits presently do not expire merely due to passage of time and remain available until used or the Account is closed, subject to the Terms and applicable law.

Unused purchased Credits are not ordinarily refundable solely because the User no longer wishes to use the Platform. If the Company permanently discontinues the relevant paid service or closes an Account for reasons not caused by the User's violation, remaining purchased Credits will be handled in accordance with applicable law and the circumstances of closure.

9. ACCOUNT SUSPENSION OR TERMINATION

Promotional Credits may be cancelled when an Account is suspended or terminated. Purchased Credits will be handled under this Policy and applicable consumer law.

No refund is ordinarily available where suspension or termination results from fraud, sexual or abusive conduct, unauthorised recording, scam activity, chargeback abuse, duplicate Accounts, manipulation of Credits or calls, off-Platform payment requests, or another material violation by the User.

Nothing in this section permits confiscation of purchased value contrary to a non-waivable legal right.

10. CANCELLATION OF CALLS

A User or Voice Companion may end a call at any time. Ending a connected call stops future usage charges after the Platform records disconnection, but it does not reverse charges for the connected duration already used.

A missed, declined or unconnected call does not consume paid call Credits, except where a verified technical error occurs and is subsequently corrected.

11. HOW TO REPORT A PAYMENT OR REFUND ISSUE

Contact Infiniti Talks using the details in Section 15 and provide:

• • Registered mobile number
• • Transaction date and approximate time
• • Amount paid
• • Razorpay, UPI, bank or payment transaction ID
• • Screenshot or payment proof that does not expose an OTP, CVV, UPI PIN or password
• • Affected Credit balance or call details
• • A clear description of the requested correction

Incomplete information may delay investigation. Infiniti Talks may request additional non-sensitive evidence reasonably required to verify the transaction.

12. INVESTIGATION AND DECISION

1. Infiniti Talks records the complaint and verifies the Account and transaction.
2. Payment-provider status, Credit ledger and relevant call metadata are reviewed.
3. The Company may request clarification or supporting information.
4. The User is informed whether the request is approved, rejected or requires additional provider reconciliation.
5. An approved Credit correction, reversal or refund is initiated through the applicable method.

Ordinary complaints will be acknowledged within 24 hours and resolved within the period required by applicable law. A bank, Razorpay, UPI network or card network may require additional time after Infiniti Talks initiates or confirms a reversal.

13. METHOD OF APPROVED REFUND

Where a cash refund is approved, it will ordinarily be initiated to the original payment method. A different destination will be used only where permitted by law, supported by the payment provider and verified by Infiniti Talks.

Refund completion time depends on Razorpay, the bank, UPI network, card network and the original payment method. Infiniti Talks is not responsible for an external provider's delay after a valid refund has been initiated, but will provide reasonable status assistance.

Applicable GST and Credit balances will be adjusted as required for an approved refund or reversal.

14. CHARGEBACKS AND PAYMENT DISPUTES

A User should first report a genuine payment issue to Infiniti Talks. Fraudulent, knowingly false or duplicate chargebacks are prohibited. When a chargeback or payment dispute is raised, Infiniti Talks may temporarily restrict the affected Credits or Account while the payment provider investigates.

Nothing in this section prevents a User from exercising a lawful bank, payment-network or consumer remedy.

15. CONTACT AND GRIEVANCE INFORMATION

Infinititalks Wellness Private Limited

• • Email: partners@infinititalks.com
• • WhatsApp: +91 88676 47207
• • Website: www.infinititalks.com
• • Registered Office: No. 2-79/16-03, Barnes Plaza, Brahmavara, Udupi, Karnataka – 576213
• • Grievance Officer: J. Vinay Kumar, Founder & Chief Executive Officer

Never send an OTP, card CVV, UPI PIN, banking password or Account password through email or WhatsApp.

16. CONSUMER RIGHTS AND POLICY CHANGES

Nothing in this Policy limits a non-waivable right or remedy available under the Consumer Protection Act, 2019, applicable e-commerce rules, payment-system requirements or another law in force.

Infiniti Talks may update this Policy prospectively to reflect changes in payments, Credits, service operation or applicable law. The current version will state its effective date and will be made available through the website or Application.