Refund & Cancellation Policy

01 // 3-Day Satisfaction Guarantee & Refund Eligibility

We stand behind the quality and factual integrity of the Xplofy platform and the Xp37 Cognitive Engine. If you have subscribed to any paid tier, VIP pass, or premium digital service and are not satisfied with your experience:

• 3-Day Request Window: You are eligible to request a refund within 3 calendar days (72 hours) from the exact date and timestamp of your initial transaction if you are not satisfied with the service.
• Scope of Guarantee: The 3-day guarantee applies to new subscription plans, monthly/annual renewals, and initial digital access upgrades.
• After 3 Days: Refund requests submitted after the 3-day window has elapsed cannot be processed for that billing cycle.

02 // Deduction of Processing Charges & Refund Settlement SLA

When an eligible refund request is approved, the reimbursement is settled strictly according to the following financial timeline and parameters:

• Deduction of Payment Processing Charges: All refunds are subject to the deduction of actual third-party payment gateway transaction fees, merchant discount rates (MDR), and statutory banking processing surcharges incurred during the original transaction.
• 7 to 15 Business Days Timeline: Once initiated, the net refund amount will be credited back to your original source of payment (Credit Card, Debit Card, Net Banking, or UPI) within 7 to 15 business days, in adherence with Reserve Bank of India (RBI) inter-bank settlement norms.
• Original Payment Method: Refunds cannot be disbursed in cash or diverted to third-party bank accounts; they are returned strictly to the instrument used during checkout.

03 // Cancellation Procedure via Registered Email

To safeguard user accounts against unauthorized tampering, identity theft, or fraudulent cancellation attempts, all cancellations and refund applications must follow our strict verification protocol:

• Authorized Email Address: The cancellation request MUST be sent to care@xplofy.com exclusively from the registered email ID linked to your active Xplofy account. Requests received from unregistered or secondary email IDs cannot be authenticated and will not be processed.
• Required Information in Email: Please include the following details in your correspondence:
  • Full Name of Account Holder
  • Registered Email Address
  • Transaction ID / Payment Reference Number / Invoice Number
  • Date and Amount of Transaction
  • Brief Reason for Cancellation (optional, to help us improve our service)
• Acknowledgment SLA: Our Grievance & Compliance desk will acknowledge your email within 24 business hours and notify you of the claim status.

04 // Subscription Cancellation & Auto-Renewal Governance

Users can manage or cancel their recurring subscriptions at any time:

• Preventing Future Renewals: To prevent future automatic debits, you must submit your cancellation request or toggle off auto-renewal at least 48 hours prior to the next scheduled billing date.
• Access Post-Cancellation: If you cancel a subscription without claiming a refund within the 3-day window, you will continue to enjoy uninterrupted premium access until the end of your current active billing cycle.
• No Pro-Rated Mid-Term Refunds: Outside the initial 3-day satisfaction window, partial or pro-rated refunds for unused portions of an ongoing billing period are not granted.

05 // Non-Refundable Scenarios & Policy Exceptions

Refunds will not be granted under the following circumstances:

• Refund claims submitted after 3 calendar days (72 hours) from the transaction time.
• Accounts terminated or suspended due to explicit violations of our Terms of Service, including automated bot scraping, unauthorized API tampering, or abuse of platform infrastructure.
• Promotional access passes, complimentary early-beta XP-Pass allocations, or non-monetary promotional credits.

06 // Grievance Desk & Statutory Legal Secretariat