Cancellation & Refund Policy

1. Digital services and Blessings

“Blessings” is the sole in-app virtual currency used within Guru Chat. Blessings have no cash value, are not legal tender, cannot be transferred outside the Platform, and cannot be redeemed or exchanged for money except where required by law.

2. No refunds on completed purchases

Payments successfully completed for Blessings, subscriptions, reports or other digital Services are final and non-refundable once made, except where a refund is mandatory under applicable law or expressly approved by Guru Chat in writing.

3. Cancellation

Because Guru Chat delivers digital services and virtual currency that are made available immediately, orders cannot be cancelled once a purchase has been successfully completed. Subscriptions may be cancelled to stop future renewals, subject to the terms shown at the time of purchase; access continues until the end of the current billing period.

4. Failed payments and duplicate charges

If a payment fails or the relevant purchase is not credited but money has been deducted from your payment account, the deducted amount will be reversed or refunded to the original payment method within 14 business days, subject to the timelines and processes of the bank, card network, payment gateway or payment service provider. You may be asked to provide a transaction reference and supporting proof.

5. How to request a refund

To raise a refund request for a failed or duplicate payment, contact us at aloha@ahoum.com with your registered account details and the transaction reference.