Cancellation & Refund Policy

1. Digital Services & Immediate Fulfillment

• Immediate Delivery: Instaku provides software-as-a-service (SaaS) tools and digital credits. Credit packs and feature access are provisioned to your account immediately upon transaction confirmation by the payment gateway.
• Non-Refundable Once Consumed: Because credits and AI generations are delivered instantaneously for immediate consumption, purchases are generally non-refundable once credits have been utilized.
• Guaranteed Cap Rule: Credits are deducted only for successful, reviewed outputs. Questions discarded during automated quality checks and diagram images that fail to render are never charged.
• Credits Never Expire: Unused credits remain in your account balance permanently until consumed.

2. Eligibility for Refunds

You are eligible to receive a full refund or equivalent credit adjustment under the following verified conditions:

• Duplicate Charges: You were debited more than once for the same transaction due to a network glitch or technical error.
• Undelivered Credits: Funds were deducted from your bank, card, or UPI account, but the corresponding credit package failed to activate on your Instaku account and our system cannot credit them manually.
• Persistent Technical Outage: A verified platform defect on our infrastructure completely prevents you from accessing the service for more than 48 hours following a support report.

3. Refund Request Window

To initiate a refund request, you must submit your claim within 7 business days of the transaction date. Requests submitted after 7 business days will be reviewed at our discretion.

4. Processing Time & Settlement Timeline

Once your request is received, our compliance and billing team will verify the payment record within 24 to 48 hours.

• Upon approval, the refund is initiated immediately through our payment gateway (Razorpay).
• The refunded amount will be credited back to your original payment method (Bank Account, UPI, Credit Card, or Debit Card) within 5 to 7 business days, subject to your card issuer or banking institution's settlement cycle.
• Any bonus credits associated with a refunded transaction will be deducted from your account balance.

5. How to Initiate a Request

To request a cancellation or refund, email us at hello@instaku.com with the subject line "Refund Request - [Your Order/Payment ID]" and provide:

• Your registered Instaku account email address
• The Razorpay Payment ID or Order ID from your receipt
• Transaction date, payment amount, and a brief description of the issue