Refund Policy

1. Overview

All payments are non-refundable once a subscription is activated.

By subscribing to Health & Wealth AI, you acknowledge and agree that all subscription fees are final and non-refundable, except in the limited circumstances described in the Exceptions section below.

2. Why No Refunds

Health & Wealth AI is a digital service that generates personalized AI plans immediately upon questionnaire completion. Unlike physical products, a digital service that has already been rendered cannot be "returned."

Once you complete the health or wealth questionnaire, our AI processes your data and generates a comprehensive, customized plan. This consumes significant computational resources and produces a deliverable that is unique to you.

For this reason, we are unable to offer refunds once your subscription has been activated and plans have been generated.

4. Cancellation

You can cancel your subscription at any time from your account settings.
Cancellation stops all future charges — you will not be billed again.
Your access to the Service continues until the end of your current billing period (monthly or annual).
No pro-rated refunds are provided for the remaining unused portion of your billing period.
After your current billing period ends, your account will revert to a free/inactive state.

5. Exceptions

Refunds may be considered in the following exceptional circumstances:

Duplicate Charges

If you were charged more than once for the same subscription period due to a payment processing error. You must contact support within 7 days of the duplicate charge.

Charges After Cancellation

If you were charged after successfully cancelling your subscription due to a system error on our end.

All exception requests are reviewed on a case-by-case basis at the sole discretion of the Company. We may request documentation or evidence to verify the claim.

6. Plan Changes

Upgrades (e.g., Health Only to Combo) take effect immediately. You will be charged the difference for the remainder of your current billing period.
Downgrades (e.g., Combo to Health Only) take effect at the start of your next billing cycle. You retain access to your current plan until then.
No refunds are provided for the unused portion of a plan when upgrading. The remaining value is applied as a credit toward the upgraded plan.

7. Contact for Issues

If you believe you are entitled to a refund under the exceptions listed above, or if you have any billing-related questions, please contact us:

Ganakys Codilla Apps (OPC) Private Limited

Email: support@healthwealth.cloud

Phone: +91 7907191184

When contacting us about a billing issue, please include your registered email address, the date of the charge, and a description of the issue. We aim to respond to all billing inquiries within 48 hours.

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