Payment & Refund Policy

1. Overview

This Payment and Refund Policy outlines the terms related to payments, billing cycles, cancellations, and refunds for VIVK subscription plans. By subscribing to any paid plan, you agree to the terms described below.

2. Subscription Plans & Pricing

VIVK offers the following subscription tiers:

All prices are in Indian Rupees (INR) and inclusive of applicable taxes. We reserve the right to modify pricing with at least 30 days' advance notice to active subscribers.

3. Payment Methods

Payments are processed securely through Razorpay. We accept:

• UPI (Google Pay, PhonePe, Paytm, etc.)
• Credit Cards (Visa, Mastercard, RuPay)
• Debit Cards
• Net Banking (all major Indian banks)
• Mobile Wallets

We do not store your card details on our servers. All payment information is handled directly by Razorpay in compliance with PCI-DSS standards.

4. Billing Cycle

• Paid subscriptions are billed on a monthly recurring basis from the date of initial purchase.
• Your subscription will automatically renew at the end of each billing period unless cancelled.
• You will receive a payment confirmation via email for each successful transaction.
• Failed payment attempts may result in temporary suspension of premium features until payment is resolved.

5. Free Trial

New Pro plan subscribers may be eligible for a 7-day free trial. During the trial period:

• You will have full access to Pro features.
• No payment will be charged during the trial period.
• If you do not cancel before the trial ends, your subscription will convert to a paid plan and your selected payment method will be charged.
• Free trials are limited to one per user/account.

6. Cancellation

You may cancel your subscription at any time:

• Through your account settings in the Dashboard > Billing section.
• By contacting our support team at support@vivk.in.

Upon cancellation:

• You will retain access to premium features until the end of your current billing period.
• Your account will automatically downgrade to the Free plan after the billing period expires.
• No further charges will be made to your payment method.
• Your conversation history and data will be retained according to the Free plan limits (7-day history).

7. Refund Policy

7.1 Eligibility

Refunds are available under the following conditions:

• Within 7 days of payment: Full refund if you are unsatisfied with the Service and have not exceeded 50% of your plan's usage for that billing cycle.
• Service unavailability: If the Service experiences extended downtime (more than 48 continuous hours) during your billing period, you may request a pro-rated refund for the affected period.
• Duplicate charges: If you are charged multiple times for the same billing period due to a technical error, the duplicate amount will be refunded in full.

7.2 Non-Refundable Situations

Refunds will not be provided in the following cases:

• Requests made after 7 days from the payment date.
• Accounts terminated due to violation of Terms of Service.
• Partial month usage after the 7-day refund window.
• Dissatisfaction with AI-generated output quality (as AI outputs vary and are provided "as is").
• Change of mind after extensive usage of the Service.

7.3 How to Request a Refund

To request a refund:

1. Email us at support@vivk.in with the subject line "Refund Request."
2. Include your registered email address, transaction ID, and reason for the refund.
3. Our team will review your request within 3-5 business days.

7.4 Refund Processing

• Approved refunds will be processed to the original payment method.
• Refunds typically take 5-10 business days to reflect in your account, depending on your bank or payment provider.
• You will receive an email confirmation once the refund has been initiated.

8. Plan Upgrades & Downgrades

• Upgrades: When upgrading from Free to Pro or Pro to Business, you will be charged immediately for the new plan. Access to upgraded features is granted instantly.
• Downgrades: When downgrading, you will retain your current plan features until the end of the billing period, after which the lower plan takes effect.

9. Failed Payments

• If a recurring payment fails, we will attempt to charge your payment method up to 3 times over the following 7 days.
• You will be notified via email about the failed payment and asked to update your payment information.
• If payment cannot be collected after all retry attempts, your subscription will be cancelled and your account will revert to the Free plan.

10. Disputes

If you believe a charge is incorrect or unauthorized, please contact us at support@vivk.in within 30 days of the transaction. We will investigate and resolve the issue promptly.

We encourage you to reach out to us before initiating a chargeback with your bank, as we are committed to resolving any billing concerns directly.

11. Contact Us

For any payment or refund-related queries, please contact us at:

Email: support@vivk.in
Website: https://www.vivk.in
Response time: Within 24-48 hours on business days