Cancellation Policy

1. No Subscriptions to Cancel

Palmaestro has no subscriptions, memberships or auto-renewing plans. You pay only when you choose to top up your credit wallet, so there is nothing recurring to cancel and you will never be charged automatically. You can stop using Palmaestro at any time, and no further charges will be made.

2. Credit Top-ups

A. Before Payment Is Completed

You can cancel a top-up at any time before the payment is completed by closing the checkout or leaving the payment link unpaid. No amount is charged.

B. After Payment Is Completed

A completed top-up cannot be cancelled as such, because its credits are added to your wallet straight away. You can, however, request a refund of unused credits from a top-up within 7 days of the payment, as set out in section 2 of the Refund Policy.

3. PDF Reports

A. Reports Start Immediately

A PDF report begins generating as soon as you buy it, and you cannot cancel it yourself once it has been bought. Please check the details on your profile, including your name and birth details, before you buy a report.

B. Mistakes Spotted During Generation

If you notice a mistake while a report is still being generated, contact us immediately. Where generation has not finished, our support team may be able to stop it and return its credits to your wallet. This is not possible once the report has been delivered.

C. Reports That Fail

If a paid report fails to generate, it is cancelled automatically and the credits it cost are returned to your wallet. You do not need to request this.

4. Chat Messages

A paid message to AURA is charged when AURA replies, and an answered message cannot be cancelled. You can stop chatting at any time; messages you do not send are never charged.

5. After a Report Has Been Delivered

Once a report has been generated and delivered or made available to you, it cannot be cancelled. This applies even where:

• You have not opened or downloaded the report.
• You change your mind.
• You disagree with the interpretation.
• You expected a different result.
• You no longer need the report.

If a delivered report is defective because of an error on our side, see section 4B of the Refund Policy.

6. Cancellation by Palmaestro

Palmaestro may cancel a purchase where:

• The service cannot be provided.
• There is a technical or operational issue.
• There is an apparent pricing or payment error.
• The transaction appears fraudulent or unauthorised.
• The user has violated the Terms & Conditions.
• Required information is unavailable or insufficient.
• Cancellation is necessary to comply with applicable law or regulatory requirements.

If we cancel a report before it is delivered, its credits are returned to your wallet. If we cancel a top-up, the payment is refunded to your original payment method and the credits from that top-up, including its bonus credits, are removed from your wallet.

7. Duplicate Payments

If you were charged more than once for the same top-up, the extra payment will be refunded in full after verification, as set out in section 3 of the Refund Policy.

8. Purchases Made Through Apple or Google

Top-ups bought inside the iOS or Android app are one-time purchases billed by Apple or Google; they do not renew and have nothing to cancel. Refunds for them are requested from Apple or Google, as described in section 7 of the Refund Policy.

9. Closing Your Account

You can delete your account at any time. Deleting your account permanently forfeits all unspent credits in your wallet; you will be shown your unspent paid balance and asked to confirm first. See section 9 of the Refund Policy.

10. How to Request a Cancellation

Contact us as soon as possible at admin@palmaestro.com with:

• The phone number or email address registered with your Palmaestro account
• The Razorpay Payment ID or Apple/Google order ID, if your request is about a top-up
• The name of the report and the time you bought it, if your request is about a report
• The reason for the request

Submitting a request does not guarantee cancellation; what is possible depends on the status of the purchase when we receive it.

11. Cancellation and Refund

Cancellation and refund are separate. Cancelling a purchase does not by itself mean a refund to your payment method: report cancellations are settled as credits returned to your wallet, and refunds to your payment method follow the Refund Policy.

12. Changes to This Cancellation Policy

We may update this Cancellation Policy from time to time. Changes will be published on this page with a new "Last Updated" date, and material changes will be notified in advance as described in our Terms & Conditions.

13. Contact Us

Palmaestro, 30, Maya Nagar, Ludhiana, Punjab - 141001, India

Email: admin@palmaestro.com

Grievance Officer: Mr. Harinder Singh (admin@palmaestro.com)