Important. Due to the instant calculation and direct download design of our digital Vedic Palmistry reports, all sales are final once processed. Please review your inputs carefully before completing payment.
1. Nature of the product
Cosmic Palm sells a single digital good: a personalised Vedic palmistry & astrology PDF report (the "Report"). The Report is generated on demand — the moment your payment is verified — using your specific birth details and palm capture. There is no physical shipment, subscription or recurring charge.
2. Order cancellation
Because the Report begins generating immediately after a successful Razorpay payment is verified by our backend, cancellations are not possibleonce payment has been completed. If you change your mind, you must close the Razorpay checkout modal before confirming payment.
3. Refund eligibility
Refunds are issued only in the following exceptional circumstances:
- Duplicate charge. If the same Razorpay order ID is captured more than once due to a technical error on our side, the duplicate amount will be refunded in full.
- Non-delivery. If our system fails to deliver a downloadable PDF within 24 hours of a verified payment, and our support team is unable to fix the issue, you may request a full refund.
- Unauthorised transaction. If you can demonstrate that your payment method was used without your authorisation, please contact your bank or Razorpay first to raise a chargeback; we cooperate fully with any legitimate fraud investigation.
Refunds are not granted for any of the following reasons:
- "I changed my mind" / buyer's remorse after the Report has been generated.
- "The reading was not what I expected" — astrology and palmistry are inherently interpretive; we do not guarantee outcomes.
- Incorrect birth details supplied by you (please double-check before paying).
- Inability to download the PDF caused by your own device, browser settings, or network blocks (we provide a fresh download link on request).
4. How to request a refund
If you believe your case falls under Section 3, email vabsoldigitalsolution@gmail.com within 7 days of the transaction with the following information:
- Your Razorpay payment ID (begins with
pay_) and order ID (begins withorder_). - The email address (if any) used at checkout.
- A clear description of the issue, with screenshots where applicable.
5. Processing timelines
Approved refunds are initiated to Razorpay within 3 business days of approval. Razorpay then credits the amount to the original payment instrument — this typically takes a further 5–7 business days for credit/debit cards and1–3 business days for UPI / netbanking, depending on your bank.
6. Currency & conversion
Refunds are issued in the original currency of the transaction (INR). If your bank applied a foreign-exchange conversion, the refunded amount in your local currency may differ from the original debit because of intervening exchange-rate movement. Cosmic Palm is not responsible for FX differences.
7. Chargebacks
If you initiate a chargeback through your bank or card network without first contacting our support team, we reserve the right to provide Razorpay and the network with the full transaction trail (signed HMAC, IP address, timestamps and download logs) to contest the chargeback. We strongly prefer to resolve disputes directly with you.
8. Contact
All refund and cancellation queries: vabsoldigitalsolution@gmail.com.