REFUND POLICY

Last Updated: August 2026

1. Our Core Principle

Oppex's refund policy is aligned with the industry standard followed by leading AI platforms as of August 2026, and is consistent with established norms under the Consumer Protection Act, 2019 for digital goods and services.

The principle is simple:

If our system failed to deliver a response → you were never charged, or the charge is automatically reversed.
If our system successfully delivered a response → that credit is consumed and non-refundable.

2. How Credits Work (No Surprise Charges)

Oppex only deducts credits after a successful AI response is delivered to you. If our server crashes, the AI throws an error, or our AI provider is unavailable at the time of your request, your credits are automatically restored by our system. You are never charged for a failed request.

This means in the vast majority of error cases, no manual refund process is needed at all. The system handles it automatically.

3. All Credit Purchases Are Non-Refundable

Once credits are purchased, they are non-refundable. Credits that have been consumed for successfully delivered AI responses cannot be refunded under any circumstances, including:

Dissatisfaction with the AI's answer
Change of mind after purchase
Unused credits remaining in your account
Voluntary account deletion

4. Extended Service Outage — Goodwill Credits

In the rare event that Oppex experiences a major, documented service outage lasting 3 or more consecutive days, we may — at our discretion — issue bonus platform credits to affected active users as a goodwill gesture.

This is not a guaranteed entitlement and will not be issued as a cash refund. This approach is consistent with industry standard practice for AI SaaS platforms and aligns with the Consumer Protection Act, 2019 principle of fair remedy for digital service disruptions.

5. Billing Errors (Our Mistake)

If you were charged twice for the same transaction, or charged an incorrect amount due to a verified bug in our billing system, we will process a full refund of the excess amount to your original payment method within 5–7 business days. Contact support@oppex.io with your transaction ID.

6. Subscription Cancellations

You may cancel your subscription at any time through your account settings.

You will not be charged from the next billing cycle onwards.
You retain access until the end of your current paid period.
No pro-rata refund is provided for remaining days in the current billing month.
Annual subscriptions, where offered, are non-refundable once the billing period begins.

UPI Autopay Mandates:

For subscriptions paid via UPI Autopay:

The mandate amount and frequency is clearly displayed before you confirm setup
You may cancel the mandate at any time through your bank's UPI app or through Settings → Billing → Cancel Subscription
Cancellation of UPI mandate cancels your subscription at the end of the current paid period
We will not charge you after mandate cancellation is processed
Oppex complies with all RBI guidelines for recurring UPI mandates

7. How to Contact Us for Billing Issues

For billing errors and technical issues, contact support@oppex.io as soon as possible after the incident, ideally within 30 days, to allow for timely investigation. Include:

1. Your registered email address

2. The transaction ID or invoice number

3. A brief description of the issue

We will respond within 48 hours. Nothing in this section limits your statutory rights under the Consumer Protection Act, 2019.

8. Chargeback Policy

If you initiate a chargeback through your bank for a service that was correctly delivered, Oppex will dispute the chargeback using server-side usage logs as evidence. Accounts with disputed chargebacks will be immediately suspended pending investigation.