1. When refunds apply
Navaniit Calc, a product of Navaniit Creation, sells digital, instantly delivered services (the Numerology Report and calculator-access packages). 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.
- Money left your bank, but the gateway did not confirm the payment — the payment gateway reverses the debit automatically, normally within 5–7 working days. If it has not come back in that time, write to us with the order id and we check the payment with the gateway.
- The gateway confirmed the payment, but your order still shows as pending — write to us with the order id. We check with the payment gateway and, within 3 business days, either mark your order as paid or refund the amount.
2. How to request a refund
Send an email to grievance@navaniitcreation.in 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:
- Payment gateway — we initiate within 3 business days of approving the request; the gateway then returns the money at standard speed, 5–7 working days, to the source card / UPI / netbanking account
- Direct UPI (older orders only — we no longer take new orders this way) — 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.in.