Refund & Cancellation Policy

UrCosmo is a subscription service. You can cancel at any time, and nothing you have put into it is ever deleted because a payment stopped. This page says exactly what happens in each case.

1. Cancelling

Cancel whenever you like from Settings → Billing. There is no cancellation fee, no notice period, and nobody to talk to first.

• Your plan stays active until the end of the period you have already paid for. If you cancel on day 3 of a month you have paid for, you keep the plan until day 30.
• At the end of that period the account moves to Free. It is not closed.
• Credits included with the plan stop renewing. Credits you bought as a pack stay in the account and remain spendable — you paid for those separately, and a cancellation does not take them away.

2. What happens to your data

Nothing is deleted. If you were storing more than the Free plan allows, the account keeps everything and becomes read-only for new uploads until you are back under the limit or on a paid plan again. We do not delete files to make numbers fit.

If you want your data removed, that is a different and separate thing: Settings → Delete account erases the account and everything in it. You can also export your data before you go.

3. Refunds on a subscription

Within 7 days of a charge, you can ask for a refund and you will get one. No reason is required. This applies to your first payment and to any renewal.

The one adjustment: if you have already spent credits from the period being refunded, the value of those credits is deducted. Spending a month of ₹299 of AI and then asking for the ₹299 back is the only case this policy says no to, and it says no to the spent part only.

After 7 days a subscription payment is not refundable, but you can cancel at any moment and will not be charged again.

4. Refunds on credit packs

A credit pack is consumable, so it works slightly differently:

• Unused pack, within 7 days — refunded in full.
• Partly used — refunded for the credits still in the account, within 7 days.
• Fully used — not refundable. The service was delivered.

5. If something went wrong

The 7-day rule is a floor, not a ceiling. If you were charged twice, charged after cancelling, charged for something that did not work, or the service was unavailable when you needed it, write to us and we will make it right regardless of the date. We would rather refund somebody than argue with them.

6. Bought in the iPhone or Android app

A plan or a credit pack bought inside the phone app is sold to you by Apple or Google, not by us. The payment, the receipt and any refund are theirs, and so is the cancel button: you cancel in your App Store or Google Play subscriptions, and keep the plan until the end of the period you have paid for.

Apple does not let an app’s developer refund an App Store purchase, so for one of those you ask Apple, at reportaproblem.apple.com. A Google Play order you can ask Google about from the order itself — or write to us, because that one we can refund ourselves.

If a store refunds a plan, the plan ends with the refund. If it refunds a pack, the credits from that pack you have not spent are removed, and nothing else is.

7. How to ask

Email [email protected] from the address on the account, or use the contact page. Tell us which charge you mean; you do not need to explain why.

We reply within two working days. Approved refunds are issued to the original payment method. Your bank decides how quickly it appears — usually 5 to 7 working days, and occasionally up to 10 for international cards.

8. Price changes

If a price goes up, it does not go up for you mid-period, and we will tell you before the renewal that would charge the new amount.

9. Chargebacks

Please write to us before asking your bank to reverse a charge. A chargeback costs us a fee and freezes the account while the bank investigates, and in every case we have the power to simply refund you faster than they do.