Refund Policy

1. General No-Refund Policy

Subject to the narrow exceptions set forth in Clause 5 hereof, all purchases of the Services — including but not limited to Subscription Plans, credit and token packages, and pay-per-use charges — are strictly non-refundable, non-creditable, and non-exchangeable.

This Policy applies irrespective of the reason for the refund request, including but not limited to change of mind, unsatisfactory results, cessation of use, or discovery of a more suitable alternative product. The non-refundable nature of all purchases is a fundamental commercial term of this Agreement and is reflected in the pricing of the Services.

2. Rationale

The Services are digital software-as-a-service products. Upon successful completion of payment, the User receives immediate and full access to the features corresponding to the purchased Subscription Plan or credits. Owing to the intangible and immediately accessible nature of digital services, and consistent with the treatment of digital goods under applicable law, the Company is unable to offer refunds once access has been granted.

Users are encouraged to utilise the free tier of the Services prior to committing to any paid Subscription Plan, so as to assess suitability.

3. Subscriptions — Cancellation

A User may cancel a Subscription Plan at any time through their account settings. Upon cancellation:

• The cancellation shall take effect at the conclusion of the then-current billing period, and the User's access to paid features shall continue until such date;
• The User shall not be charged upon the immediately succeeding renewal date;
• No pro-rated refund or credit shall be issued in respect of any unused portion of the current billing period, whether monthly or annual; and
• Any credits or tokens credited to the User's account shall remain subject to the terms set forth in Clause 4 below.

4. Credits & Tokens — Non-Refundability

All credits and tokens purchased by a User are strictly non-refundable and non-transferable upon purchase and crediting to the User's account. Credits and tokens are not redeemable for cash or any monetary equivalent. Any credits or tokens remaining in a User's account upon expiry of the applicable validity period shall be forfeited without compensation or refund.

5. Limited Exceptions

Notwithstanding the foregoing, the Company shall, at its sole and absolute discretion, consider a remedy only in the following expressly limited circumstances:

Nothing in this Policy shall be construed as limiting any rights expressly provided to You under applicable mandatory consumer protection legislation in Your jurisdiction, to the extent such rights cannot lawfully be waived.

6. Chargebacks & Disputes

In the event that a User initiates a chargeback, payment dispute, or reversal with their bank or payment provider in respect of a charge that is consistent with this Policy and the Terms and Conditions, the Company shall:

• Immediately suspend the User's account pending investigation;
• Contest the chargeback with the relevant payment provider using all available evidence;
• In the event the chargeback is upheld, permanently terminate the User's account; and
• Reserve the right to pursue recovery of the disputed amount and any associated costs through civil proceedings.

Users with genuine billing concerns are strongly encouraged to contact the Company directly at ceo@blackzora.com prior to initiating any chargeback. The Company shall endeavour to resolve all genuine billing issues within two (2) business days of receipt of notice.

7. Governing Law

This Policy shall be governed by and construed in accordance with the laws of the Republic of India, including the Consumer Protection Act, 2019, the Information Technology Act, 2000, and applicable rules and regulations made thereunder. Any disputes arising under or in connection with this Policy shall be subject to the exclusive jurisdiction of the competent courts situated at Maharashtra, India.