Refund Policy
Clear guidelines on refunds, cancellations, and wallet withdrawals for Vistarkriya
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Policy Overview & Philosophy
At Vistarkriya, we believe in transparency and fairness. This Refund Policy outlines the terms and conditions under which refunds, cancellations, and wallet withdrawals are processed.
Our Commitment to You
We offer a lifetime free plan for everyone with limited features. For full chapter access and free trials, a custom domain is required. We also offer promotional discounts to make our services accessible. Because of these benefits, we maintain a strict but fair refund policy.
Quick Summary
Free Plan Available
Lifetime free for everyone with limited features
Custom Domain Benefits
Full chapter access & free trials available
Paid Subscriptions
Non-refundable after activation
Core Wallet
Withdrawable with approval (TDS & fees applicable)
Pipeline Wallet
NOT withdrawable / NOT refundable
Lifetime Plans
Non-refundable under any circumstances
Free & Paid Plan Subscriptions
Paid Plans
For current pricing and plan details, please visit vistarkriya.com/platform/pricing
Strict No-Refund Policy for Paid Plans
All paid subscriptions are NON-REFUNDABLE once activated.
- Monthly subscriptions - Non-refundable
- Yearly subscriptions - Non-refundable
- Custom domain plans - Non-refundable
- Plan upgrades - Non-refundable
Reason: Free plan is available for everyone to explore the platform before purchasing. The subscription fee covers immediate access to premium features, custom domain setup, and backend support.
Promotional & Discounted Purchases
If any offer, promotion, coupon, or discount has been applied to your purchase, the transaction is ABSOLUTELY NON-REFUNDABLE under any circumstances.
Full Price Purchase - Limited Refund Window
If you purchased at full price (without any discount, offer, or coupon):
- Refund Window: Within 15 days of purchase
- Maximum Refund: 50% of the purchase amount
- Condition: No file, chapter work, or any output has been initiated or generated by you on the platform
Note: Once any work is initiated or output is generated, this refund option becomes void.
Loan & Financial Services - No Outcome-Based Refunds
Refunds will NOT be entertained based on loan or financial service outcomes.
This includes, but is not limited to:
- Loan approval or rejection
- Loan disbursement or non-disbursement
- Interest rate decisions
- Credit limit approvals or denials
- Any favorable or unfavorable outcome from financial institutions
Reason: Vistarkriya acts as a facilitator only. Final decisions are made by third-party financial institutions and are beyond our control. Our service fee covers the processing and facilitation work, not the guarantee of any specific outcome.
Cancellation Policy
- Cancel Anytime: You can cancel your subscription at any time
- Access Continues: You retain full access until the end of your billing period
- No Pro-rata Refunds: Unused days/months are not refunded
- Auto-Renewal: Disable auto-renewal to prevent future charges
Chapter Subscription Refunds
Chapters are add-on modules that extend platform functionality with specialized features and services. Each chapter has independent pricing based on billing cycle.
Chapter Free Trials
Free Trial Availability
Chapter free trials are ONLY available for custom domain users.
- Custom Domain Users: Can access chapter free trials before purchasing
- Path-based (Free Plan) Users: Chapter trials NOT available
- Trial Period: Varies by chapter - check individual chapter details
- No Auto-Conversion: Trials do not automatically convert to paid
Chapter Pricing & Refund Rules
For current chapter pricing, please visit vistarkriya.com/platform/chapters
* GST applicable on all chapter subscriptions as per government regulations.
Chapter Refund Policy
| Monthly | Non-refundable once activated. Cancel anytime to stop renewal. |
| Yearly | Non-refundable. No early termination refunds. |
| Lifetime | ABSOLUTELY NON-REFUNDABLE under any circumstances. |
Wallet System & Refund Policy
Vistarkriya uses a dual wallet system at the tenant level. Understanding the difference between these wallets is crucial for refund and withdrawal eligibility.
Two Types of Wallets
Core Wallet (Prepaid)
Your main wallet for topups and payments. Funds you add directly.
- ✅ Topup via Payment Gateway/Bank Transfer
- ✅ Used for subscriptions & services
- ✅ Withdrawable (with approval)
Pipeline Wallet (Earned)
Commissions, cashbacks, and platform credits earned through activities.
