Refund & Cancellation Policy

No refunds

All subscription fees paid for HTMB Pulse are non-refundable. This applies to monthly and annual plans alike, and to any unused or partial period remaining after you cancel or downgrade. Once a payment is processed, it is final.

Cancelling your subscription

You may cancel your subscription at any time from your account settings, or by writing to us at htmbai@proton.me. Cancelling stops future billing from your next renewal date onward. It does not refund any amount already charged, and you keep access to your plan for the rest of the period you have already paid for.

Exceptions

The no-refund policy above is what governs a change of mind, reduced usage, or dissatisfaction with the product. We make an exception, and will refund or reverse the charge, only in these specific cases:

• Duplicate or erroneous charge - you were billed twice for the same period, or charged an amount that does not match the plan you selected, due to a fault on our end or Razorpay's payment processing.
• Non-delivery of service - you were charged but never received access to your account because of a verified technical failure on our side, and the issue could not be resolved.

To request a review under either of these, write to htmbai@proton.me within 7 days of the charge, describing what happened. We will investigate and respond within a reasonable time. Approved refunds are returned to the original payment method through Razorpay, and bank processing times are outside our control.

Failed or disputed payments

If a payment fails, no subscription is created and nothing is charged. If you believe a charge was unauthorized, contact us before raising a chargeback with your bank or card issuer - most billing questions can be resolved directly and faster this way.

Governing law

This policy is governed by the laws of India. It is provided as a plain statement of our billing practice and has not been reviewed by outside counsel; nothing here limits any right you have under applicable Indian consumer protection law that cannot be waived by agreement.

Questions

For anything about a charge, a cancellation, or this policy, write to htmbai@proton.me.