Payment & Cancellation Policy

Saarthi · HouseofTech Innovation Pvt Ltd

Last updated: 23 May 2026

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

1. Subscription Plans

Saarthi offers paid subscription plans for unlimited access to the AI mentor, full study material, current-affairs digests, premium mock tests, AI answer-writing evaluation, an ad-free experience, and other pro features. Current pricing is displayed on the in-app or website paywall at the time of purchase and may be updated from time to time.

Active subscribers retain access to all premium features (unlimited AI mentor queries, full study material, current-affairs digests, premium mocks, AI evaluation, ad-free experience, and any other 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.
• 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, we will retry up to two times within 7 days. If all attempts fail, your subscription will lapse automatically — your access reverts to the free tier.

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 continue to enjoy premium access until your paid period ends.

Option A — From the App or Website

• Open Saarthi → Settings → Subscription → Cancel subscription.
• Confirm — you'll see your access end date.

Option B — From your UPI / Bank App

• Open your UPI app (PhonePe, GPay, Paytm) → Autopay / Mandates → find “HouseofTech / Saarthi” → Pause or Cancel.
• For cards, log in to your bank's net banking → Recurring Mandates → cancel the standing instruction.

Option C — Email or Phone Support

• Email support@houseoftech.ai from your registered phone number / email with the subject “Saarthi Cancellation Request”, or call +91-9958331324, and we will cancel your auto-renewal within 2 working days.

5. Refund Policy

5.1 Eligible refund cases

• Duplicate charge — if you were debited twice for the same subscription cycle, the duplicate amount is refunded in full within 5–7 working days.
• Failed activation — if your payment was deducted 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 (e.g., fraudulent mandate), report it within 7 days; we will investigate and, if confirmed, refund the disputed amount.

5.2 Non-eligible cases

• Change of mind, loss of interest, or unused subscription time.
• Inability to use the Platform due to user-side issues such as device incompatibility, storage, connectivity, or accidental deletion.
• Failure to cancel before an upcoming renewal date.
• Subjective preference for content (selection of topics, mocks, or AI mentor responses).
• Dissatisfaction with examination outcome, ranks, mock-test scores, or AI evaluation results.

5.3 How to request a refund

• Email support@houseoftech.ai with subject “Saarthi Refund Request”, or call +91-9958331324.
• Include your registered phone number / email, transaction ID (visible in your UPI / bank statement and in the 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 instrument.

6. Free Tier & Trials

• The free tier of Saarthi remains available without payment and includes limited access to the AI mentor, daily current affairs, and a sample of practice questions (with usage caps or ads).
• 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.

7. 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 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
• Phone: +91-9958331324
• Address: F-118, Adani Galeria, Sector 89A, Gurgaon, Haryana, India
• GST Number: 06AALCP3434H1ZE