Refunds & cancellation

Modern Panditji works on one-time wallet recharges. There is no subscription, no auto-renewal and no stored mandate, so nothing will ever charge you again unless you recharge 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.

We put problems right with wallet credit

If an answer was cut off, a reading did not work, or something on our side broke while you were using your balance, write to us. We add the amount back to your wallet as credit. It never expires and works with every Panditji and every reading.

Spot a wrong fact in your chart, get ₹5,000

From 30 September 2026, if Panditji states a fact about your chart that is wrong, such as a planet’s sign or house, your nakshatra, a dosha or your dasha dates, we add ₹5,000 to your wallet. Predictions and opinions are not covered. It is wallet credit, not cash, given once per person, and claimed from the contact page within 30 days of the chat. The full conditions, and how we may change the offer, are in our terms.

Your wallet balance never expires

What you add to your wallet stays there until you spend it. Because nothing lapses, a balance you have not used yet is not paid back as money. Chats you have already had stay in your transcript, and nothing is deleted from it.

Money left your account but your wallet did not change

Usually the payment never completed, and your bank reverses it on its own within five to seven working days. If it did go through, your wallet is credited as soon as the payment gateway confirms it. That confirmation comes from the gateway rather than your browser, so a closed tab or a dropped connection does not lose it. Write to us with the payment id and we will tell you which of the two happened.

Charged twice for one recharge, money back

If the same payment went through twice, the second charge goes back to your original payment method in full.

Paid for something we could not deliver, your choice

If you paid for a reading or a report and we were never able to give it to you, choose how you want it back: the full amount as wallet credit, or the full amount to your original payment method. The same applies if Panditji could not read your photograph after both free retakes.

A reading you have already read

Once a reading has been written and shown to you, it has been delivered. We do not refund it because you disagreed with what it said. If something in it was wrong about your own chart, write to us anyway, because that is a bug we want to fix.

What we cannot refund

Readings are offered for reflection and cultural interest, not as predictions, so we cannot refund one because it did not come true. The disclaimer says so plainly and this page cannot promise otherwise.

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 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. Wallet credit is added the same day we agree it. In the two cases that come back as money, we raise the refund 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.

In the two cases where money comes back, it 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. 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 and occasionally a little longer.

A refund is returned in the currency you were charged in. If your bank converted that amount when you paid, it converts it back at the rate on the day of the refund, so the figure landing in your account can differ a little from the one that left it. That difference is your bank’s exchange rate rather than a deduction by us, and we refund the full amount every time.

The rest of the agreement is in our terms. What a minute costs is on the pricing page, and how a recharge reaches your wallet is in the delivery policy.