Refund and cancellation policy

1.How our plans work

Paid plans (Plus, Exam Pro, Global and Family) are prepaid passes for a fixed period, such as 1 month, 6 months or 1 year. You pay the full amount up front when you buy.

A pass starts as soon as the payment is confirmed and ends automatically at the end of its period. When it ends, your account moves back to the free plan. Your progress, words, streaks and certificates are kept.

If you buy again while a pass is still running, the new days are added to the end of your current pass, so you never lose days you already paid for.

2.Cancelling a plan

Because passes do not renew, there is no subscription to cancel and no future charge to stop. If you do not want to continue, simply do not buy another pass.

Stopping use of the app in the middle of a pass does not by itself make you eligible for a refund of the unused days. If you have a special reason, write to us and we will look at it fairly (see section 5).

3.When you get a full refund

You get a full refund to the original payment method if:

• You were charged more than once for the same purchase.
• Money left your account but your plan did not start, and we cannot start it within 2 working days of you telling us.
• You were charged an amount different from the price shown to you at checkout.
• A technical fault on our side stopped you from using the paid features of your pass for a long stretch, and we could not fix it within a reasonable time.
• The payment was made without your permission and you report it to us promptly (we may ask you to also report it to your bank).

For double charges and plans that did not start, please write to us within 7 days of the payment so we can match it quickly. We still look at later requests.

4.What is not refunded

We do not normally refund:

• Live voice minutes that have already been used.
• The unused part of a pass you no longer want, when the app worked as described.
• A pass that has already ended.
• Accounts suspended for misuse under our terms of use, such as sharing access or trying to break the service.
• Differences caused by your bank's currency conversion or international transaction fees, which are charged by your bank and not by us.

5.Other refund requests

If your situation is not listed above, still write to us. Tell us what happened and why you would like a refund. We review every request individually and consider how much of the pass and how many live minutes were used.

We may offer a full refund, a partial refund, extra days or minutes on your pass, or explain why we cannot refund. You will always get a clear answer with the reason.

6.How to ask for a refund

Use the contact form or email us with these details, so we can find your payment quickly:

• The email address of your account.
• Your Razorpay payment ID (starts with pay_) or your invoice number (starts with TK/). Both are in the payment email and on your Profile page under Plan and billing.
• The date and amount of the payment.
• What went wrong, and a screenshot if it helps.

Contact form: https://talkite.com/contact?topic=payment. Email: enquiry@growvior.com.

We reply within 5 working days with a decision. For double charges we usually reply much sooner.

7.How long refunds take

Approved refunds are sent back through Razorpay, our payment partner, to the same method you paid with. We cannot refund to a different card, bank account or UPI ID.

• UPI: usually 2 to 5 working days.
• Debit and credit cards: usually 5 to 7 working days, sometimes up to one billing cycle for credit cards.
• Net banking and wallets: usually 5 to 7 working days.
• International cards: usually 7 to 10 working days. The amount you receive can differ slightly because of exchange rates.

Once we send a refund you get an email with the refund reference. If the money has not arrived after the time above, share that reference with your bank, or write to us and we will follow up with Razorpay.

8.Failed or pending payments

Sometimes money leaves your account but the payment fails or stays pending. In that case your bank or Razorpay reverses it automatically, usually within 5 to 7 working days, and you do not need to ask us.

If your plan did not start and the money has not come back after 7 working days, write to us with the payment details and we will sort it out.

9.Partial refunds, invoices and GST

Prices in India include GST. For any refund on a purchase with a GST invoice, we issue a credit note against the original invoice, and the GST part is refunded along with the rest of the amount.

If a partial refund is agreed, your pass may be shortened or ended to match the amount refunded. We will tell you before we do this.

10.Family plans, institutes and schools

Family plans are refunded as one purchase, under the same rules as other passes. Minutes used by any family profile count as used.

Seats bought by an institute, school or company follow the agreement or quotation shared with that organisation. If you are a learner using a seat given to you, please contact your institute first.

11.One to one classes

Live classes with human tutors are booked separately. Fees, rescheduling, missed classes and refunds for these classes are agreed with you in writing before your first paid class.

If a tutor misses a class you paid for, you can choose a replacement class or a refund for that class.

12.Chargebacks

Please contact us before raising a dispute with your bank. Most problems are solved faster by us directly. If a chargeback is raised, the pass linked to that payment may be paused until the dispute is closed.

13.Changes to this policy

We may update this policy from time to time. The version that applies is the one shown on this page when you made your purchase. The date at the top shows when it last changed.

14.Contact and grievances

Growvior Software Private Limited, 39/2475-B1, LR Towers, South Janatha Road, Palarivattom, Ernakulam, Kerala 682025, India.

Email enquiry@growvior.com or call +91 80759 38995 (Monday to Saturday, 10 am to 6 pm IST).

If you are not happy with how your request was handled, write to us with the subject "Grievance" and it will go to our grievance officer, who will acknowledge it within 48 hours and resolve it within one month.