Refund policy

Every paid plan (annual or 6-month) is a single, one-time charge. There is no auto-renewal and no standing mandate on your payment method, so there is nothing to cancel in the usual sense. Choosing not to renew means you simply are not charged again: your access continues to the end of the paid period and then stops, unless you renew.

If this is your first Charter AI subscription, you can request a refund within 7 days of the date of payment by emailing support@charterai.in. After 7 days, the charge is final and access simply runs to the end of the paid period (see timelines).

If you have subscribed before (under the same email, phone number or account), you are eligible for a pro-rata refund within the 7-day window, but not a full refund.

The AI allowance you have used in that 7-day window decides how much comes back:

• 10% or less of your plan period’s AI allowance used: full refund.
• More than 10% used: the refund is reduced in proportion to the allowance consumed: refund = amount paid × (1 − proportion of the plan period’s AI allowance consumed).

Worked example (annual plan): if you have used 30% of the annual allowance when you ask for a refund, 70% of ₹14,999 is refunded: ₹10,499. The same proportion applies to the 6-month plan, against its own price and allowance.

Unused allowance does not carry forward to a new subscription period, refunded or not.

Every new paid plan carries a 7-day money-back guarantee. Ask within 7 days of payment: if you have used 50,000 tokens or fewer of your AI allowance, the full amount is refunded; above 50,000 tokens the refund is pro-rata to the allowance used, on the same basis as the standard policy above.

The standing rule above applies to subscriptions not bought under the offer. If you subscribed under the launch offer, whether for the next 21 CAs and firms or for the next 27 CAs and firms, your guarantee is 7 days money back, and the usage test is a fixed number of tokens instead of a share of the allowance. Both cohorts carry the same terms.

• 100,000 tokens of AI usage or fewer in the 7 days: full refund.
• More than 100,000 tokens: the refund is pro-rata to the AI allowance used, on the same basis as the standing rule.

Request it the same way and within the same window, and it is processed in the same time (see timelines).

Email support@charterai.in from the address on your account, within 7 days of payment. There is no cancellation form to fill in. Just send the email.

Approved refunds are normally issued within 10 business days to the original payment method; your bank or payment provider may take longer to show it. Outside the 7-day window there is no refund, and access continues, unchanged, to the end of the paid period. The guarantee above is the only basis on which fees are refunded; add-on packs and any other purchase are non-refundable.

Cove Labs Private Limited may decline a refund where the account has breached the terms of service (for example, sharing one login across firms or automated extraction of the product), where more than one account or trial has been opened by the same person or firm, where a chargeback has been raised, or where we reasonably suspect misuse. Usage is measured by our records, which are final.

Questions about a refund: write to support@charterai.in.