Our policies

Refund Policy

Last updated: September 30, 2026

If a Zylo Chat subscription payment has gone wrong, here is how to cancel future charges and ask us to review a refund.

1. Scope

This policy applies to subscription and other payments made for Zylo Chat, operated by Gyankaar Technologies Private Limited. Payments are processed through PhonePe or a supported UPI app. It should be read with our Terms & Conditions.

2. Cancelling a subscription

Use the app’s subscription controls to request cancellation of your PhonePe mandate. If setup is still pending, check the subscription status in the app first. If cancellation fails or you cannot access the app, email us at contact@bharataiworks.com. We will help check the mandate status. Cancelling stops future recurring charges once confirmed by the payment provider, but it does not automatically refund a charge already completed.

3. When to request a refund

You can ask us to review a charge if, for example, you believe you were charged twice, paid for a subscription that was not activated, were charged after a confirmed cancellation, or experienced another billing or service issue. We review requests case by case, considering the payment and service records and applicable law. We do not promise an automatic refund for simply choosing to stop a subscription after a valid charge.

4. How to contact us

Email contact@bharataiworks.com from an address where we can reply. Include your registered mobile number, payment date and amount, PhonePe order or transaction reference if available, and a short description of the issue. Please do not send your UPI PIN, OTP, card details, or passwords.

5. Review and payment of approved refunds

We will investigate and may request information needed to verify the payment. If a refund is approved, we will initiate it through the payment provider to the original payment method where possible. The time it takes to appear depends on PhonePe, your bank or UPI provider, and the payment method. We will share the outcome or ask for more information using your contact details.

6. Your legal rights

This policy does not limit any refund or consumer rights you have under applicable law. If you have a concern about a payment, contact us so we can review it promptly.

7. Changes and contact

We may update this policy and will post the latest version here with an updated date. For questions or refund requests:

Email: contact@bharataiworks.com
Address: Gyankaar Technologies Pvt Ltd, 3rd Floor, #1545, 19th Main Rd, 1st Sector, HSR Layout, Bengaluru, Karnataka 560102, India
Phone: +91 8095332013 / 08095332013