Refund and Cancellation Policy

This policy applies to purchases on askllm.io, operated by Hublo Technologies (trading as HUBLO.AI). Payments are processed by Razorpay. It is shown before you pay and is part of the Terms of Service.

Customers outside India are charged in United States dollars (USD). Customers in India are charged in Indian rupees (INR). A refund is returned in the currency that was charged, for the same amount. If your bank converted the charge, we do not cover the exchange difference.

1. Digital access

AskLLM is a digital service. Nothing is shipped. After payment is confirmed, access to the purchased report or plan is granted online at askllm.io. There is no delivery waiting period.

Access may be revoked for non-payment, the end of a paid period, or a material breach of the Terms of Service.

2. Two-day refund

For a paid plan charge through Razorpay, you may cancel and request a full refund within 2 calendar days of the date Razorpay records payment capture for that charge, as shown on your receipt. This is subject to fraud checks and the Terms of Service. After day 2, that charge is not refunded, except under section 3 or where the law requires a refund.

3. When we still refund after day 2

A full refund is also issued when:

• Payment was captured but our system did not generate or deliver the audit report.
• You were charged more than once for the same transaction because of a processing error.
• Razorpay debited you, but a gateway error stopped us from granting access.

Eligible refunds go back to the original payment method. Where tax was charged on that transaction, the tax is refunded with it, and a credit note is issued where tax rules require one.

4. Audit Credits

A plan includes a wallet of Audit Credits. One credit is used per billable audit run. Credits are added on a successful subscription charge or renewal, on a promotional grant, and on an eligible top-up. On each renewal, up to 5 unused credits may roll into the new period. Any balance above that cap expires with no compensation. While a subscription is active, you will not hold more than the plan allowance plus those 5 rollover credits after a renewal grant.

Unused credits do not roll into a later month after the subscription is cancelled or has lapsed.

5. Cancellation

You may cancel so that later renewals are not charged, in your account where that control is available, or by contacting us. You keep access through the end of the period you already paid for. We do not charge a cancellation fee of our own.

After that paid period ends, you may spend remaining Audit Credits for up to 3 calendar days, or until the balance is zero, whichever comes first. Resubscribe and plan changes are unavailable during that window. Credits still unused at the end of the window are forfeited with no compensation. A new plan after the window starts a new credit allowance. Completed audits stay visible on this email.

If a renewal payment fails and the subscription lapses, the same 3 calendar day window applies after the period end.

Once an audit report is shown on screen or sent by email, that report is treated as delivered. A later refund does not remove analysis you already received.

6. How long a refund takes

Approved refunds are sent within 5 to 7 business days of approval to the original payment method. Your bank or card issuer may take longer to show the credit. We are not responsible for delay after we have started the refund.

7. When to write to us

A 2-day refund request must reach us within those 2 calendar days of payment capture.

For a technical failure, duplicate charge, or gateway error, email us within 30 calendar days of the transaction, or within 30 days of when you discovered the error or reasonably should have discovered it. Older claims may be declined if we cannot verify them with Razorpay.

8. How to request a refund

Email grievance [at] askllm.io with the subject Refund Request and include:

• Your registered email address
• Razorpay payment ID or transaction reference
• Date of the transaction
• Reason for the request

We acknowledge the request within 48 hours and aim to resolve it within 30 days, in line with the Consumer Protection (E-Commerce) Rules, 2020.

9. Chargebacks

Contact grievance [at] askllm.io before you start a chargeback with your bank. Most billing errors are resolved faster that way.

Card-network chargeback windows apply, often up to 120 days for international cards. An unwarranted chargeback may lead to a temporary suspension of the account until the dispute is resolved.

10. Contact

Hublo Technologies trading as HUBLO.AI
Phone: See askllm.io/contact
Refunds and billing: grievance [at] askllm.io
Contact page: askllm.io/contact