- ✅ Earned from commissions & referrals
- ✅ Used for subscriptions & services
- ❌ NOT Withdrawable / NOT Refundable
Pipeline Wallet Policy
Pipeline Wallet - Absolutely Non-Refundable & Non-Withdrawable
Pipeline Wallet balance CANNOT be refunded or withdrawn under any circumstances.
- Pipeline balance represents earned credits (commissions, cashbacks, bonuses)
- Can ONLY be used for platform services and subscriptions
- Cannot be converted to cash or transferred to bank account
- Cannot be transferred to Core Wallet
- Forfeited upon account termination for violations
Use Case: Pipeline wallet is designed for reinvestment in platform services, not for cash withdrawal.
Core Wallet Policy
Core Wallet - Withdrawable with Approval
Core Wallet balance CAN be withdrawn to your bank account, subject to:
- Approval by your assigned Relationship Manager (RM)
- Meeting minimum withdrawal requirements
- Applicable TDS and processing fee deductions as per government regulations
- Account in good standing with no pending disputes
Topup Methods (Core Wallet Only)
- Payment Gateway: Razorpay, PayU, PhonePe, Paytm (instant credit)
- Bank Transfer: NEFT/RTGS/IMPS with UTR verification (manual approval)
- UPI: Direct UPI payments via integrated gateways
Core Wallet Topups - Non-Refundable to Original Payment Method
Once funds are added to Core Wallet, they cannot be directly refunded to your original payment method.
However, you can:
- Use the balance for any platform service
- Request withdrawal to your bank account (requires RM approval)
Wallet Usage Priority
When you make a payment for subscriptions or services, the system may use funds from both wallets. The typical deduction order is:
- Pipeline Wallet First: Earned credits are used first (non-refundable portion)
- Core Wallet Second: Prepaid funds used after pipeline is exhausted
Note: Once Pipeline Wallet balance is used for a purchase, that portion cannot be refunded even if the service is cancelled.
Wallet Withdrawal Policy
You may request withdrawal of your Core Wallet balance subject to the following terms and deductions:
Withdrawal Terms
Withdrawal Requirements
- Approval Required: All withdrawals require RM (Relationship Manager) approval
- Minimum & Maximum Limits: As per current platform settings
- Daily & Monthly Limits: Withdrawal requests are limited per day and per month
- Processing Time: As per platform processing schedule
- Valid Bank Account: Bank account must be linked and verified
Mandatory Deductions on Withdrawals
- TDS (Tax Deducted at Source): Deducted as per applicable Indian tax laws and government regulations
- Processing Fee: Platform processing fee applicable on all withdrawals
Note: Net amount credited to your bank account will be after all applicable deductions.
Withdrawal Process
- Submit Request: From Dashboard → Wallet → Withdraw
- Pending: Request queued for RM review
- Processing: Approved and being processed
- Completed: Amount transferred to your bank
Bank Account Requirements
- Valid bank account linked to your profile
- Bank account must be in your name (or business name)
- Valid IFSC code
- No pending disputes or obligations on your account
- Account must be in good standing (not suspended)
When Withdrawals May Be Blocked
We reserve the right to block or delay withdrawals in the following situations:
- Suspected fraudulent activity
- Pending chargebacks or payment disputes
- Incomplete KYC/verification
- Account under investigation
- Violation of Terms of Service
- Outstanding dues or obligations
B2B Module & Customer License Refunds
B2B Module Subscription
B2B Module Terms
- Requirement: Custom domain with paid plan required
- Billing: Yearly subscription
- Refund Policy: Non-refundable once activated
- Pricing: As per current pricing on vistarkriya.com
B2B Customer License Fees
For current B2B license pricing (first year and renewal fees), please visit vistarkriya.com
B2B License Refund Policy
- Non-Refundable: Customer license fees are non-refundable once activated
- Customer Deletion: No refund for unused license period if you delete a customer
- Activation Failure: Full credit issued if license cannot be activated due to system error
Chapter Service Refund Policies
Each chapter offers various services through the platform. This section covers refund policies for services used within chapters.
