Refund & Cancellation Policy

Vedika Intelligence ("Vedika", "we", "us") operates a pay-as-you-go API platform where subscription payments are converted to wallet credits that are consumed with each API call. All sales are final. By subscribing to any plan or adding funds to your wallet, you acknowledge and agree to this policy.

This policy applies to all payments made through our platform, including:

• Monthly and annual subscription payments
• Wallet top-up / add-funds purchases
• Plan upgrades
• Enterprise and dedicated tenancy payments

Non-refundable. When you subscribe to a plan (Starter, Professional, Business, or Enterprise), your payment is immediately converted to wallet credits of equivalent USD value. Because these credits are available for use immediately upon payment, subscription fees are non-refundable.

• Monthly subscriptions: Charged at the beginning of each billing cycle. No partial refunds for unused days within a billing period.
• Annual subscriptions: Charged in full at the start of the annual billing period. No partial or prorated refunds if you cancel before the year ends.
• Plan upgrades: Take effect immediately. You pay the full price of the new plan on the day you upgrade, its credits are added to your wallet, and a new billing cycle starts that day. Credits already in your wallet stay there. Non-refundable.
• Plan downgrades: Take effect at the start of the next billing cycle. No refund is issued for the current cycle.

Non-refundable, non-transferable. Wallet credits (whether from subscription payments or manual top-ups) cannot be:

• Refunded to your original payment method
• Transferred to another account
• Exchanged for cash or any other form of payment

Credits expire 12 months after purchase. Each purchase of credit (a top-up, an auto-recharge, or the credit that comes with a plan payment) can be used for 12 months from the date you paid. After that, any part of it you have not used is removed from your wallet. The expiry date cannot be extended.

When you make an API call, we use your oldest credit first, so credit that will expire soonest is spent before newer credit.

Credit that was already in your wallet on 8 October 2026, when this rule started, is treated as bought on that day. It expires on 8 October 2027. Nothing expires earlier because of this change.

Your dashboard shows how much credit you have and when the next amount expires.

You may cancel your subscription at any time from your Dashboard.

• Effect of cancellation: Your subscription will remain active until the end of the current billing period. You will not be charged for the next cycle.
• Remaining credits: Cancelling does not remove your credit. Unused credit stays in your wallet and can be used until it expires, 12 months after it was purchased.
• No partial refunds: Cancelling mid-cycle does not entitle you to a refund for the remaining days.
• Reactivation: You may resubscribe at any time. Credit that expired while you were away is not restored.

If you initiate a chargeback or payment dispute with your bank or payment provider without first contacting us, we reserve the right to:

• Immediately suspend your account and revoke all API keys
• Forfeit any remaining wallet credits
• Pursue recovery of the disputed amount plus any applicable fees

We encourage you to contact [email protected] before filing a dispute so we can resolve the issue directly.

If you believe you qualify for a refund under the limited exceptions above:

1. Email [email protected] with the subject line "Refund Request"
2. Include your account email, transaction ID (from your invoice), and reason for the request
3. Submit within 7 days of the charge in question

We will review your request and respond within 5 business days. If approved, refunds are processed to the original payment method and may take 5-10 business days to appear.

Vedika provides a free sandbox environment (/sandbox/* endpoints) that returns mock data for development and testing purposes. No API key or payment is required to use the sandbox. We recommend thoroughly testing your integration in the sandbox before subscribing to a paid plan.

We may update this refund policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Continued use of the platform after changes constitutes acceptance of the revised policy.

This policy is governed by and construed in accordance with the laws of India. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of the courts in Pune, Maharashtra, India.

For billing questions or refund requests:

• Email: [email protected]
• Subject: "Billing Inquiry" or "Refund Request"
• Response time: Within 2 business days