Refund Policy

Effective: 30 October 2026

सरल सारांश: Duplicate, failed या unauthorized payment पर हम जांच करके refund करेंगे। जो paid chat minutes इस्तेमाल हो चुके हैं वे सामान्यतः refundable नहीं होंगे। मदद के लिए payment ID के साथ लिखें।

1. When to contact us

Please contact us if a recharge was charged more than once, payment succeeded but balance was not credited, a payment was unauthorized, or a verified technical failure prevented delivery of the purchased balance or paid chat.

2. Consumed and unused balance

Charges for paid minutes already delivered are generally non-refundable, except where required by law or where our verified error caused an incorrect charge. Unused purchased wallet balance does not expire by default. A request to refund unused, unconsumed purchased balance will be reviewed case by case, after checks for prior use, bonuses, disputes, fraud and payment-provider restrictions. Promotional or bonus credit has no cash value.

3. Failed or duplicate transactions

A failed transaction may be automatically reversed by the bank or payment provider. If money was debited but no balance was credited, send us the phone number’s last four digits, amount, date and payment/order ID. Never send your full card number, UPI PIN, OTP or banking password.

4. How to request a refund

Email hello@vingo.chat with the subject “Refund Request” and include the payment ID, amount, payment date, account phone number’s last four digits and a short explanation. Submit requests promptly, preferably within 7 days of the issue, so transaction logs remain easy to verify. This preference does not reduce any mandatory right available under law.

5. Review and processing

We may ask for reasonable information to verify account ownership and the transaction. Approved refunds are sent to the original payment method. Once initiated, banks and payment networks commonly take about 5–10 business days to reflect the amount; actual timing depends on the method, provider and bank. We will share available refund reference details.

6. Chargebacks and abuse

Please contact us first so we can investigate. Fraudulent refund requests, chargeback abuse or attempts to receive both wallet value and a refund may lead to account restriction. This does not limit legitimate rights to dispute an unauthorized or incorrect transaction.