Refund, Cancellation and Delivery Policy

Paid products, when offered, are sold by Kartikeya Mishra, Bengaluru, India. Payments are processed by Razorpay (for payments in India) or PayPal (international). We never see or store your card, UPI or bank details.

Digital products only: for example premium templates or a paid plan with additional tool features. Nothing physical is shipped. The exact product, price, currency and any taxes will be shown before you pay.

• Digital downloads are available immediately after payment is confirmed, and a link is sent to the email used at checkout.
• Paid plan features are activated immediately after payment is confirmed.
• If you have not received access within 24 hours, email workmailkartikeya@gmail.com with your payment ID and it will be fixed or refunded.

• Did not work or not as described: full refund if a product does not work as described and the problem cannot be fixed within 7 days of you reporting it.
• Charged twice or charged in error: full refund of the duplicate or erroneous charge, always.
• Changed your mind — one-time digital purchase: refund on request within 7 days of purchase, provided the product has not been substantially downloaded or used. Because digital files cannot be returned, refunds after substantial use are at our discretion.
• Subscriptions: you can request a full refund within 7 days of your first payment. Renewal payments are not refunded, except where the law requires it or the renewal happened because of our error.

Approved refunds are issued to the original payment method. We initiate them within 5 working days of approval. The time for funds to reach you then depends on your bank or card issuer, typically 5–10 working days.

• You can cancel a subscription at any time, from your account or by email. You keep access until the end of the period already paid for, and you are not charged again.
• Recurring charges are only ever made with your explicit authorisation, and in line with RBI rules on recurring payments where they apply.
• We may cancel an order and refund it in full if a product becomes unavailable or a price was shown in error.

Email workmailkartikeya@gmail.com with the payment ID from your receipt and a short reason. You will get a reply within 2 working days.

Nothing in this policy limits rights you have under applicable consumer law, including the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020 in India, or mandatory consumer law where you live. Where this policy and those rights conflict, the law applies.