Payment & Cancellation Policy

Mystic : Tarot Guide · HouseofTech Innovation Pvt Ltd

Last updated: 24 July 2026

This Policy explains pricing, payment processing, automatic renewal, cancellation, and refunds for the Mystic : Tarot Guide subscription service and in-app purchases offered by HouseofTech Innovation Pvt Ltd.

1. Plans & Purchases

Mystic : Tarot Guide offers paid subscription plans and may offer one-time purchases that unlock premium content and features — for example ad-free use, unlimited readings, advanced spreads, detailed horoscopes, and exclusive content. Current pricing is displayed on the in-app paywall at the time of purchase, in your local currency where supported, and may be updated from time to time.

Active subscribers retain access to all premium content 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 — they are held by the payment gateway under its own security standards (PCI-DSS).

3. Currency, Pricing & Taxes

• Prices are shown in your local currency where supported (e.g., INR, USD, EUR, GBP); otherwise in USD. Your bank or card issuer may apply foreign-exchange fees for cross-currency charges.
• Depending on your region, prices may be inclusive or exclusive of applicable taxes (VAT, GST, sales tax). Any applicable taxes are shown at checkout.
• A receipt is emailed to you for each payment. Tax invoices are available on request from support@houseoftech.ai.

4. Auto-Renewal

• Subscriptions auto-renew at the end of each billing cycle using the UPI Autopay or card mandate set up at first purchase.
• If a renewal payment fails, the payment gateway may retry per its policy. If payment cannot be collected, your subscription lapses automatically — access reverts to the free tier.

5. 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 continue to enjoy premium access until your paid period ends.

Option A — From your UPI / Bank App

• Open your UPI app (PhonePe, GPay, Paytm, BHIM, or your bank’s app) and search for AutoPay (it may also be listed as Mandates, Autopay & Mandates, or Automatic payments).
• Find the “HouseofTech / Mystic” mandate → choose Pause to temporarily stop upcoming charges, or Cancel to stop them permanently.
• For cards, log in to your bank’s net banking → Recurring Mandates → cancel the standing instruction.
• Once the mandate is paused or cancelled we cannot collect the next renewal, so your subscription lapses at the end of your current paid period.

Option B — Email Support

• Email support@houseoftech.ai from your registered email with the subject “Mystic Cancellation Request” and we will cancel the auto-renewal within 2 working days.

6. Refund Policy

6.1 Eligible refund cases

• Duplicate charge — if you were charged twice for the same cycle or unlock, the duplicate amount is refunded in full within 5–10 working days.
• Failed activation — if your payment was charged but premium access was 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, report it within 7 days; we will investigate and, if confirmed, refund the disputed amount.
• Statutory rights — if the consumer law of your country grants a mandatory withdrawal/cooling-off or refund right that applies to digital services, we will honour it. Note that in many jurisdictions (e.g., the EU/UK), the 14-day withdrawal right for digital content lapses once you consent to immediate delivery and the service is performed.

6.2 Non-eligible cases

• Change of mind, loss of interest, or unused subscription time or readings.
• Dissatisfaction with a reading, horoscope, or interpretation, or with the choice or selection of content — readings are provided for guidance and entertainment only (see our Terms & Conditions).
• Inability to use the App due to user-side issues such as device incompatibility, connectivity, or revoked permissions.
• Failure to cancel before an upcoming renewal date.
• Account suspension or termination for violation of our Terms or usage rules.

6.3 How to request a refund

• Email support@houseoftech.ai with subject “Mystic Refund Request”.
• Include your registered email, transaction ID (visible in your payment receipt and in the App's Subscription screen), 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 method; cross-border refunds may take longer depending on your bank.

7. Free Tier & Trials

• The free tier of Mystic : Tarot Guide remains available without payment and includes a selection of readings and content with limits.
• If a free trial is offered for a paid plan, the trial details and end date are shown at the paywall before you confirm. Auto-charge begins at the end of the trial unless you cancel before then.

8. Price Changes

• We may revise plan prices. Existing active subscribers continue at the price they originally agreed to until their next renewal cycle.
• If pricing changes for your next renewal, you will be notified in advance and may cancel before being charged the new rate.

9. Chargebacks & Disputes

• If you initiate a chargeback through your bank or card issuer without first contacting us, we may suspend or terminate your account during dispute resolution.
• Please email 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