Refund & Cancellation Policy

1. Overview

This Refund & Cancellation Policy applies to the Kriti subscription provided by Jilocosmos Healthrevolution Private Limited and billed through our payment gateway, Razorpay. Please read it with our Terms & Conditions.

2. Free Trial

• Your first seven (7) days of Kriti are free.
• To start, a ₹1 verification charge is used to set up your UPI AutoPay / e-mandate. This ₹1 is refunded or adjusted.
• No subscription fee is charged during the free week. You can cancel before day 8 to avoid the first charge.

3. Subscription & Auto-Renewal

After the free week, Kriti costs per month or 3 months and renews automatically each month through UPI AutoPay until you cancel. As required by NPCI, you receive a pre-debit notification before each auto-debit.

4. Cancellation

You may cancel at any time by messaging “cancel” to Kriti on WhatsApp or by emailing suman@jilohealth.com. Cancellation stops future renewals and takes effect at the end of your current paid billing cycle. You keep access until the end of that cycle. We do not automatically refund the unused part of a cycle.

5. Refunds

Subscription fees are generally non-refundable once a billing cycle has been charged. In particular, we do not provide refunds for a change of mind, for not using the Service, or for dissatisfaction with content, except where required by law.

We will, on a case-by-case basis, consider a refund in the following situations:

• A duplicate or erroneous charge.
• A charge taken after you had cancelled in time.
• A technical failure on our side that prevented you from using the Service for a substantial part of the paid period.

The ₹1 mandate-verification charge is refunded or adjusted as described in Section 2.

6. How to Request a Refund

Email suman@jilohealth.com with the subject “Refund Request”, including your name, WhatsApp number, the transaction / payment ID, the date of the charge, and the reason for your request.

7. Refund Timeline

Approved refunds are processed to your original payment method / UPI within 5–10 business days. The time for the amount to reflect in your account depends on your bank or UPI provider.

8. Changes to this Policy

We may update this Policy from time to time. The current version will always be available on our website with its effective date.

9. Contact

Email: suman@jilohealth.com

Registered office: C/o Chandrashekhar Pd Roy, Flat No. 201, Shashi Raj Enclave, Daudpur (Pat) B.O, Dinapur-Cum-Khagaul, Patna — 801503, Bihar, India

Correspondence address: 2nd Floor, Bihar State Financial Corporation, B-HUB, Fraser Road, Old Jakkanpur, Indira Nagar, Patna — 800001, Bihar, India