Refund and Cancellation Policy

The Service is prepaid and metered in credits. Credits are consumed when a report runs, and a report that has run has cost us the work whatever you think of the result — so a spent credit is not refundable simply because the answer was unwelcome. What we do refund, without argument, is money that bought nothing and work that failed through our own fault.

There is no card form on this platform and there is not meant to be. You transfer the money from your own bank or UPI app, where your credentials already live, and then record the reference against your account. We match it against our bank and grant the credits.

Two things follow. Nothing here can charge you: there is no stored card and no automatic renewal, so a plan cannot quietly bill you again. And because a human matches each payment, a transfer occasionally needs chasing — which is a support question rather than a refund.

• You paid and the credits never arrived. If we cannot match a transfer, or matched it wrongly, we grant the credits or return the money in full. Quote the reference and the date.
• You were charged twice, or for the wrong amount. The difference goes back.
• A run failed because of a fault on our side. Tell us and we restore the credits it consumed. This is the same commitment the Terms of Service make.
• We could not deliver what you bought. If we withdraw a capability you had paid for and cannot give you an equivalent, we refund the unused part of what you paid for it.

• A report that ran and produced a result. The credit is spent — including where the analysis is not the answer you were hoping for. The analysis is a decision aid, not a verdict, and disagreeing with it is not a fault in it.
• A document that turned out to be unsuitable. An incomplete statement, the wrong period, or a file you did not have the right to upload is not something we can undo after the work has been done.
• Unused credits, as cash. Credits are for use on your own account and, as the Terms say, cannot be transferred or exchanged for money. They stay on your balance for you to spend.
• An account we close for abuse. Where we terminate an account for a serious breach of the Terms, unused credits are forfeited.

There is no lock-in and no notice period. Because nothing auto-charges, cancelling is simply a matter of not buying more credits — stop, and nothing further is taken.

To close the account altogether, write to support@zyxw.in from the address on it. Download any report you still need first: closing the account ends your access to the archive, and uploads and reports are deleted on the retention window described in the Privacy Policy.

Raise a ticket from the Support page in the application, or write to support@zyxw.in, within 30 days of the payment or the failed report. Include the payment reference or the report, and what went wrong.

We will tell you what we have decided and why. Where credits are being restored they appear on your balance immediately, and every movement is visible in your ledger. Where money is being returned it goes back to the account it came from — we do not send refunds anywhere else — and how quickly it appears is then a matter for your bank, usually a few working days.

Prices are exclusive of GST and other applicable taxes, which are added where required. A refund returns the tax charged on the refunded amount along with it.

We may update this policy as the platform changes. The date at the top of this page shows the current version, and the version in force when you paid is the one that applies to that payment.