Refund, Cancellation and Payment Policy

Effective date: 20 October 2026

1. General rule: payments are final

Digital astrology products (AI chat access, consultation credits and subscriptions) are delivered immediately or on a scheduled date and are therefore non-refundable once delivered, except as set out below or where the law gives you a right that cannot be excluded.

2. When we will fix, restore or refund

• You paid but access was not activated: we will activate it or refund you in full.
• You were charged more than once for the same order: we refund the duplicate.
• The astrologer cancels, is unavailable or does not attend a booked session: your credit is restored so you can rebook, or you may ask for a refund.
• Aven AI Astro was unavailable for the whole of your access period so that no reply could be delivered: we extend your access or refund you.
• A payment was taken but the order failed: the amount is returned by the payment provider.

3. When we will not refund

• Change of mind, dissatisfaction with a reading, or an outcome that did not match an expectation (astrology is not predictive science and no outcome is guaranteed).
• Missed sessions or late cancellation (less than 12 hours before start) by the customer.
• Expired credits and expired access.
• Misuse or breach of the Terms.

4. Cancelling a booking

Cancel from Bookings at least 12 hours before the start and your credit is restored. Restored credits remain valid only until their original expiry date.

5. How to ask and timelines

Write to aven@kartexa.com (or open a Support ticket) within 7 days of the payment with your order number. We acknowledge within 24 hours and decide within 7 working days. Approved refunds go back to the original payment method; banks and providers usually take 5–10 working days to show the credit.

6. International payments

PayPal payments are charged in US dollars at the rate and rounding shown at checkout. Refunds are made in the original currency, and exchange-rate differences and provider fees may apply.

7. Chargebacks

Please contact us before raising a chargeback so we can resolve the issue quickly. Unjustified chargebacks may lead to account suspension.

8. Your statutory rights

This policy does not limit your rights under the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020.

Contact: aven@kartexa.com · Grievance Officer: Abhishek, aven@kartexa.com

Version 2026-10-20