Refund & Cancellation Policy

1. Overview

At Talksy, we are committed to customer satisfaction. This policy outlines our refund and cancellation terms for coin purchases and session bookings.

2. Coin Purchase Refunds

3. Session Cancellations

3.1 User-Initiated Cancellation:

• Before call starts: No coins deducted, full refund to coin balance
• Within first 30 seconds: Coins refunded to account (minus any bonus coins used)
• After 30 seconds: No refund, full session charges apply

3.2 Listener Cancellation:

• Full refund of coins to your account
• Apology bonus: Additional 10% bonus coins
• No charges applied

3.3 Technical Issues:

• Call drops due to platform issues: Full refund
• Poor audio/video quality (our fault): Partial/full refund based on review
• Connection issues (user's network): No refund, but case-by-case consideration

4. Refund Process

4.1 How to Request a Refund:

1. Go to your account settings or transaction history
2. Select the transaction you want to refund
3. Click "Request Refund" and provide reason
4. Our team will review within 24-48 hours
5. You'll receive email notification of decision

4.2 Refund Timeline:

*Refund timelines start after approval. Processing time depends on payment method and financial institutions.

5. Dispute Resolution

If you're unsatisfied with a session:

1. Report Immediately: Flag the issue right after the call
2. Provide Details: Explain what went wrong
3. Review Process: We'll review call logs, feedback, and listener history
4. Decision Time: Resolution within 48 hours
5. Outcome: Full refund, partial refund, or bonus coins based on findings

Common Dispute Scenarios:

• Listener was unprofessional: Full refund + bonus coins
• Listener didn't show up: Full refund + apology bonus
• Poor service quality: Partial/full refund based on review
• Technical difficulties: Reviewed case-by-case
• Mismatched expectations: No refund, but guidance for future sessions

6. Special Circumstances

6.1 Emergency Situations:

If you had to leave a call due to a genuine emergency, contact support within 24 hours. We may offer a goodwill refund on a case-by-case basis.

6.2 First-Time User Protection:

For your first session, we offer enhanced refund protection. If you're unsatisfied for any reason, we'll refund your coins (used only for that one session).

6.3 Listener Performance Issues:

If multiple users report issues with the same listener, we'll proactively review affected sessions and may offer refunds.

7. Abuse Prevention

To prevent abuse of our refund policy:

• Excessive refund requests may trigger account review
• Fraudulent refund claims may result in account suspension
• Pattern of abuse may lead to refund privilege revocation
• We reserve the right to decline refunds in cases of clear abuse

8. Promotional Offers

For promotional packages:

• Base coins can be refunded as per standard policy
• Bonus coins are non-refundable
• Special offer prices are final once coins are used
• Limited-time offers cannot be refunded after the offer expires

9. Chargebacks

If you initiate a chargeback:

• Your account will be temporarily suspended pending resolution
• You'll need to provide documentation to the bank
• If chargeback is found fraudulent, account will be permanently banned
• Legitimate chargebacks for fraud will be honored

10. Refund Method

Refunds are processed to:

• Preferred: Coin balance (instant credit)
• Or: Original payment method (card, UPI, wallet)
• You can choose your preferred refund method when requesting
• Refunds to original payment method take longer but are available if you prefer

11. Contact for Refunds

12. Changes to Policy

We reserve the right to modify this Refund Policy at any time. Changes will be posted on this page with an updated revision date. Continued use after changes constitutes acceptance.