Refund Policy

1. How Payments Work on Palmaestro

Palmaestro uses a single credit wallet. You buy credits in packs ("top-ups") and spend them on paid chat messages with AURA and on PDF reports. 1 credit = ₹1. Current packs and prices are listed on our Pricing page.

Top-ups made on the website or through a WhatsApp payment link are processed by Razorpay. Palmaestro never receives or stores your card, UPI or bank account details.

Top-ups made inside the Palmaestro iOS or Android app are billed by Apple or Google under their own terms (see section 7).

Paid credits do not expire. Bonus credits that come with a pack expire 90 days after purchase. Free credits given at sign-up or in a promotion expire as stated when they are given.

When you spend credits, free and bonus credits are used first, and paid credits after them.

Palmaestro has no subscriptions or auto-renewing plans. You are charged only when you choose to top up.

2. Refunds of Unused Credits

A. Within 7 Days of a Top-up

You may request a refund of a top-up within 7 days of the payment. We refund the lesser of (i) the amount you paid for that top-up and (ii) the paid credits still unspent in your wallet when we process the request. The refunded paid credits are removed from your wallet, together with any bonus credits that came with that pack.

B. After 7 Days

Unspent paid credits stay in your wallet and remain usable. After 7 days they cannot be refunded or exchanged for money, except as set out in section 3 or where applicable law requires otherwise.

C. Free and Bonus Credits

Free, promotional and bonus credits have no cash value and are never refunded or converted to money.

3. Payment Problems

A. Payment Deducted but Credits Not Received

If your payment succeeded but the credits did not appear in your wallet, please contact us. After verifying the payment, we will either add the credits to your wallet or refund the payment in full, as you prefer. Some failed or incomplete payments are reversed automatically by your bank or payment provider; we will tell you if that applies to yours.

B. Duplicate Payment

If you were charged more than once for the same top-up, the extra payment will be refunded in full after verification.

C. Incorrect Amount Charged

If you were charged an amount different from the price shown at checkout, the difference will be refunded in full after verification.

4. PDF Reports

A. Report Not Generated

PDF reports are paid for with credits. If a paid report fails to generate, the credits it cost are returned to your wallet automatically, each to the balance it came from (paid or free). If you were charged for a report that neither arrived nor had its credits returned, please contact us.

B. Report Defective Because of Our Error

If a delivered report is defective because of an error on our side, for example a corrupt or incomplete file, or a report generated for details different from the ones you submitted, we will, at your choice, regenerate the report or return its credits to your wallet.

C. Report Delivered

Once a report has been generated and delivered to you, it is not refundable, except under section 4B.

D. How Report Refunds Are Made

Refunds for reports are made as credits returned to your wallet, not as money to your payment method. Returned paid credits are treated in the same way as the paid credits that bought the report.

5. Chat Messages

Each paid message to AURA is charged when AURA replies, and an answered message is not refundable. If you were charged for a message that AURA did not answer because of a technical error on our side, we will return those credits on request.

6. Non-Refundable Situations

A refund will not be issued in any of the following situations, except where sections 3, 4B or 5 apply:

• A report has been generated and delivered, or a paid message has been answered.
• The request is for free, promotional or bonus credits.
• The request concerns unspent paid credits more than 7 days after the top-up (see section 2B).
• The user provided incorrect, incomplete or inaccurate information, such as birth details or palm images, and the report or reading was generated from it (see section 8).
• The user changes their mind after a report has been generated or delivered.
• The user does not agree with, like or find the interpretation satisfactory, or does not obtain an expected or desired result from an astrology, palmistry, numerology, tarot or other interpretive service.
• The credits were forfeited when the user deleted their account (see section 9).
• The refund request itself is fraudulent, or forms part of a pattern of abuse of the refund process.

Astrology, palmistry, numerology and tarot services involve interpretive content and do not guarantee any particular outcome. Refund eligibility is therefore never determined by whether a user agrees with a reading or receives the outcome they expected.

7. Purchases Made Through Apple or Google

Top-ups bought inside the iOS or Android app are billed by Apple or Google, and Palmaestro cannot refund them directly. To request a refund, use Apple's Report a Problem page (reportaproblem.apple.com) or Google Play's order history. If Apple or Google refunds a purchase, the credits from that purchase, together with its bonus credits, are removed from your wallet to the extent they remain there.

8. Incorrect Information Provided by the User

Users are responsible for ensuring that the information they submit is accurate. This includes, where applicable:

• Name
• Date, time and place of birth
• Palm images
• Gender or other information requested by the service
• Contact information
• Any other information required to generate the selected service

If a report is generated from incorrect information you submitted, it is not eligible for a refund. If you notice a mistake while a report is still being generated, contact us immediately: where generation has not finished, we may be able to stop it and return its credits to your wallet.

9. Account Deletion

Deleting your account permanently forfeits all unspent credits in your wallet, paid and free. Before the deletion goes ahead you will be shown your unspent paid balance and asked to confirm. If you would like a refund of a recent top-up, request it under section 2 before deleting your account.

10. How to Request a Refund

Email admin@palmaestro.com with:

• The phone number or email address registered with your Palmaestro account
• The Razorpay Payment ID (it begins with "pay_" and appears in your Razorpay receipt) or Apple/Google order ID, if you have it
• The date and amount of the payment
• The name of the report, if your request is about a report
• The reason for the request, with screenshots where helpful

We will acknowledge your request within 48 hours and tell you our decision within 7 business days.

11. Refund Review

All refund requests are subject to verification. We may review payment records, wallet and order history, report-generation status, delivery records and technical logs to decide a request. Submitting a request does not by itself guarantee a refund.

12. Refund Processing

Credits returned to your wallet are available immediately. Refunds to your payment method are initiated through Razorpay within 7 business days of approval, to the same card, UPI account, bank account or wallet you paid with. The time taken for the amount to reach your account then depends on your bank, card issuer, UPI provider or payment provider.

13. Payment Gateway Charges

Refunds for duplicate payments, incorrect charges, credits that were not delivered, or any other error on our side are made in full. For a refund of unused credits under section 2A, payment gateway charges that are not returned to us may be deducted from the refund amount; if they are, we will tell you the amount deducted.

14. Payments From Outside India

Prices are charged in Indian Rupees (INR) and refunds are made in INR to the original payment method. Currency conversion differences and fees charged by your bank or card issuer are outside our control and are not refunded by Palmaestro.

15. Your Rights

Nothing in this Policy limits any right you have under the Consumer Protection Act, 2019 or any other applicable law. If you are not satisfied with how a refund request was handled, you may contact our Grievance Officer at the address below.

16. Changes to This Refund Policy

We may update this Refund Policy from time to time. Changes will be published on this page with a new "Last Updated" date. Material changes will be notified in advance as described in our Terms & Conditions, and a change never applies to a refund request made before it takes effect.

17. Contact Us

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

Email: admin@palmaestro.com

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