KChat — Cancellation & Refund Policy
Effective Date: 8 September 2026 · Version: 1.0 (public beta edition)
This Policy forms part of the Terms of Service. It explains how to cancel, when you get money back, and how long it takes.
1. Cancelling a plan
You can cancel at any time, online, from your account page at
chat.the-karya.com/account. It takes the same number of steps as
subscribing. No phone call, no email, no retention gauntlet.
- Cancellation stops the next renewal.
- You keep your monthly allowance until the end of the month you have already paid for. Nothing is charged after that.
- We do not pro-rate the unused part of the current month, except where §3 or a mandatory law applies.
After your plan ends: the app can no longer send messages, but everything on your computer stays there — readable, searchable, and exportable. Top-up balance stays on your account and is usable again if you resubscribe.
2. Auto-renewal
Plans renew automatically each month until you cancel. Before you pay we show you the rupee amount, the dollar reference price, the billing period, and the renewal date, and you must affirmatively agree to them. Razorpay sends a receipt after every charge, and — where the law requires — we send advance notice before a price increase.
Because prices are set in US dollars and charged in Indian rupees, the rupee amount can move with the exchange rate between renewals. The account page shows the current amount.
To stop auto-renewal: cancel from the account page before the renewal date.
3. EU/EEA and UK consumers — 14-day right of withdrawal
If you are a consumer in the EU, EEA, or UK you may withdraw from a purchase within 14 days, without giving a reason.
How. Email support@the-karya.com, or use the cancellation option in your account, or send the form in §9. Any clear statement works.
Refund. Where the right applies and you have not lost it (see the box below), we refund everything you paid within 14 days of being told, by the same payment method, at no cost to you. If you have already used some of your allowance, we may deduct a proportionate amount for that — see below.
⚠️ Important — immediate access
The Service gives you immediate access to AI usage. Where, at purchase, you confirm that you want us to start immediately and that you understand you lose your right of withdrawal once we do, the 14-day right no longer applies after you have started using your allowance.
If you confirmed this but have not used any of your allowance, contact us — we will normally refund anyway.
If you have used some of your allowance, we may deduct a proportionate amount for what you consumed and refund the rest.
This section overrides §4 for EU/EEA/UK consumers.
4. General refund position
Outside the statutory rights above and any other mandatory law, plan fees and top-ups are non-refundable. Allowance is consumed on use and the AI processing cost is incurred immediately.
5. When we always refund
We refund in full, without argument, where:
| Situation | What happens |
|---|---|
| We charged you in error — duplicate, wrong amount, charge after cancellation | Full refund |
| A top-up was paid but not credited to your account | Credited, or refunded if you prefer |
| You were billed for requests that failed and the allowance was not restored | Allowance restored, or refunded if you prefer |
| The gateway was materially unavailable for an extended period during your paid month, including through a beta defect | Pro-rata refund or credit, your choice |
| We materially changed or removed a paid feature you were actively using mid-month | Pro-rata refund of the unused period |
| We terminated your account without cause | Pro-rata refund of the unused period, and of unused top-up balance |
| A refund is required by law in your jurisdiction | Full compliance |
6. When we do not refund
- Change of mind after you have used your allowance (outside the EU/UK withdrawal right).
- Dissatisfaction with AI output quality. AI output is probabilistic and we make no warranty as to quality — see Terms §11. Tell us anyway; if something is genuinely broken we want to know and will usually make it right.
- Unused allowance at the end of a month. Allowance does not carry over.
- Loss of chats or files on your computer. They were never on our servers, and we cannot restore them — see Terms §9. Export regularly.
- Termination for breach of the Terms or the Acceptable Use Policy.
- Unused top-up balance on voluntary account closure.
- Exchange-rate movements between the dollar reference price and the rupee amount charged.
- Third-party outages outside our reasonable control, beyond any applicable service-level credit under an Enterprise agreement.
7. How to request a refund
Email support@the-karya.com with:
- The email address on your account
- The transaction date and amount, or the payment reference from your Razorpay receipt
- What went wrong
Timelines:
| Stage | Time |
|---|---|
| We acknowledge | 2 business days |
| We decide | 7 business days |
| We instruct the refund | 2 business days after approval |
| Money reaches you | 5–10 business days (bank dependent) |
| EU/UK withdrawal refunds | Within 14 days of your notice |
Refunds go back to the original payment method, in rupees, for the rupee amount charged. We cannot refund to a different method or account.
If you disagree with a decision, reply and ask for escalation — a second person reviews it. See Contact & Grievance.
8. Chargebacks
Please talk to us first — we can usually resolve it faster than your bank can. If you raise a chargeback we may suspend the account while the dispute is open. If it is resolved in our favour we may require the outstanding amount to be settled before restoring access. Your data on your computer is never affected.
9. Model withdrawal form
(EU/EEA/UK consumers only. You do not have to use this form.)
To: Karya, New Delhi, India — support@the-karya.com
I hereby give notice that I withdraw from my contract for the supply of the following service:
Ordered on: ______________ Account email: ______________ Name: ______________ Address: ______________ Date: ______________ Signature (if on paper): ______________
10. Taxes on refunds
Where we charged GST, a refund includes the GST charged. Where only part is refunded, the GST is refunded proportionately.
11. Contact
Karya — New Delhi, India support@the-karya.com · chat.the-karya.com