Refund and Cancellation Policy

The Short Version

No Refund Policy

Due to the nature of API services - where server resources, AI voice processing, and infrastructure costs are incurred immediately upon use - all payments for SPEECHMA API subscriptions are non-refundable, including:

• Monthly subscription charges that have already been processed
• Partial months (if you cancel mid-cycle, the remaining days are not refunded)
• Months where you did not use your full character or request quota
• Payments made during test mode that were accidentally made in live mode

This policy exists because API access is granted instantly and computing resources are consumed even before your first API call, the moment your subscription activates.

How Cancellation Works

You can cancel your subscription at any time with one click from your dashboard. Here is exactly what happens:

• You click "Cancel Subscription" from your API Dashboard
• Razorpay immediately stops the auto-renewal - you will not be charged again
• Your API key continues working until the end of your current paid billing period
• After the billing period ends, your API key is automatically deactivated
• You can re-subscribe at any time to reactivate

Example: If you are billed on the 1st of the month and you cancel on the 15th, you keep access until the end of that month. No charge on the 1st of the next month.

Exceptions - When We May Issue a Refund

We generally do not issue refunds, but we will review requests on a case-by-case basis in the following situations:

• Duplicate charges: If you were charged twice for the same subscription period due to a technical error
• Service was completely unavailable: If the SPEECHMA API was down for more than 72 consecutive hours in a billing period due to issues on our end (not third-party outages)
• Unauthorized charge: If you can demonstrate the subscription was created without your authorization

To request an exception, email contact@speechma.com within 7 days of the charge with your payment ID and reason. We will respond within 3 business days.

Plan Changes and Upgrades

• You can upgrade or switch plans at any time from your dashboard
• When you switch plans, your new subscription starts and the old one is cancelled
• No credit or refund is given for unused time on the previous plan
• Your new plan's billing cycle starts fresh from the upgrade date

Payment Processing

All payments are processed securely by Razorpay. SPEECHMA never stores your card details. Subscriptions are charged in Indian Rupees (INR) at approximately current USD/INR exchange rates.

If a payment fails (for example due to an expired card), Razorpay will retry the charge. If the payment cannot be collected, your subscription will be halted and API access paused until payment is updated. You will receive an email notification.