Refund & Cancellation Policy

Protocol // Preamble

This Refund & Cancellation Policy applies to all purchases made on askllm.io (the Service), operated by Hublo Technologies (trading as HUBLO.AI). Payments are processed by Razorpay Software Pvt. Ltd. All charges are denominated in United States Dollars (USD). This policy is disclosed before payment is confirmed and is binding on acceptance at checkout.

Protocol // §01

Provisioning & instant digital access

AskLLM is a fully digital service. No physical goods are shipped. Upon successful payment confirmation, access to the purchased report or plan is granted immediately. There is no delivery waiting period. Access is available online only at askllm.io.

Access may be revoked on non-payment, expiry of a paid period, or material violation of our Terms of Service.

Protocol // §02

Cooling-off period, cancellation & Audit Credits

2-calendar-day refund (subscriptions and plan fees): For paid plans billed through Razorpay, you may cancel and request a 100% refund within 2 calendar days from the date Razorpay records successful payment capture for that charge (as shown on your receipt or bank statement), subject to fraud checks and the Terms of Service. After day 2, no refund is offered for that charge.

Audit Credits: Your plan includes a wallet of Audit Credits (one credit per billable audit run). Credits are topped up on successful subscription capture or renewal, promotional grants, and eligible top-ups. On each renewal, up to 5 unused credits may roll into the new period; any balance above that cap expires with no compensation. While your subscription is active, you will not accumulate more than your plan allowance plus those 5 rollover credits after a renewal grant. Unused credits do not roll into a later month while your subscription is cancelled or lapsed.

Voluntary cancellation: You may cancel so that no further renewals are charged (where self-service cancellation is available). You keep access through the end of the paid period you already paid for. After that period ends, you may spend remaining Audit Credits for up to 3 calendar days or until your balance reaches zero — whichever comes first. Resubscribe and plan changes are disabled during that spend window. Any credits still unused at the end of that window are forfeited with no compensation. Purchase a new plan after the window ends for a fresh Audit Credit allowance. Completed audits remain visible on this email.

Failed renewal: If payment fails and your subscription lapses, the same 3 calendar day spend window applies after the period end to use remaining Audit Credits before forfeit.

Delivered audit reports: Once an audit report is generated and delivered — displayed on-screen or sent by email — that deliverable is treated as consumed. Refund eligibility does not erase completed analysis you have already received. Technical-failure and duplicate-charge rules in Section 3 remain available.

Protocol // §03

Qualifying reversal events

A full refund will be issued in the following circumstances (in addition to the 2-day return in Section 2 where it applies):

• Technical failure: payment was charged but the audit report was not generated or delivered due to a system error on our end
• Duplicate charge: you were charged more than once for the same transaction or report due to a processing error
• Gateway error: payment was debited by Razorpay but a gateway error prevented service access from being granted

Refunds in all eligible cases are returned to the original payment method used at purchase.

Protocol // §04

Settlement timelines

Approved refunds are processed within 5–7 business days from the date of approval and credited to the original payment method (card, UPI, net banking, or wallet) used at checkout.

Your bank or card issuer may take additional time to reflect the credit in your account. We are not responsible for delays caused by your financial institution after we have initiated the refund.

Protocol // §05

Currency, tax & credit notes

All charges are processed in United States Dollars (USD). If your payment card is issued in a foreign currency, conversion is performed by your card-issuing bank at their prevailing exchange rate. We bear no liability for exchange rate differences between the time of charge and the time of refund.

Refunds are returned in USD — the exact USD amount originally charged. We do not compensate for foreign exchange fluctuations.

Where applicable tax was charged on the original transaction, the tax component is also refunded. A credit note will be issued in compliance with applicable tax rules.

Protocol // §06

Filing windows & record verification

15-day return and pro-rata (Section 2): Requests must be received within the 15 calendar days described there (from payment capture), or within a reasonable period for post–day-15 pro-rata where we have offered or confirmed one in writing.

Technical failure, duplicate charge, or gateway error (Section 3): Please email us within 30 calendar days of the transaction date, or within 30 days of the date you discovered (or reasonably should have discovered) the error. Older claims may be declined where we cannot verify records with Razorpay.

Protocol // §07

Reversal request procedure

To raise a refund request, email grievance [at] askllm.io with the subject line Refund Request and include:

• Your registered email address
• Razorpay Payment ID or transaction reference
• Date of the transaction
• Reason for the refund request

We will acknowledge your request within 48 hours and resolve it within 30 days, in accordance with Consumer Protection (E-Commerce) Rules 2020.

Protocol // §08

Subscription cancellation protocol

For one-time audit purchases, you may still use the 15-day return in Section 2 where it applies to the qualifying charge; after that window, cancellation does not undo a completed payment except under Section 3 or applicable law.

For subscription plans (where offered): you may cancel at any time through your account settings or by contacting us. Cancellation stops future renewals as described at checkout. Where Section 2 applies, you may instead request a refund inside the 15-day window. After day 15, access generally continues until the end of the current paid period unless we agree otherwise or issue a pro-rata refund. No cancellation fees apply beyond what we ourselves incur.

Protocol // §09

Chargeback & dispute escalation

We encourage you to contact us at grievance [at] askllm.io before initiating a chargeback with your bank. Most billing errors can be resolved faster through our internal process.

Razorpay's standard chargeback window applies (typically up to 120 days for international cards per card-network rules). Initiating an unwarranted chargeback may result in temporary account suspension pending resolution.

Protocol // §10

Billing correspondence routing

For all refund and billing queries:
Hublo Technologies (trading as HUBLO.AI)
Email: grievance [at] askllm.io
Website: https://askllm.io

For physical address and support phone, see our Contact page.