Refund Policy

1. Scope

This Refund Policy applies to all payments made for products and services operated by Thinqzo Tech Private Limited ("Thinqzo," "we," "us," or "our"), including CredoStar (credostar.com) subscription plans, credential credits, and related services (collectively, the "Services"). By purchasing any Service, you agree to this policy in addition to our Terms of Service.

2. General Policy

All fees paid to Thinqzo are non-refundable, except where expressly stated in this policy or where a refund is required under applicable law. We encourage you to evaluate the Services using any available free tiers, trials, or demos before making a purchase.

3. Subscription Plans

• Subscription fees are charged in advance and are non-refundable once the billing period begins
• No refunds or credits are provided for partial billing periods, unused time, or periods during which the account was inactive
• Cancelling a subscription stops future billing only; fees already paid are not refunded, and access continues until the end of the paid period
• Downgrading a plan does not entitle you to a refund of the difference in fees

4. Credits and One-Time Purchases

• Purchased credits (including CredoStar credential credits) are non-refundable and non-transferable
• Unused credits are not redeemable for cash and expire in accordance with the plan under which they were purchased
• Credits consumed by delivered Services are not refundable, including where the output is later revoked, reissued, or modified at your request

5. Exceptions

A refund may be issued, at our sole discretion, only in the following cases:

• Duplicate payment: you were charged more than once for the same order due to a payment processing error
• Failed transaction: you were charged but the corresponding Service was never activated or delivered, and the issue cannot be resolved by activating it

Refund requests under these exceptions must be submitted within 7 days of the charge, together with proof of payment. Requests made after this window will not be considered. Approved refunds are processed to the original payment method within 7–14 business days.

6. Service Issues

In the event of a verified outage or defect attributable solely to Thinqzo, our liability is limited, at our discretion, to re-performing the affected Service or issuing an equivalent service credit. Service issues do not give rise to cash refunds.

7. Chargebacks

Please contact us before initiating a chargeback or payment dispute. Initiating a chargeback for a valid charge may result in suspension or termination of your account and any associated Services, and we reserve the right to contest any chargeback with the relevant payment provider.

8. Changes to This Policy

We may update this Refund Policy at any time. The version in effect at the time of your purchase applies to that purchase. Continued use of the Services after an update constitutes acceptance of the revised policy.

9. Governing Law and Jurisdiction

This policy shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to this policy shall be subject to the exclusive jurisdiction of the courts in Chennai, Tamil Nadu, India.

10. Contact

For refund requests or questions about this policy, contact us at: