Payment & Cancellation Policy

Chatpic · HouseofTech Innovation Pvt Ltd

Last updated: 18 September 2026

This Policy explains pricing, payment processing, automatic renewal, cancellation, and refunds for the Chatpic subscription service offered by HouseofTech Innovation Pvt Ltd.

1. Plans & Pricing

Chatpic is a paid app. Generating AI photos requires an active paid plan — see §6 below. We offer:

• An introductory trial — a small one-time charge that unlocks a starter balance of coins for a short period, and registers a UPI AutoPay mandate for the monthly plan.
• Chatpic Pro — a monthly subscription that credits a fixed coin allowance every billing cycle until you cancel.
• Coin packs (for Pro members) — one-time top-ups that add coins to your wallet. They do not renew.

All prices, coin amounts, trial length and what each plan includes are shown inside the app before you confirm any payment. They may be changed at any time; the amount shown on the payment screen at the time of purchase is the amount you are charged. When you approve a UPI AutoPay mandate, the per-debit ceiling is also shown in your UPI app before you confirm, and no single debit will exceed it.

Active subscribers retain access to all included premium styles and Pro features for the entire paid period.

2. Payment Methods

• Payments are processed by RBI-licensed payment gateway partners (such as Razorpay, PhonePe, or similar providers). The active payment gateway may change from time to time without prior notice.
• Supported methods: UPI & UPI Autopay, credit/debit cards, netbanking.
• For UPI Autopay and card mandates, you authorise the payment gateway partner to debit the agreed amount on each renewal date until you cancel.
• HouseofTech does not store your card or UPI credentials.

3. Auto-Renewal

• Subscriptions auto-renew at the end of each billing cycle using the mandate set up at first purchase. (One-time credit packs do not auto-renew.)
• You will receive a notification from your bank or UPI app before each Autopay charge, as required by RBI guidelines.
• If a renewal payment fails, the payment gateway may retry it over the following days. If it cannot be collected, the subscription lapses and Pro access ends.

4. How to Cancel Auto-Renewal

You can cancel auto-renewal at any time. Cancellation prevents future charges but does not cut your current period short — you keep Pro access until your paid period ends. Uninstalling the App does not cancel your subscription. There is no cancel button inside the App; use either option below.

Option A — From your UPI app (instant)

• Open the UPI app you paid with (PhonePe, Google Pay, Paytm, BHIM or your bank’s app).
• Go to AutoPay / Mandates / Subscriptions (the name varies by app; it is usually under Profile or Settings).
• Find the mandate for “HouseofTech” / “Chatpic” and choose Pause or Cancel. Once cancelled, no further debit can occur.
• For card mandates, log in to your bank’s net banking → Recurring payments / Standing instructions → cancel the mandate.

Option B — Email us

• Email support@houseoftech.ai from your registered email, or include your registered mobile number in the message, with the subject “Chatpic Cancellation Request”.
• We cancel the mandate from our side within 2 working days and confirm by reply. A charge that goes through before we act, because it was already scheduled, is refunded if you had written to us before the debit.

5. Refund Policy

5.1 Eligible refund cases

• Duplicate charge — if you were debited twice for the same subscription cycle or pack, the duplicate amount is refunded in full within 5–7 working days.
• Failed activation — if your payment was deducted but your subscription / credits were not activated within 24 hours and our support team cannot resolve it, you receive a full refund.
• Unauthorised charge — if you can show a charge was made without your consent (e.g., fraudulent mandate), report it within 7 days; we will investigate and, if confirmed, refund the disputed amount.
• Technical failure on our side — if a generation failed and the credit was deducted due to a verified fault in our system (not your input or content being rejected by safety filters), we will restore the credit or refund it.

5.2 Non-eligible cases

• Dissatisfaction with the artistic style or quality of an AI-generated result (outputs are inherently variable — see our Terms & Conditions).
• Change of mind, loss of interest, or unused subscription time.
• Credits already consumed by successful generations.
• Inability to use the App due to user-side issues such as device incompatibility, storage, connectivity, or accidental deletion.
• Generations refused because your input violated our acceptable-use rules or safety filters.
• Failure to cancel before an upcoming renewal date.

5.3 How to request a refund

• Email support@houseoftech.ai with subject “Chatpic Refund Request”.
• Include your registered phone number / email, transaction ID (visible in your UPI / bank statement and under Settings visible in your UPI / bank statement and in the App's Subscription screenrarr; Payment history & invoices in the App), and reason for refund.
• We acknowledge within 2 working days and resolve eligible refunds within 7–10 working days. Refunds are credited back to the original payment instrument.

6. Free Tier & Trials

• Chatpic does not have a free tier. You can install the app, sign in and browse the available styles at no cost, but generating an AI photo requires an active paid plan.
• The lowest-cost way to start is the introductory trial. Its price, duration, the coins it includes and what happens when it ends are all shown on the payment screen before you confirm.
• Unless you cancel before the trial ends, the monthly Pro plan begins automatically via the UPI AutoPay mandate you approved, at the monthly price shown when you signed up.

7. Price Changes

• Prices are set inside the App and may be revised at any time. Existing active subscribers continue at the price they originally agreed to until their next renewal cycle.
• If pricing changes for the next renewal, you will be notified at least 7 days before the renewal date and may cancel before being charged the new rate.

8. Taxes

• All prices are inclusive of applicable taxes such as GST.
• GST invoices are available on request from support@houseoftech.ai.

9. Chargebacks & Disputes

• If you initiate a chargeback through your bank without first contacting us, we may suspend or terminate your account during dispute resolution.
• Please email or call support first — most issues are resolved faster directly.

10. Contact

• Company Name: HouseofTech Innovation Pvt Ltd
• Email: support@houseoftech.ai
• Address: F-118, Adani Galeria, Sector 89A, Gurgaon, Haryana, India
• GST Number: 06AALCP3434H1ZE