Legal

Refund Policy

Last updated: October 5, 2026

Effective Date: March 25, 2026. Last updated: October 5, 2026 (a refund of a purchase paid in rupees deducts ₹455 for the AI credits, where a purchase paid in dollars deducts $5; after a refund the licence ends and the account becomes read-only).

WealthMutant offers a straightforward two-tier refund policy designed to be fair to customers while accounting for our operational costs.

Two-Tier Refund Policy

Tier 1 — Direct Purchasers (No Prior Trial)

Eligible for refund: Yes — 7-day window

If you purchased WealthMutant without using a free trial first, you are eligible for a refund within 7 days of your purchase date.

  • The 7-day window begins from the Razorpay payment timestamp
  • Refunds are issued to the original payment method
  • The AI credits are non-refundable. Every licence includes $5 of AI credits. That part of the purchase is non-refundable, whether you use the credits or not, so a refund is your purchase price less $5, or less ₹455 if you paid in rupees. When the refund completes, any remaining credit balance on your account is closed.
  • After a refund: the licence ends, a Founder licence included, and the account becomes read-only. You can still export your data.
  • EU / UK buyers: consumer law in your region gives you a statutory right of withdrawal for digital content. Nothing here removes it, and where the law gives you longer than the 7 days above, the law applies. Email us and we will honour whichever is more favourable to you.
  • All other features used during the window do not reduce your refund amount

Tier 2 — Trial Users Who Upgraded

Eligible for refund: No

If you signed up for the 7-day free trial and subsequently upgraded to lifetime access, you are not eligible for a refund. The free trial exists specifically as your evaluation period — the opportunity to try everything before paying. By upgrading after trialing the product, you have confirmed it meets your needs.

This policy is disclosed:

  • On the registration page (trial confirmation screen)
  • At the point of upgrade (payment confirmation)
  • In these Terms

How to Request a Refund

To request a refund (Tier 1 only):

  1. Email support@wealthmutant.com with the subject line: "Refund Request — [Your Email]"
  2. Include your Razorpay Payment ID (found in your purchase confirmation email)
  3. Briefly describe your reason (optional — helps us improve)

We will process all eligible refund requests within 2 business days of receipt.

Processing Time

  • Refunds are initiated via Razorpay within 2 business days of approval
  • Credit card refunds: typically 5–10 business days to appear on your statement (dependent on your bank)
  • UPI refunds: typically 3–5 business days
  • Net banking refunds: typically 5–7 business days
  • Wallet refunds: typically 1–3 business days

Processing times are determined by Razorpay and your bank — we have no control over them once the refund is initiated.

AI Credits Are Non-Refundable

Every AI credit purchase is final. That covers both kinds:

  • the $5 of AI credits included with your licence, and
  • any additional credits you buy separately as a top-up, at any time.

This does not depend on how much of the credit you used. If you never open the AI chat at all, the credits are still non-refundable.

Why we draw the line here: AI credits are spent the moment you use them, on a service we buy from someone else on your behalf. Unlike the app, there is nothing to hand back.

When a licence refund completes, any remaining credit balance on the account is closed. If you have bought top-up credits separately and that feels wrong in your case, email us — we would rather sort it out than have you dispute a charge.

Partial Refunds

Every eligible refund is your purchase price less the AI-credit component, which is non-refundable: $5, or ₹455 if you paid in rupees. The deduction is the same for everyone who paid in the same currency, and it does not depend on how much of the credit you used. If you never opened the AI chat at all, the deduction is still $5 (₹455).

Nothing else reduces a refund. There is no deduction for app usage, for time elapsed inside the window, or for features you accessed.

Chargebacks and Disputes

We take fraudulent chargebacks seriously. All WealthMutant purchases are protected by:

  • 3D Secure / OTP authentication — every transaction requires OTP or biometric confirmation
  • Usage logs — timestamped records of app activity tied to the account
  • Terms of Service acceptance — recorded at registration and at the trial-skip confirmation gate
  • Trial acknowledgment gate — users who skip the trial are shown an explicit confirmation screen before checkout that discloses the no-refund policy for trial users

All chargeback disputes will be contested with the above evidence. Customers who initiate fraudulent chargebacks will have their accounts permanently terminated.

If you have a legitimate billing concern, please contact us at support@wealthmutant.com before initiating a chargeback — we will resolve genuine issues promptly.

Contact

For refund requests or billing questions:

  • Email: support@wealthmutant.com
  • Subject line: Refund Request — [Your Email]
  • Response time: Within 24 hours on business days