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Legal

Subscription, Cancellation and Refund Policy

Effective Date: 1 July 2026Last Updated: 13 July 2026

1. About This Policy

LARA, CARA and EdviseMe are education, learning, assessment, counselling, admissions, career-guidance and artificial-intelligence services operated by Graztech Private Limited and/or Junom Global Private Limited.

This Subscription, Cancellation and Refund Policy explains the terms that apply when you:

  • purchase a subscription;
  • purchase a one-time Service;
  • activate a free or discounted trial;
  • purchase credits, tokens or usage allowances;
  • renew a subscription;
  • cancel a subscription;
  • request a refund; or
  • otherwise make a payment through the Services.

In this Policy:

  • “LARA” means our AI-powered learning, tutoring, revision, assessment, examination-readiness and academic-support services.
  • “CARA” means our AI-powered education, admissions, course, university, career and counselling services.
  • “EdviseMe” means our broader education, admissions, career, counselling and related platform services.
  • “Services” means LARA, CARA, EdviseMe and all associated websites, applications, dashboards, chatbots, messaging services, assessments, reports, subscriptions and related features.
  • “we”, “us” and “our” refer to Graztech Private Limited and/or Junom Global Private Limited as the legal operator of the Services.
  • “you” and “your” refer to the person purchasing, paying for or using a paid Service.
  • “Subscription” means recurring paid access to a Service for a stated billing period.
  • “Billing Period” means the recurring period for which Subscription fees are charged, such as monthly, quarterly or annually.
  • “Paid Service” means any Subscription, one-time purchase, paid report, assessment, package, credit, token, feature or other Service for which payment is required.
  • “Payment Provider” means a bank, payment gateway, card network, app store, wallet provider or other third party that processes a payment.

This Policy applies to purchases made through:

  • withlara.ai and its subdomains;
  • withcara.ai and its subdomains;
  • edviseme.com and its subdomains;
  • LARA, CARA and EdviseMe web and mobile applications;
  • WhatsApp or other messaging channels where payment is enabled;
  • app stores;
  • authorised payment links;
  • institutional or partner purchase flows, unless separate terms apply; and
  • any other Service that links to this Policy.

By completing a purchase, you agree to this Policy and any plan-specific terms displayed before payment.

Nothing in this Policy excludes or limits a consumer right that cannot lawfully be excluded or limited.

2. Eligibility to Purchase

You must have legal capacity and authority to enter into a purchase.

If you are under the age of legal majority in your jurisdiction:

  • a parent or lawful guardian must authorise the purchase;
  • the parent or guardian may be required to complete the payment;
  • the parent or guardian is responsible for charges made with their authorisation; and
  • you must not use another person’s payment method without permission.

By completing a purchase, the payer confirms that:

  • the payment information is accurate;
  • the payer is authorised to use the payment method;
  • the payer authorises the stated charge;
  • the payer has reviewed the price and Billing Period;
  • any recurring-payment terms have been disclosed before payment; and
  • where the User is a minor, the purchase has been properly authorised.

We may request additional verification before or after processing a payment.

We may refuse, suspend or cancel a transaction where we reasonably suspect:

  • fraud;
  • unauthorised payment;
  • identity misuse;
  • chargeback abuse;
  • account compromise;
  • violation of age restrictions;
  • violation of our Terms;
  • sanctions or legal restrictions;
  • technical error; or
  • another material risk.

3. Plans and Paid Services

Paid Services may include:

  • monthly Subscriptions;
  • quarterly Subscriptions;
  • annual Subscriptions;
  • family plans;
  • student plans;
  • parent plans;
  • institutional plans;
  • counselling packages;
  • assessment packages;
  • reports;
  • mock examinations;
  • premium AI features;
  • additional usage;
  • credits or tokens;
  • one-time digital products;
  • add-ons;
  • promotional plans; and
  • other paid functionality.

The features included in a plan may vary based on:

  • product;
  • price;
  • Billing Period;
  • country;
  • age;
  • curriculum;
  • account type;
  • platform;
  • promotional offer;
  • institution;
  • technical availability; and
  • applicable law.

