Payment & Cancellation Policy

Topper · HouseofTech Innovation Pvt Ltd

Last updated: 16 July 2026

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

1. Plans & Purchases

Topper offers paid subscription plans and may offer one-time purchases that unlock premium study features — for example unlimited questions, step-by-step worked solutions, additional subjects or boards, ad-free use, scan-to-solve, saved answer history, and progress tracking. 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.

• Premium subscription — recurring; the billing cycle and price are those shown on the in-app paywall at the time of purchase.
• One-time unlocks (if offered) — a single charge, as shown at the time of purchase.

Active subscribers retain access to all premium features for the entire paid period.

2. Payment Methods

• Payments are processed by licensed payment gateways — primarily Razorpay and PhonePe — supporting UPI, credit/debit cards (Visa, Mastercard, RuPay, American Express), net banking, and popular wallets. The active gateway may change from time to time without prior notice.
• For recurring subscriptions, you authorise the gateway to charge the agreed amount on each renewal date (for example via UPI AutoPay or a card mandate) until you cancel.
• HouseofTech does not store your card, UPI, or bank details — 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); 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 (GST, VAT, 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 payment method and mandate set up at first purchase.
• If a renewal payment fails, the gateway may retry per its policy. If payment cannot be collected, your subscription lapses automatically — your child’s access reverts to the free tier and their saved history is not deleted.

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 — your child keeps premium access until the paid period ends. Uninstalling the App does not cancel your subscription.

Option A — From your UPI app (if you pay by UPI AutoPay)

If you set up your subscription using UPI AutoPay, the renewal mandate sits inside the UPI app you paid with (for example PhonePe, Google Pay, Paytm, BHIM, or your bank’s app). You can pause or cancel it there:

• Open your UPI app and search for AutoPay (it may also be listed as Mandates, Autopay & Mandates, or Automatic payments, usually under your profile or settings).
• Find the Topper mandate in the list of active AutoPay mandates.
• Choose Pause to temporarily stop upcoming charges, or Cancel to stop them permanently.
• 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 and your child’s access reverts to the free tier.

Option B — Email Support

• Email support@houseoftech.ai from your registered email with the subject “Topper 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.
• Dissatisfaction with an AI-generated answer, or with the accuracy, depth, style, or curriculum fit of explanations — AI answers are provided as a study aid and are not guaranteed to be correct or syllabus-aligned (see our Terms & Conditions).
• Any academic outcome — we do not guarantee grades, ranks, or exam results, and no refund is available on the basis of one.
• 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, including use during an examination or other breach of academic honesty.

6.3 How to request a refund

• Email support@houseoftech.ai with subject “Topper 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 Topper remains available without payment and includes homework help with limits (such as a capped number of questions per day or restricted subjects and features).
• 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