Refund & Cancellation Policy
Effective: April 16, 2026 · Last updated: April 23, 2026
This Refund & Cancellation Policy applies to all purchases made on askllm.io (the "Service"), operated by Hublo Technologies (trading as HUBLO.AI). Payments are processed by Razorpay Software Pvt. Ltd. All charges are in Indian Rupees (INR). This policy is disclosed before payment is confirmed and is binding on acceptance at checkout.
1. Delivery and Access
AskLLM is a fully digital service. No physical goods are shipped. Upon successful payment confirmation, access to the purchased report or plan is granted immediately. There is no delivery waiting period. Access is available online only at askllm.io.
Access may be revoked on non-payment, expiry of a paid period, or material violation of our Terms of Service.
2. Cooling-off, cancellations, and pro-rata
15-day return (subscriptions and plan fees): For paid plans billed through Razorpay, you may cancel and request a full refund within 15 calendar days from the date Razorpay records successful payment capture for that charge (as shown on your receipt or bank statement), subject to fraud checks and the Terms of Service. This is in addition to your statutory rights under applicable consumer law.
After day 15: You may cancel so that no further renewals are charged where the product allows self-service cancellation or we confirm cancellation by email. For the current paid period, we may issue a pro-rata refund of the unused portion when required by applicable law or at our reasonable discretion. Pro-rata is computed in good faith as approximately: (unused whole calendar days remaining in the paid period ÷ total days in that period) × the fee paid for that period, less amounts we cannot recover (for example certain taxes or fees retained by networks or regulators).
Delivered audit reports: Once an audit report is generated and delivered — displayed on-screen or sent by email — that deliverable is treated as consumed for purposes of that report. The cooling-off and pro-rata rules above apply to the qualifying plan payment; they do not erase completed analysis you have already received. Technical-failure and duplicate-charge rules in Section 3 remain available.
3. Eligible Refund Scenarios
A full refund will be issued in the following circumstances (in addition to the 15-day return in Section 2 where it applies):
- Technical failure: Payment was charged but the audit report was not generated or delivered due to a system error on our end.
- Duplicate charge: You were charged more than once for the same transaction or report due to a processing error.
- Gateway error: Payment was debited by Razorpay but a gateway error prevented service access from being granted.
Refunds in all eligible cases are returned to the original payment method used at purchase.
4. Refund Timeline
Approved refunds are processed within 5–7 business days from the date of approval and credited to the original payment method (card, UPI, net banking, or wallet) used at checkout.
Your bank or card issuer may take additional time to reflect the credit in your account. We are not responsible for delays caused by your financial institution after we have initiated the refund.
5. Currency and GST
All charges are processed in Indian Rupees (INR). If your payment card is issued in a foreign currency, conversion is performed by your card-issuing bank at their prevailing exchange rate. We bear no liability for exchange rate differences between the time of charge and the time of refund.
Refunds are returned in INR — the exact INR amount originally charged. We do not compensate for foreign exchange fluctuations.
Where GST was charged on the original transaction, the GST component is also refunded. A credit note will be issued in compliance with applicable GST rules.
6. Refund claim windows
15-day return and pro-rata (Section 2): Requests must be received within the 15 calendar days described there (from payment capture), or within a reasonable period for post–day-15 pro-rata where we have offered or confirmed one in writing.
Technical failure, duplicate charge, or gateway error (Section 3): Please email us within 30 calendar days of the transaction date, or within 30 days of the date you discovered (or reasonably should have discovered) the error. Older claims may be declined where we cannot verify records with Razorpay.
7. How to Request a Refund
To raise a refund request, email with the subject line "Refund Request" and include:
- Your registered email address
- Razorpay Payment ID or transaction reference
- Date of the transaction
- Reason for the refund request
We will acknowledge your request within 48 hours and resolve it within 30 days, in accordance with Consumer Protection (E-Commerce) Rules 2020.
8. Cancellation
For one-time audit purchases, you may still use the 15-day return in Section 2 where it applies to the qualifying charge; after that window, cancellation does not undo a completed payment except under Section 3 or applicable law.
For subscription plans (where offered): you may cancel at any time through your account settings or by contacting us. Cancellation stops future renewals as described at checkout. Where Section 2 applies, you may instead request a refund inside the 15-day window. After day 15, access generally continues until the end of the current paid period unless we agree otherwise or issue a pro-rata refund. No cancellation fees apply beyond what we ourselves incur.
9. Chargebacks and Disputes
We encourage you to contact us at before initiating a chargeback with your bank. Most billing errors can be resolved faster through our internal process.
Razorpay's standard chargeback window applies (typically up to 120 days for international cards per card-network rules). Initiating an unwarranted chargeback may result in temporary account suspension pending resolution.
10. Contact
For all refund and billing queries:
Hublo Technologies (trading as HUBLO.AI)
Email:
Website: https://askllm.io
For physical address and support phone, see our Contact page.