The checkout page, order form or purchase screen will normally identify:

  • the Service or plan;
  • the price;
  • the currency;
  • applicable taxes where known;
  • the Billing Period;
  • whether renewal is automatic;
  • any usage limits;
  • any trial period;
  • the date of the first or next charge;
  • the principal features included; and
  • available cancellation instructions.

You should review this information before completing the purchase.

4. Prices

Prices are displayed in the currency stated during checkout.

Prices may vary based on:

  • country;
  • currency;
  • taxes;
  • plan;
  • platform;
  • promotional offer;
  • Billing Period;
  • User category;
  • institution;
  • payment channel; and
  • applicable commercial terms.

Unless expressly stated otherwise:

  • prices do not include taxes that must be separately collected;
  • bank charges are not included;
  • card charges are not included;
  • currency-conversion charges are not included;
  • mobile or internet charges are not included; and
  • third-party fees are not included.

Your bank, card issuer, wallet, app store or Payment Provider may apply:

  • currency-conversion rates;
  • foreign-transaction fees;
  • processing fees;
  • taxes;
  • recurring-payment rules; or
  • other charges.

We do not control and are not responsible for charges independently imposed by a third party.

5. Taxes

You are responsible for applicable:

  • goods and services tax;
  • value-added tax;
  • sales tax;
  • service tax;
  • withholding tax;
  • duties;
  • levies; and
  • other governmental charges, except for taxes imposed on our net income.

Where required, taxes may be:

  • included in the displayed price;
  • calculated during checkout;
  • added to the price;
  • collected by a Payment Provider or app store; or
  • stated on the invoice.

You are responsible for providing accurate billing and tax information.

Where you are legally required to withhold tax from a payment, you must:

  • notify us before payment where reasonably practicable;
  • provide a valid withholding certificate;
  • comply with applicable law; and
  • pay any additional amount required under an applicable written business agreement.

Consumer purchases remain subject to mandatory local tax rules.

6. Payment Authorisation

By selecting a payment method and completing a purchase, you authorise us and the relevant Payment Provider to:

  • charge the stated amount;
  • collect applicable taxes;
  • process recurring renewal charges where disclosed;
  • verify the payment method;
  • retry an unsuccessful payment;
  • receive payment-status information;
  • conduct fraud screening; and
  • process adjustments, reversals or refunds where applicable.

A payment is not complete until it has been successfully authorised and received.

We may delay activation until payment confirmation is received.

7. Automatic Renewal

Where a Subscription is described as automatically renewing, it will renew at the end of each Billing Period unless cancelled before the applicable renewal charge is processed.

By purchasing an automatically renewing Subscription, you authorise us or the applicable Payment Provider to charge the payment method on file for:

  • the Subscription fee;
  • applicable taxes;
  • any disclosed price adjustment; and
  • any separately authorised add-on.

The Subscription will ordinarily renew for a period equal to the previous Billing Period unless different renewal terms were disclosed at purchase.

For example:

  • a monthly Subscription ordinarily renews monthly;
  • a quarterly Subscription ordinarily renews quarterly; and
  • an annual Subscription ordinarily renews annually.

The renewal date may vary slightly due to:

  • weekends;
  • holidays;
  • payment processing;
  • app-store rules;
  • changes to the payment date;
  • time-zone differences; or
  • previous failed payments.

8. Renewal Disclosures and Reminders

Before purchase, we will display the material renewal terms as required by applicable law.

Where required, we may provide a renewal reminder before:

  • an annual renewal;
  • the end of a free or discounted trial;
  • a material price increase; or
  • another recurring charge.

A reminder may be provided through:

  • email;
  • in-app notification;
  • SMS;
  • WhatsApp;
  • app-store notification;
  • account dashboard; or
  • another contact method associated with your account.

You are responsible for maintaining accurate contact information.

Failure to open or read a reminder does not by itself invalidate a properly disclosed renewal, except where applicable law provides otherwise.

9. Free and Discounted Trials

We may offer:

  • free trials;
  • discounted trials;
  • introductory prices;
  • promotional access;
  • limited-time plans; or
  • other trial arrangements.

