Refund & Cancellation

Overview

DivyCHI offers subscription-based access to its intelligence products across four consumer plans (Standard, Pro, Max, X-Max) and custom Enterprise arrangements, as well as pay-as-you-go API credits. This Refund & Cancellation Policy applies to all of these.

Our general principles:

• You may cancel your subscription at any time — no lock-in, no cancellation fee.
• Cancellation takes effect at the end of your current paid billing period. You retain full access until then.
• All payments are strictly non-refundable under any circumstances, including cancellation, non-use, or dissatisfaction.
• By subscribing, you acknowledge and agree that no refund will be issued for any reason.

Subscription Plans

All consumer plans are available on a monthly or annual billing cycle. The table below summarises how billing and renewals work for each:

Annual plans are billed as a single upfront payment for 12 months at a discounted rate (16% off monthly pricing). The discounted rate applies for the full annual term.

How to Cancel

You can cancel your DivyCHI subscription at any time through any of the following methods:

Self-Service (Recommended)

• Log in to your DivyCHI account → go to Settings → Billing → Manage Subscription → click Cancel Plan.
• You will be shown your access expiry date before confirming. Cancellation is immediate upon confirmation — no further action required.

Via Support

• Email support@divychi.com with the subject line "Cancel Subscription — [Your registered email]".
• We will process your cancellation within one business day and send a confirmation email.

What Happens at Cancellation

When you cancel your subscription, the following applies:

No Refunds

All payments made to DivyCHI — including subscription fees, annual plan payments, and API credit purchases — are final and non-refundable in all circumstances.

No refunds will be issued for any reason, including but not limited to:

• Change of mind or dissatisfaction with the service.
• Failure to use the service or queries during a paid period.
• Forgetting to cancel before an auto-renewal date.
• Switching to a lower plan or cancelling mid-period.
• Service interruptions, downtime, or outages of any duration.
• Account suspension or termination for Terms violations.
• Duplicate charges or billing errors — these will be corrected as account credit, not cash refunds.

Account Credits

In the limited case of a verified billing error (e.g., a confirmed duplicate charge caused by a technical fault on our payment infrastructure), DivyCHI may, at its sole discretion, issue an account credit equivalent to the erroneous amount.

• Account credits are applied to your DivyCHI balance and deducted from future billing cycles.
• Credits have no cash value and cannot be withdrawn, transferred, or redeemed for money.
• Credits expire 12 months from the date of issuance if not consumed.
• Issuance of a credit is entirely at DivyCHI's discretion and does not constitute an admission of liability or a precedent for future requests.

API Credits

API credits operate differently from subscription plans. Credits are purchased on a pay-as-you-go basis and are consumed as you make API calls.

Credit Purchases

• Credit purchases are non-refundable once the credits have been added to your account balance.
• Credits do not expire as long as your account remains active and in good standing.
• Unused credits are forfeited upon account termination and are not transferable to another account.

Free Credits

• New API accounts receive $25 in complimentary credits on signup. These free credits are non-transferable, non-withdrawable, and cannot be converted to cash.
• Free credits expire 12 months from the date of issuance if not consumed.

Exceptions for Credit Refunds

We will refund a credit purchase if it was made in error within 24 hours and no credits from that purchase have been consumed. Contact support@divychi.com immediately in such cases.

Annual Plans

Annual plans are billed as a single upfront payment for 12 months at a 16% discount over monthly pricing. By choosing an annual plan, you commit to the full 12-month term.

• Annual plan payments are entirely non-refundable, regardless of when you cancel within the term.
• If you cancel an annual plan, you retain access until the end of the 12-month period. No partial or prorated refund will be issued for the remaining months.
• Downgrading from an annual plan to a lower tier does not entitle you to any refund of the price difference.

Enterprise Plans

Enterprise customers operate under a separate Master Service Agreement (MSA) and Order Form, which govern billing, cancellation, and refund terms specific to their contract. The terms in this policy apply to Enterprise customers only where the MSA does not address a specific situation.

Key Enterprise Billing Principles

• Enterprise contracts are typically annual, invoiced quarterly or annually, with payment due within 30 days of invoice.
• Early termination of an Enterprise contract may be subject to an early termination fee as specified in the Order Form.
• Committed usage minimums in Enterprise contracts are non-refundable regardless of actual consumption.
• Service credits for SLA breaches are governed by the SLA Addendum in your MSA, not by this policy.

For all Enterprise billing and cancellation enquiries, contact your designated Customer Success Manager or email enterprise@divychi.com.

Billing Queries

While no refunds are issued, we are happy to assist with any questions about your charges, billing cycle, or payment history. If you believe there is a factual error in your invoice or charge amount, contact support@divychi.com and our billing team will investigate within 3–5 business days.

• Verified billing errors may be corrected as an account credit at DivyCHI's discretion (see Section 06).
• Billing query responses are sent to the email address registered on your account.
• Queries submitted outside business hours (Mon–Fri, 10:00–18:00 IST) will be responded to on the next business day.

Disputes & Chargebacks

By purchasing a DivyCHI subscription or credits, you acknowledge that all charges are final and you waive any right to dispute a charge on the basis of a refund request. If you believe you have been charged an incorrect amount, contact support@divychi.com before initiating any bank or card dispute.

Chargeback Policy

• Initiating a chargeback for a legitimate charge is a violation of these Terms and will result in immediate account suspension.
• DivyCHI will dispute all chargebacks and provide full transaction records, usage logs, and policy acceptance evidence to the payment provider.
• Accounts subject to a chargeback that is ruled in DivyCHI's favour will be permanently terminated with no possibility of reinstatement.
• Fraudulent chargebacks may be reported to relevant financial authorities and pursued through legal channels.

Contact Us

For all refund, cancellation, or billing queries, please reach out through the appropriate channel below: