Refund and Cancellation Policy for Anybody  Last Updated: October 17, 2025  This Refund and Cancellation Policy outlines the terms for refunds, cancellations, and disputes for all transactions on the Anybody app. Please read carefully before making any purchase.  
1. Overview  Anybody offers: - Premium monthly subscriptions (₹199/month) - Pay-per-use voice messages (₹1 per message) - Hold feature (₹5 per use) - Winner Game participation (automatic with paid voice messages)  All payments are processed securely through Razorpay Payment Gateway.  
2. Premium Subscription Refunds  Cancellation Policy: - You can cancel your Premium subscription anytime from app settings - Cancellation stops future billing immediately - Access to Premium features continues until current billing period ends - No automatic renewal after cancellation  Refund Policy: - NO REFUNDS for unused portion of current month - Example: If you cancel on day 15 of a 30-day period, no refund for remaining 15 days - Premium benefits remain active until subscription period ends - Similar to Netflix, Spotify, YouTube Premium policies  Exceptions (Refunds Granted): - Unauthorized charges due to account hacking (must report within 48 hours) - Technical error causing double billing - Service completely unavailable for 7+ consecutive days due to our fault - Subscription charged after successful cancellation (our system error)  Refund Processing Time: 5-7 business days to original payment method  
3. Voice Message Purchases (₹1 per message)  Refund Policy: - NO REFUNDS once voice message is successfully sent and delivered - Refunds granted if message failed to send due to technical error - Must report technical issues within 24 hours  To Request Refund: - Email: [email protected] - Include: Transaction ID, date/time, description of issue - Provide screenshot of error (if applicable)  Refund Processing Time: 3-5 business days  
4. Hold Feature (₹5 per use)  Refund Policy: - NO REFUNDS once Hold timer is successfully activated - Refunds granted only if payment was deducted but timer didn't activate - Must report within 24 hours with transaction proof  Refund Processing Time: 3-5 business days  
5. Winner Game - Prize Pool  Important Clarification: The Winner Game is an ENGAGEMENT FEATURE, not gambling or gaming. It's a reward system for active users, similar to loyalty programs in social apps.  Refund Policy: - NO REFUNDS for voice messages sent during Winner Game participation - Participation is voluntary and automatic when using paid voice messages - Winner Game rules are clearly stated in app and Terms & Conditions - Gold Credits awarded to winners are final  Exceptions (Refunds Granted): - Technical glitch caused incorrect winner determination - Server crash during active Winner Game - Timer malfunction affecting both users - Verified fraud or manipulation by opponent  Dispute Process: 1. Report issue within 24 hours: [email protected] 2. Provide: Match ID, screenshots, detailed description 3. We investigate within 3-5 business days 4. Decision is final  Refund Amount: - If technical error confirmed: Full refund of your contribution to that specific match - Processing time: 7-10 business days  
6. Gold Credits Redemption  Withdrawal Policy: - Minimum withdrawal: ₹100 - Processing time: 3-7 business days - Transferred to linked bank account or UPI - Subject to verification (PAN, Aadhaar if required by law)  No Refund/Reversal: - Once Gold Credits are redeemed to wallet, no reversal - Once withdrawn to bank, no reversal (unless bank error) - You are responsible for providing correct bank details  Verification: - We may request identity verification for withdrawals above ₹1,000 - This is for fraud prevention and legal compliance - Failure to verify may delay withdrawal  
7. Coin Purchases (Earned via Ads)  - Coins earned by watching ads are FREE - NO MONETARY REFUNDS for coins (they have no cash value) - Coins cannot be converted back to cash - Unused coins remain in account  
8. Payment Failures and Disputes  Payment Deducted but Service Not Received: 1. Wait 30 minutes (payment gateway delay is normal) 2. Check transaction status in app 3. If not resolved, email us within 24 hours 4. Include: Transaction ID, payment screenshot, registered phone number  We will: - Investigate within 48 hours - Either activate service or issue full refund - Refund processing: 5-7 business days  Unauthorized Transactions: - Report immediately: [email protected] - We investigate and freeze account if fraud suspected - Refund issued if unauthorized charge confirmed - Must report within 48 hours of transaction 
9. How to Request a Refund  Step 1: Email us at [email protected]  Include: - Your registered phone number - Transaction ID / Order ID - Date and time of transaction - Amount charged - Reason for refund request - Screenshots (if technical issue)  Step 2: We Review Your Request - Response time: 3-5 business days - We may request additional information - Investigation may take 5-7 business days for complex cases  Step 3: Decision Notification - Approved: Refund processed to original payment method - Denied: Detailed explanation provided - Partial refund: If applicable, with explanation  Step 4: Refund Processing - Bank transfer: 5-7 business days - UPI: 3-5 business days - Credit/Debit card: 7-10 business days (depends on bank)  
10. Non-Refundable Items  NO REFUNDS for: - Completed services (messages successfully sent/delivered) - Change of mind after purchase - Account termination due to Terms violation - Unused coins or in-app currency - Partial month of Premium subscription - Winner Game participation (voluntary engagement) - Hold feature successfully activated  
11. Cancellation by Anybody  We reserve the right to cancel services and issue refunds if: - Service is discontinued - Your account is terminated (without fault) - Legal or regulatory requirements - Force majeure events (natural disasters, etc.)  In such cases, you receive a pro-rated refund.  
12. Chargeback Warning  Before filing a chargeback with your bank: - CONTACT US FIRST at [email protected] - Most issues can be resolved quickly - Chargebacks may result in account suspension - We will dispute illegitimate chargebacks  Legitimate reasons for chargeback: - Unauthorized transaction you didn't report - Service completely not provided after multiple attempts to contact us - Fraudulent charge  
13. Changes to Refund Policy  We may update this policy: - Changes effective immediately upon posting - Applies to transactions after change date - Previous transactions governed by old policy - Material changes notified via email  
14. Contact for Refunds  Refund Requests & Questions: Email: [email protected] Subject Line: "Refund Request - [Your Phone Number]"  Response Time: 3-5 business days  Customer Support Hours: Monday - Saturday: 10:00 AM - 6:00 PM IST Sunday: Closed (emergency emails monitored)  
15. Legal Rights  This policy does not affect your statutory rights under Indian consumer protection laws. If you believe you have a valid legal claim, you may pursue it through appropriate channels.  Governing Law: This policy is governed by Indian law.  
16. Acknowledgment  By making a purchase on Anybody, you acknowledge: - You have read and understood this Refund Policy - You agree to the terms stated here - You understand which items are non-refundable - You will contact us before disputing charges with your bank   Important Note for Razorpay: Anybody is a social networking and communication application. We process payments for:
1. Premium subscriptions (recurring monthly)
2. Optional in-app purchases (voice messages, hold feature)
3. Reward redemptions (Gold Credits to user accounts)  We are NOT a financial services provider, gambling platform, or gaming service. Our business model is similar to Spotify Premium, YouTube Premium, and Telegram Premium - a chat/social app with optional paid features.   
For any refund-related queries, contact: [email protected]  
Effective Date: October 17, 2025  
Anybody - Fair, Transparent, User-Friendly