Trial eligibility may be limited based on:

  • account;
  • User;
  • household;
  • device;
  • payment method;
  • institution;
  • country;
  • previous participation;
  • promotional code; or
  • another stated criterion.

Unless otherwise stated:

  • a trial may be used only once per eligible User;
  • duplicate accounts do not create additional eligibility;
  • a payment method may be required;
  • the trial may automatically convert into a paid Subscription;
  • the first paid charge may occur immediately after the trial ends;
  • the Subscription may then renew automatically; and
  • unused trial time has no cash value.

Before trial enrolment, we will disclose:

  • the trial duration;
  • any trial price;
  • the paid price following the trial;
  • the applicable Billing Period;
  • whether automatic renewal applies; and
  • how to cancel.

To avoid the first paid charge, you must cancel before the trial expires and before the Payment Provider processes the charge.

We may terminate or restrict a trial where we reasonably identify:

  • duplicate enrolment;
  • fraud;
  • account abuse;
  • eligibility circumvention;
  • unauthorised access; or
  • violation of our policies.

10. Promotional Offers and Discount Codes

Promotions may be subject to:

  • eligibility requirements;
  • start and end dates;
  • redemption limits;
  • territorial limits;
  • plan restrictions;
  • User restrictions;
  • payment-method restrictions;
  • minimum purchase requirements;
  • expiry dates; and
  • additional terms.

Unless expressly stated otherwise:

  • promotions cannot be combined;
  • promotions cannot be exchanged for cash;
  • promotions cannot be transferred;
  • expired promotions will not be reinstated;
  • discounts apply only for the stated period;
  • the standard price may apply after the promotional period;
  • a promotion may be withdrawn before redemption; and
  • promotional value is not refundable.

We may refuse or reverse a promotional benefit obtained through:

  • fraud;
  • misrepresentation;
  • duplicate accounts;
  • code sharing contrary to the offer;
  • automated redemption;
  • technical exploitation; or
  • another violation of the applicable terms.

11. Credits, Tokens and Usage Allowances

Some Services may use:

  • credits;
  • tokens;
  • points;
  • message allowances;
  • report allowances;
  • assessment allowances;
  • storage allowances;
  • usage units; or
  • another metered entitlement.

Unless expressly stated otherwise, these entitlements:

  • are contractual rights to use specified features;
  • are not money;
  • have no cash value;
  • cannot be redeemed for cash;
  • cannot be transferred;
  • cannot be resold;
  • cannot be exchanged;
  • may expire;
  • may be limited to a specific account or Service;
  • may be consumed at different rates by different features;
  • may not roll over between Billing Periods; and
  • are non-refundable once issued or used.

We may determine how usage is calculated, including by reference to:

  • messages;
  • model usage;
  • processing volume;
  • document length;
  • audio duration;
  • reports;
  • assessments;
  • storage;
  • features;
  • computing cost; or
  • another disclosed measurement.

Usage estimates shown before an action may differ from the final usage recorded where processing requirements vary.

We may correct manifest usage-calculation errors.

12. Usage Limits and Fair Use

Paid Services may be subject to limits relating to:

  • messages;
  • AI usage;
  • tokens;
  • requests;
  • reports;
  • assessments;
  • files;
  • file sizes;
  • storage;
  • devices;
  • accounts;
  • Users;
  • API usage;
  • processing speed;
  • concurrent sessions; or
  • other resources.

A plan described as “unlimited” may remain subject to reasonable:

  • fair-use restrictions;
  • anti-abuse controls;
  • technical limits;
  • rate limits;
  • account-sharing restrictions;
  • security restrictions; and
  • restrictions necessary to protect other Users or the Services.

We may temporarily slow, limit or restrict usage where reasonably necessary to:

  • prevent abuse;
  • protect availability;
  • address security risk;
  • enforce plan limits;
  • manage unusually high demand;
  • comply with law; or
  • protect other Users.

Such reasonable controls do not ordinarily entitle a User to a refund.

