Refund & Cancellation Policy

This policy explains when Talk2Mee refunds payments, how cancellations work, and how call billing is handled. It applies to coin packs, virtual gifts, live expert calls, and creator payouts. It should be read together with our Terms & Conditions and Pricing.

1. Summary

• Failed, duplicate or unauthorised payments are refunded.
• Unused coins can be refunded within 7 days of purchase.
• Connected call minutes are charged and are not refundable.
• Declined, unanswered and platform-failed calls are never charged.
• Gifts are non-refundable once sent.

2. Coin packs

Coin packs are digital credits delivered instantly to your Talk2Mee wallet after payment confirmation. Because delivery is immediate, refunds are governed by the rules below rather than a general change-of-mind right.

• Unused coins: you may request a refund of an unused coin purchase within 7 days of the transaction. The coins must still be present in your wallet and must not have been spent, transferred or used for gifts.
• Partially used packs: the spent portion is not refundable. The remaining unused balance may be refunded within the same 7-day window, at our discretion and after deducting any payment processing cost we cannot recover.
• Bonus coins: bonus coins are promotional and are removed proportionally when a purchase is refunded.
• After 7 days: unused coins remain valid for use in the app but are not normally refundable.

3. Failed, duplicate and unauthorised payments

If a payment fails but money leaves your account, if you are charged twice for the same purchase, or if a transaction was not authorised by you, contact us with the transaction reference. Verified failed or duplicate charges are refunded in full to the original payment method. We may ask for information needed to investigate, and we may freeze the related wallet balance while the case is open.

4. Calls and per-minute billing

• Calls are billed per connected minute at the rate shown on the expert's profile before you request the call.
• You are not charged when a call is declined, unanswered, cancelled before it connects, or ends before any talk time is recorded.
• Once a call connects, the connected minutes are chargeable. Ending a call early stops further billing but does not refund minutes already used.
• If a call drops or is unusable because of a Talk2Mee platform fault, the affected minutes are credited back to your wallet. Report the issue within 7 days with the approximate call time so we can trace it.
• Calls ended by moderation for a safety or policy reason are reviewed case by case. Where the other party caused the termination, affected minutes are credited back.

5. Virtual gifts

Gifts are voluntary, priced in coins, and delivered immediately to the recipient. Once a gift is sent it cannot be recalled or refunded, except where the gift was sent as the result of a technical error or an unauthorised transaction.

6. Creator payouts

Creator earnings are calculated from connected call time and recorded in the creator portal. Payout requests require completed identity and payout verification, a minimum balance of ₹500, and are normally processed within 3 business days of approval. Rejected payout requests are returned to the creator's available balance with a reason. Payouts sent to incorrect details supplied by the creator may not be recoverable.

7. Chargebacks and fraud

If a payment is reversed by your bank or payment provider, we may place the corresponding coins on hold, reverse the balance, and suspend purchasing on the account while we investigate. Accounts with repeated chargebacks or fraudulent payment activity may be suspended or closed under the Terms.

8. How to request a refund

Email support@talk2mee.com with the subject "Refund request" and include:

• your registered phone number;
• the transaction reference or Razorpay/Google Play order ID;
• the purchase date, pack name and amount;
• a short description of the issue, with screenshots if available.

We acknowledge requests within 2 business days and aim to complete verified refunds within 5–7 business days. Approved refunds are returned to the original payment method. Your bank or payment provider may take additional time to post the credit.

9. Cancellations

• You can end a call at any time. Billing stops when the call ends.
• You can cancel a pending call request before it is accepted at no charge.
• You can stop using the Service and delete your account at any time in Settings. Deleting your account does not automatically refund spent coins or completed purchases.
• If Talk2Mee discontinues a paid feature you have already purchased credit for, we will provide a pro-rata refund or equivalent credit.

10. Your statutory rights

Nothing in this policy limits rights you have under applicable Indian consumer law, including rights relating to services that were not delivered or were not as described. Where the law requires a refund that is broader than this policy, the law applies.

11. Contact

Refund and billing questions: support@talk2mee.com. You can also visit our Contact page.