Refund and Cancellation Policy

TopicDrop purchases are generally final and non-refundable once the purchased digital entitlement, subscription access or Study Credits have been successfully activated or delivered, except where a remedy is required by applicable law or where one of the specific verified exceptions described below applies.

By completing a transaction on TopicDrop, you acknowledge that you are purchasing immediate access to digital learning tools, software entitlements, and AI compute capacity. An ordinary monetary refund is not provided solely because:

• A user changes their mind after completing a purchase;
• A user does not actively utilize the platform during a subscription period;
• A subscription term has already been partially used;
• Unused Study Credits remain in the user's account wallet;
• A user no longer needs educational study tools;
• A specific desired academic exam grade or score is not achieved;
• A user dislikes an otherwise successfully generated and delivered AI output.

Unlike physical merchandise, educational software services, generative AI inference capacity, and digital learning assets are provisioned immediately upon successful payment verification:

• Real-Time Delivery: Account entitlements, tier benefits, and Study Credits are credited instantly to your account wallet upon payment confirmation.
• Irreversible Compute Utilization: Generating complex study aids consumes computational processing power and third-party AI tokens that cannot be returned or restocked.
• Introductory Access: TopicDrop provides free Starter Bonus Credits and Daily Free Learn Turns so learners can experience platform features before purchasing paid plans or top-up credit packs.

Subscribers may cancel recurring subscription plans at any time through available account controls or by contacting support, as applicable:

• Halts Future Renewals: Cancellation immediately stops all future automated recurring billing cycles and renewal charges.
• Access Through Paid Period: The subscriber retains full applicable access to their subscription tier benefits and allocated monthly plan credits through the end of the currently paid billing period.
• No Partial-Period Cash Refunds: Cancellation stops future renewal charges and does not entitle the user to a cash refund for the remainder of the currently active paid billing period. Mandatory consumer rights remain unaffected.
• Monthly Plan Credit Expiry: Unused monthly subscription plan credits follow their applicable plan validity lifecycle and expire at the end of the billing period without rollover.

TopicDrop uses Study Credits to meter computational features. Credit lifecycles depend on the category of credits held:

• Purchased Extra Credits (Non-Expiring): Purchased Extra Credits purchased under these terms do not expire and remain available until used, subject to account status, applicable law and fraud/abuse controls. Any future change to the validity of newly purchased credit packs will apply only to purchases made after the revised terms are disclosed and will not retroactively shorten the validity of credits already purchased under these terms, except where required by applicable law.
• Starter Bonus Credits: Eligible new user accounts receive 50 Starter Bonus Credits with a 45-day validity period from registration.
• Daily Free Learn Turns: Eligible users receive 10 Daily Free Learn Turns per day for standard study tools.
• Subscription Plan Credits: Monthly credits allocated under active subscription tiers follow the validity and lifecycle disclosed for the applicable subscription plan, expiring at the end of each billing cycle without rollover.
• Usage Entitlement Nature: Study Credits are platform usage entitlements rather than cash, have no cash-out value, do not accrue interest and cannot ordinarily be transferred or redeemed for cash. This does not limit the specific billing remedies or mandatory statutory remedies described elsewhere in this Policy.

No Usable Result, No Final Credit Loss: If a technical error, model API timeout, or unhandled server failure prevents the successful delivery of a requested learning artifact, the system's wallet logic protects your balance: credits are either not debited or restored automatically upon detected failure.

If an automatic restoration fails due to an unexpected system state, users can report the issue with the relevant Generation ID to our support desk. Upon verification in system logs, support will restore legitimate credits to your account wallet.

TopicDrop addresses individual generation failures through credit restoration to the account wallet rather than cash refunds.

A monetary refund or other appropriate billing remedy may be available in the following verified circumstances, subject to the facts of the transaction and applicable law:

• Duplicate Charge: The user was billed more than once for the same subscription period or credit package due to a verified payment gateway error, network packet re-transmission, or duplicate checkout processing.
• Incorrect Charge: A billing charge is verified to have differed from the payable amount displayed at checkout for that transaction.
• Undelivered Entitlement: Payment was successfully completed, but the purchased subscription entitlement or Study Credits were not delivered, and TopicDrop is unable to correct or deliver the purchased entitlement within a reasonable operational timeframe after notice.
• Verified Technical Non-Delivery: A critical platform defect completely prevents access to paid features for which the user was charged, and the failure cannot reasonably be corrected.
• Mandatory Statutory Law: Where an applicable non-waivable statutory consumer protection law mandates a monetary refund that cannot lawfully be limited by private contract.

In the event of verified platform disruptions or technical defects, TopicDrop may, at its discretion, restore credits or provide an appropriate administrative remedy.

We encourage users to reach out to our billing support at ighosh.studio@gmail.com to resolve billing questions or unrecognized charges promptly.

A legitimate payment dispute or chargeback inquiry will be investigated in good faith. Where reasonably necessary, an account may be temporarily restricted or suspended while fraud or payment abuse is investigated. Suspension preserves the user's wallet, legitimate credit balance, history, and data unless a separate lawful corrective transaction is required. Fraudulent or abusive conduct may result in account restrictions subject to the Terms and applicable law.

Nothing in this Refund and Cancellation Policy is intended to limit, exclude, or modify any statutory consumer guarantees, warranty rights, or legal remedies that you may be entitled to under the Consumer Protection Act, 2019 of India or other mandatory applicable laws that cannot be lawfully excluded or limited by contract.

Users should contact TopicDrop promptly after identifying a billing or delivery issue so that transaction records can be investigated. Applicable statutory rights and mandatory limitation periods are not reduced by this policy.

To submit an inquiry regarding a billing exception, provide the following details:

• Your registered TopicDrop account email address;
• The Razorpay Payment ID or Order ID;
• The transaction date, time, and currency amount debited;
• A clear description of the duplicate or unentitled charge, including screenshots if available.

Requests may be submitted via email to ighosh.studio@gmail.com or through our Contact Support Portal.

Where a monetary refund is approved or legally required, TopicDrop will initiate it through the applicable payment provider to the original payment method where reasonably practicable. Payment-provider and banking settlement timelines may vary depending on the payment source (credit card, debit card, UPI, or net banking) and the policies of the customer's financial institution.

For billing questions, payment inquiries, or support assistance, please contact: