Refund & Cancellation Policy

How Talksy Wallet Works

Talksy operates on a prepaid wallet system where you:

• Add money to your Talksy wallet through secure payment methods
• Credits are deducted from your wallet when you talk with listeners
• You pay only for the actual talk time you use
• Unused wallet balance remains in your account for future conversations

Talk Time Charges

When you connect with a listener on Talksy:

• Charges are calculated per minute of conversation
• Rates may vary based on the listener and time of day
• You will see the rate before starting any conversation
• Billing starts when the call connects and stops when the call ends
• Any technical disconnections are automatically adjusted

Wallet Balance Management

Your wallet balance:

• Does not expire and remains available for future use
• Can be topped up anytime through the app
• Is fully secure and protected
• Can be checked anytime in your account settings

General Refund Policy

Upon adding money to your Talksy wallet, you are entering into a legally binding agreement with us to purchase talk time credits. Due to the nature of our service providing immediate access to listeners, we generally have a no-refund policy. However, we may consider refund requests in specific circumstances outlined below.

Eligible Refund Scenarios

• Accidental Top-up: If you accidentally added money to your wallet and contact us within 24 hours before using any credits
• Technical Issues: If technical problems prevented you from using the service and we cannot resolve them within 48 hours
• Service Disruption: If our platform is unavailable for extended periods (more than 24 consecutive hours) preventing you from using your credits
• Billing Errors: If you were incorrectly charged due to system errors or payment processing issues
• Listener Issues: If a listener behaves inappropriately or violates our community guidelines during your conversation
• Call Quality Issues: If poor audio quality or technical problems significantly impact your conversation experience

Non-Refundable Scenarios

• Credits already used for completed conversations
• Account termination due to violation of Terms of Service
• Refund requests made more than 7 days after the wallet top-up
• Unused credits in your wallet (these remain available for future use)
• Dissatisfaction with conversation content (that doesn't violate our guidelines)

Refund Request Process

To request a refund, you must:

1. Contact our support team at talksy777@gmail.com within 7 days of the transaction
2. Provide your account username/email and transaction details
3. Clearly specify the reason for your refund request with supporting evidence
4. Include conversation details if the issue relates to a specific interaction

All refund requests are reviewed individually, and approval is at our sole discretion. We may ask for additional details before processing any request.

Refund Request Review

We will review and respond to refund requests within 2-3 business days.

Refund Processing

If approved, refunds will be processed as follows:

• UPI/Digital Wallets: 1-3 business days
• Credit/Debit Cards: 5-7 business days
• Net Banking: 3-5 business days
• App Store Purchases: Follow app store refund timelines

Dispute Resolution

If you're unsatisfied with a refund decision:

• You can escalate the matter by replying to our support email
• We will review escalated cases within 5 business days
• Final decisions will be communicated via email with detailed reasoning

Talksy supports multiple payment methods for wallet top-ups:

• Direct Payment: Credit/debit cards, UPI, net banking, digital wallets
• App Store Payments: Through iOS App Store or Google Play Store billing

App Store Purchase Refunds

If you added money to your wallet through app store billing:

• Refund policies are governed by Apple's or Google's respective refund policies
• You must request refunds directly through the app store
• We cannot process refunds for app store purchases directly
• Your unused credits remain in your Talksy wallet regardless of app store refunds

Direct Payment Refunds

For direct payments made through our payment gateway:

• Refunds are processed back to your original payment method
• Bank transfer refunds may take 5-7 business days
• UPI and digital wallet refunds typically process within 1-3 business days

Talksy may occasionally offer promotional credits, welcome bonuses, or referral rewards:

• Promotional credits cannot be refunded or converted to cash
• Bonus credits may have expiration dates as specified in the promotion
• You are eligible for new user bonuses only once per account
• Promotional credits are used first before paid credits
• Terms and conditions of specific promotions will be clearly stated

If your account is suspended or terminated:

• For Terms Violations: No refund will be provided for unused wallet balance
• At Your Request: Unused wallet balance may be refunded at our discretion, minus any applicable fees
• Due to Our Error: Full wallet balance will be refunded
• Fraudulent Activity: Account will be terminated with no refund eligibility

Before account deletion, you will be notified and given an opportunity to use remaining credits or request a refund for unused balance.

For questions about refunds, cancellations, or billing issues, please contact us:

Please include your account information and transaction details when contacting us for faster assistance.

We reserve the right to modify this refund and cancellation policy at any time. Changes will be effective immediately upon posting on our website. Continued use of our services after policy changes constitutes acceptance of the new terms.

We will notify users of significant policy changes through:

• In-app notifications
• Email notifications to registered users
• Updates on our website

This policy is governed by the laws of India and is subject to our Terms and Conditions. In case of any conflict between this policy and applicable law, the law will prevail.

For users in certain jurisdictions, you may have additional rights under local consumer protection laws. This policy does not limit any rights you may have under applicable law.