13. One-Time Purchases

A one-time Paid Service may include:

  • an individual assessment;
  • a report;
  • a mock examination;
  • an application service;
  • a counselling session;
  • a document service;
  • a package;
  • a downloadable item;
  • a digital product; or
  • another non-recurring purchase.

A one-time purchase does not automatically renew unless the purchase screen expressly states otherwise.

A one-time purchase may be treated as delivered when:

  • access is granted;
  • the report is generated;
  • processing begins at your request;
  • a digital item is made available;
  • a session is booked or provided;
  • a document is processed;
  • credits are added; or
  • another stated delivery event occurs.

14. Cancellation of a Subscription

You may cancel an automatically renewing Subscription at any time using the cancellation method made available for the relevant purchase.

Depending on where the Subscription was purchased, cancellation may be available through:

  • account settings;
  • the billing or Subscription page;
  • the relevant app store;
  • the Payment Provider;
  • a cancellation link;
  • an electronic withdrawal or cancellation function;
  • support@edviseme.com; or
  • another method stated during purchase.

Where you request cancellation by email, use the subject line:

Subscription Cancellation Include:

  • the account holder’s name;
  • the registered email address or telephone number;
  • the relevant Service;
  • the Subscription or plan;
  • the transaction or order information, if available; and
  • sufficient information to verify the account.

For security, we may require account or payment verification before processing a cancellation request.

15. When Cancellation Takes Effect

Unless applicable law or a specific offer states otherwise:

  • cancellation stops future automatic renewals;
  • cancellation is not retroactive;
  • cancellation does not reverse a completed charge;
  • cancellation does not ordinarily end the current paid Billing Period;
  • access continues until the end of the current paid Billing Period;
  • no pro-rata refund is provided for the remaining period;
  • unused credits or allowances may expire at the end of the paid period; and
  • the account may be downgraded or restricted after the paid period ends.

You should cancel before the renewal date to avoid the next renewal charge.

A charge may already be in processing shortly before the displayed renewal time. Cancelling after a charge has been initiated may not stop that charge.

Where applicable law requires a different outcome, we will comply with that law.

16. Actions That Do Not Cancel a Subscription

The following actions do not by themselves cancel a Subscription:

  • deleting an application;
  • uninstalling an application;
  • logging out;
  • ceasing to use the Services;
  • deleting cookies;
  • removing a payment card;
  • allowing a card to expire;
  • blocking a payment;
  • cancelling a linked messaging account;
  • cancelling an institution account;
  • deleting a LARA, CARA or EdviseMe account without cancelling the Subscription;
  • asking a bank to stop payment; or
  • abandoning the account.

You must use the applicable cancellation method.

Where account deletion and Subscription cancellation are presented as separate actions, both may need to be completed.

17. App-Store Purchases

Subscriptions purchased through an app store, including the Apple App Store or Google Play, are generally:

  • billed by the app store;
  • renewed by the app store;
  • cancelled through the app-store account;
  • subject to the app store’s payment terms; and
  • subject to the app store’s refund process.

We may not be able to:

  • cancel an app-store Subscription on your behalf;
  • change the app-store billing date;
  • issue a direct refund for an app-store payment;
  • access complete payment information; or
  • override an app-store decision.

Deleting the application does not cancel an app-store Subscription.

You must manage the Subscription through the relevant app-store settings unless another method is expressly provided.

18. Institutional and Third-Party Purchases

Where access is purchased by:

  • a school;
  • a university;
  • an employer;
  • a counsellor;
  • a parent;
  • a partner;
  • a distributor;
  • a government body; or
  • another organisation, the applicable:
  • order form;
  • invoice;
  • enterprise agreement;
  • institutional agreement;
  • partner terms; or
  • procurement conditions may govern billing, cancellation and refunds.

An individual User may not be entitled to a refund for access paid for by another person or organisation.

Where a third party controls the Subscription, you may need to contact that party regarding:

  • cancellation;
  • billing;
  • account access;
  • plan changes; or
  • refunds.

19. Refund Policy

Except where required by applicable law or expressly stated in a written offer, all fees, Subscription charges, renewal charges, one-time purchase amounts, credits, tokens, assessments, reports, packages and other payments are final and non-refundable.

