Refunds & cancellation

Modern Panditji sells one-time message packs. There is no subscription, no auto-renewal and no stored mandate — nothing will ever charge you a second time unless you buy a second pack yourself. So there is no plan to cancel, no billing to stop, and nothing you have to remember to switch off before a date. If you simply stop using the site, nothing happens and nothing is owed.

An unused pack comes back in full

If you bought a pack and have not spent a message from it, ask and we refund the whole amount. There is no restocking fee, no processing deduction and no argument about why — we would rather return ₹999 than keep money somebody regrets spending.

A partly used pack is worked out by a person

If some messages have been answered, write to us and tell us what happened. As a rule we refund the part you have not used. We do this by hand rather than by formula, because how much a half-spent pack is worth depends on what actually went wrong, and a formula would get that right less often than a person reading your message does.

A refunded pack stops working

Once a refund is issued, the balance from that pack is withdrawn — you cannot hold the money and the messages at once. Any other pack you hold is untouched. Messages already answered stay answered: your transcript is yours, and nothing is deleted from it.

Money left your account and no messages arrived

That is usually not a refund at all — it is a payment that never completed, and your bank reverses it on its own, typically within five to seven working days. If the payment did in fact succeed, the pack is credited as soon as the confirmation reaches us; that confirmation comes from the payment gateway rather than from your browser, so a closed tab or a dropped connection does not lose it. Either way, write to us with the payment id and we will find out which of the two happened rather than leave you guessing.

An expired pack

Unspent messages lapse at the end of the pack’s validity window, and an expired pack is not normally refunded — the date was shown before you bought and in your account throughout. That said, if you could not use it because something on our side was broken, that is our fault and not yours. Tell us and we will fix it.

What we cannot refund

We cannot refund a reading because you disagreed with it or because it did not come true. Everything here is offered for reflection and cultural interest, not as a prediction — the disclaimer says so plainly and this page cannot promise otherwise. What we would still like is your message: if an answer was wrong about your own chart, that is a bug in the calculation and we want to know.

Write to contact@modernpanditji.com. That is the whole process.

• —Write to us from the email address on your account, or through the contact page.
• —Include the payment or order id from your Razorpay receipt, and one line about what happened.
• —You do not need to fill in a form, open a ticket or chase anybody.

We reply within 3 working days. If we agree a refund, we raise it with Razorpay within 5 working days of agreeing it. We would rather ask you a question than refuse quietly, so if you do not hear from us in that time, assume the mail went astray and send it again.

A refund goes back the way it came — to the same card, UPI id or account the payment was made from. We cannot send it anywhere else, and we do not hold it as site credit unless you ask us to. Razorpay processes it, and after that the timing belongs to your bank: usually 5 to 7 working days for the amount to appear on your statement, occasionally a little longer.

The rest of the agreement is in our terms; what a pack costs and how far it goes is on the pricing page; and how a pack is delivered in the first place is in the delivery policy.