Service Refund Rules
Refund Wallet Allocation
When a service refund is processed, the amount is credited back to the same wallet from which payment was made:
- Paid via Pipeline Wallet: Refund credited to Pipeline Wallet (NOT withdrawable)
- Paid via Core Wallet: Refund credited to Core Wallet (withdrawable with approval)
- Mixed Payment: Refund split proportionally to respective wallets
General Service Refund Policy
Services Facilitated Through Third Parties
Vistarkriya acts as a mediator/facilitator for various services. We do NOT control third-party decisions.
- Processing Fees: Non-refundable once service request is submitted
- Third-Party Rejection: Processing fees NOT refunded if third party rejects application
- No Guarantees: We make no guarantees about approvals, rates, or outcomes
Government Filing Services
- Service Fees: Non-refundable once filing initiated
- Government Rejection: Service fees NOT refunded if government rejects application
- Our Error: Free re-filing or wallet credit if failure due to our mistake
Professional Services
- Service Fees: Non-refundable once work commenced
- Government Fees: Non-refundable (paid to government)
- Incomplete Service: Partial/full credit if we fail to deliver
- Client Delays: No refund if delay caused by client not providing required documents
Transaction-Based Services
- Successful Transactions: Can be refunded by admin with valid reason
- Refund Method: Amount credited back to respective wallet
- Third-Party Failures: Auto-refund if transaction failed at provider's end
Third-Party API & Service Dependencies
How Our Platform Works
Like most modern SaaS platforms, Vistarkriya relies on third-party APIs and services to deliver functionality. This is standard industry practice - approximately 95% of technology platforms operate this way, integrating multiple external services to provide comprehensive solutions.
Our platform integrates with various third-party providers for services such as payment processing, government filings, verification services, communication APIs, and more.
No Refund for Third-Party Service Disruptions
In the event of third-party service disruptions beyond our control, NO REFUNDS will be provided. This includes situations such as:
- Third-party provider discontinuing or modifying their API/service
- Temporary or permanent service outages by external providers
- Changes in third-party terms, pricing, or policies
- Technical failures or errors at the provider's end
- Regulatory or government policy changes affecting services
- Unforeseen events (natural disasters, cyber attacks, etc.)
Please Understand: Vistarkriya acts as an integrator and facilitator. We do not own or control these third-party services and cannot guarantee their continuous availability. This is how the technology industry operates, and by using our platform, you acknowledge and accept this standard market practice.
Important Note on Service Refunds
Service refunds are credited to your wallet and are subject to the wallet policies mentioned above. Refunds credited to Pipeline Wallet remain non-withdrawable.
How to Request a Refund
Refund Request Process
Step 1: Gather Information
- Your registered email address
- Transaction ID / Order ID / Invoice Number
- Date of transaction
- Amount in question
- Detailed reason for refund request
Step 2: Submit Request
- Email: hello@vistarkriya.com with subject "Refund Request - [Transaction ID]"
- Support Ticket: Dashboard → Support → Create Ticket
Step 3: Resolution Timeline
- Acknowledgment: Within 24 hours
- Review & Decision: 5-7 business days
- Wallet Credit (if approved): 1-3 business days
- Bank Transfer (if approved): 7-10 business days
Contact Information
Reach Out for Refund Support
We respond to all refund inquiries within 24-48 hours on business days.
Summary of Key Points
- Free Plan: Lifetime free for everyone with limited features
- Custom Domain: Required for chapter access and free trials
- Paid Subscriptions: Non-refundable after activation
- Lifetime Plans: Absolutely non-refundable
- Core Wallet: Withdrawable with RM approval (TDS & fees applicable)
- Pipeline Wallet: NOT withdrawable / NOT refundable
- Service Refunds: Credited to same wallet used for payment
- B2B License: Non-refundable once activated
- Discounted Purchases: Absolutely non-refundable if any offer/coupon/discount applied
- Full Price Purchases: Maximum 50% refund within 15 days (if no work initiated)
- Loan/Financial Outcomes: No refunds based on approval/rejection/disbursement decisions
Last Updated: January 4, 2026 | Effective Date: January 1, 2024