Refund and Cancellation Policy

This policy applies to payments made for the Broadchat service operated by Nxiora: subscription plans, add-ons and wallet recharges (prepaid balance used for plans and for WhatsApp messaging charges). All services are digital and are delivered online.

• Plans are prepaid for the selected billing cycle (for example monthly, quarterly, half-yearly or yearly).
• You can cancel at any time by turning off renewal or by not renewing your plan. Your plan stays active until the end of the paid cycle.
• Fees for a billing cycle that has started are not refundable, and we do not give pro-rata refunds for unused days or unused limits, except where required by law or stated in section 5.
• When you upgrade, the new plan applies immediately. Downgrades apply from the next billing cycle.

• Wallet balance is prepaid credit for use on the platform. It is not a bank deposit, does not earn interest and cannot be transferred to another account.
• Balance used for WhatsApp messaging is passed on to Meta for messages already sent and cannot be refunded.
• Unused wallet balance is generally non-refundable. If you close your account, you may request a refund of unused balance within 30 days of closure; approved refunds are made after deducting payment gateway charges, taxes already remitted and any amounts you owe.
• Messaging charges are estimated when a message is sent and may be adjusted after Meta's final monthly billing report. Adjustments are applied to your balance.

Free trials, coupon discounts and promotional or bonus credit have no cash value and are not refundable.

• Duplicate payment: you were charged twice for the same order.
• Failed credit: your payment succeeded but the plan or wallet was not credited, and we cannot credit it.
• Service not provided: we could not provide a paid service because of a fault on our side that we did not fix within a reasonable time.

Report such issues within 30 days of the payment, with the payment reference, to support@broadchat.in.

Approved refunds are made to the original payment method. We initiate them within 7 working days of approval; the money usually reaches your account within 5 to 10 working days after that, depending on your bank or payment provider. Payments by bank transfer are refunded to the account they came from.

Accounts suspended or terminated for breaking our Terms of Service or Acceptable Use Policy, or WhatsApp's policies, are not entitled to a refund of plan fees or wallet balance, except where required by law.

For cancellation or refund requests, contact support@broadchat.in. Please include your account email and payment reference.