1. When refunds apply
Navaniit Creation sells digital, instantly delivered services (numerology reports and tool-access membership). The following refund windows apply:
- Generated premium report — refund available within 24 hours of successful generation, provided the report was unreadable, the engine output was demonstrably wrong, or the LLM narrative failed validation. Refunds are not issued for changes of mind once a successful report has been delivered.
- Pay-per-snapshot purchases — same 24-hour window as above.
- Yearly tool membership — pro-rata refund available within 7 days of purchase if no premium report has been generated under that membership. After 7 days the membership is non-refundable.
- Failed transactions — fully refunded automatically by your payment gateway within 5–7 business days. No action required from you.
2. How to request a refund
Send an email to grievance@navaniitcreation.com with:
- Your registered account email
- The order ID (visible at
/billing) - A short reason for the refund request
Approved refunds are issued to the original payment method:
- Razorpay — 5–7 business days back to the source card / UPI VPA / netbanking account
- Manual UPI — initiated within 3 business days from the same Kotak Current Account that received the payment
3. What we cannot refund
- Successful, validated reports where you simply did not like the content
- Reports flagged as accurate by both engine + validator
- Membership periods that have already elapsed
- Any amount beyond the original payment (we do not refund interest or consequential losses)
4. Chargebacks
If you initiate a chargeback through your bank or card issuer instead of contacting us first, your account will be suspended until the dispute is resolved. We always prefer to resolve issues directly — please email before disputing.
5. Grievance escalation
If you are not satisfied with our refund decision, you may escalate via the Grievance Officer at /grievance. The IT Act 2000 §79 timeline applies.
6. Contact
Refund requests + questions: grievance@navaniitcreation.com.