Why2Wise — Refund and Cancellation Policy

Effective from: 22 October 2026

1. Scope

1.1 This Policy governs payments made on the Platform, Credits, and the circumstances in which money is refunded or Credits are restored. Capitalised terms have the meanings given in the Terms of Service.

1.2 The Platform provides digital services. A purchase is complete, and the service is treated as supplied, when the plan, Credits or feature purchased is made available to Your account.

2. Credits

2.1 Credits are consumed when You confirm the use of a feature, in the number displayed on the Platform before You confirm.

2.2 Credits are restored only where the Platform indicates that a particular use is eligible for restoration, or where Why2Wise determines that a use could not be fulfilled for a reason attributable to Why2Wise. Restoration is made in Credits, not in money.

2.3 Credits have no cash value, are not refundable in money, and lapse on expiry or on closure of the account, save as stated in Clause 3.2.

2.4 Why2Wise's determination under this Clause is final, save for Your rights under Clause 3.3.

3. Monetary Purchases

3.1 The general rule. All monetary purchases on the Platform, including plans, Credit packs and any other paid feature, are final, non-refundable and non-cancellable once processed.

3.2 Exceptions. A refund is made only where:

3.2.1 the payment gateway charged You more than once for the same order, in which case the duplicate charge is refunded;

3.2.2 a transaction is verified, after investigation with the payment gateway, as unauthorised; or

3.2.3 Why2Wise terminates Your access for convenience, or permanently withdraws the Platform, in which case a pro-rata refund of the unexpired portion of a prepaid plan, and of any unexpired paid Credits, is made.

3.3 Statutory rights. Nothing in this Policy limits a right to a refund conferred by the Consumer Protection Act, 2019 or any other law that cannot be excluded by agreement.

3.4 No refund. Without limiting Clause 3.1, no refund is made for a partly used plan, for expired or used Credits, for a change of mind or non-use, for dissatisfaction with an output, where You delete Your account, or where the account is suspended or terminated for a breach of the Terms of Service or the Acceptable Use Policy.

3.5 Plans. A plan runs for the term shown at purchase and does not renew automatically unless stated at purchase.

4. Procedure

4.1 A refund request under Clause 3.2 must be sent to support@why2wise.in from the email address registered on the account, with the order reference, proof of payment and the ground relied on.

4.2 A request is acknowledged within forty-eight (48) hours of receipt and decided within one (1) month of receipt.

4.3 An approved refund is made only to the original payment instrument, subject to payment gateway and banking timelines. Where the refund arises from Your own action, the gateway's transaction fee may be deducted.

5. Access Through an Institute

5.1 Where access is paid for or provided by an Institute, any refund is governed by the agreement between Why2Wise and that Institute and is made, if at all, only to the Institute.

6. Taxes

6.1 Taxes are charged where and as required by law.

7. Amendment

7.1 Why2Wise may amend this Policy by publishing the amended version on the Platform. An amendment does not affect a purchase completed before it takes effect.

8. Grievances and Contact

8.1 Grievances are handled in accordance with Clause 20 of the Terms of Service.