We do not ordinarily provide refunds or credits for:

  • change of mind;
  • accidental purchase;
  • failure to use the Service;
  • infrequent use;
  • partial use;
  • unused Subscription time;
  • unused credits, tokens or allowances;
  • failure to cancel before renewal;
  • forgetting a renewal date;
  • failure to read a reminder;
  • deleting or abandoning an account;
  • dissatisfaction with an AI response;
  • disagreement with an automated score;
  • failure to achieve a desired grade;
  • failure to obtain admission;
  • failure to obtain a scholarship;
  • failure to obtain a visa;
  • failure to obtain employment;
  • failure to receive a desired recommendation;
  • incompatibility with a personal preference;
  • changes to a User’s circumstances;
  • loss of internet access;
  • device incompatibility not caused by us;
  • unauthorised use resulting from the User’s failure to secure their account;
  • removal or restriction of content;
  • refusal by an AI safety system;
  • suspension or termination for violation of our Terms or policies;
  • failure to meet eligibility requirements;
  • expiry of a promotion;
  • expiry of credits or tokens;
  • currency-conversion charges;
  • bank fees;
  • taxes;
  • third-party charges; or
  • another reason not recognised as a mandatory refund ground by applicable law.

20. Mandatory Consumer Rights

Nothing in this Policy excludes, restricts or replaces any mandatory right to:

  • cancel;
  • withdraw;
  • receive a refund;
  • obtain a repair or correction;
  • receive replacement performance;
  • receive a price reduction;
  • challenge an unauthorised charge; or
  • obtain another statutory remedy where that right cannot lawfully be excluded.

Where a Paid Service is:

  • materially not supplied;
  • materially different from its description;
  • defective;
  • inaccessible due to a failure for which we are legally responsible;
  • charged without valid authorisation; or
  • otherwise subject to a mandatory legal remedy, we will provide the remedy required by applicable law.

A minor inconvenience, temporary interruption, AI disagreement or failure to obtain a desired personal outcome does not necessarily make a Service defective.

21. Statutory Withdrawal or Cooling-Off Rights

Some jurisdictions provide a consumer with a statutory period in which to withdraw from an online purchase.

Where such a right applies:

  • the period and conditions are determined by applicable law;
  • you may be required to notify us before the statutory period expires;
  • the right may differ between a Subscription, digital service, digital content and fully performed service;
  • immediate performance may affect the right;
  • use or consumption of the Service may affect the available refund;
  • a proportionate amount may be payable for Services supplied before withdrawal; and
  • the right may be lost for particular digital content after valid express consent and acknowledgement, where permitted by law.

Where required, we may ask you during checkout to confirm:

  • that you request immediate access or immediate performance;
  • that supply should begin before the statutory withdrawal period expires;
  • that you understand you may be required to pay for the portion supplied; and
  • that you acknowledge any lawful loss of a withdrawal right once digital content has been supplied.

Where applicable law requires an online withdrawal function, it may be made available through:

  • the website;
  • the purchase page;
  • account settings;
  • a cancellation or withdrawal link; or
  • another clearly identified electronic method.

22. Requesting a Statutory Withdrawal

Where you believe a statutory withdrawal right applies, you may submit the request through:

  • the withdrawal function made available on the website;
  • the relevant account settings;
  • the applicable app store;
  • the relevant Payment Provider; or
  • support@edviseme.com.

Use the subject line:

Statutory Withdrawal Request Include:

  • your full name;
  • account email address or telephone number;
  • the relevant Service;
  • the purchase date;
  • the order or transaction identifier;
  • the Paid Service purchased; and
  • a clear statement that you wish to withdraw from the purchase.

We may request information necessary to:

  • locate the transaction;
  • verify the purchaser;
  • determine the applicable law;
  • determine whether immediate performance began;
  • determine how much of the Service was supplied; and
  • prevent fraud.

23. Refund Requests

A refund request may be submitted to:

support@edviseme.com Use the subject line:

Refund Request Include:

  • the payer’s full name;
  • registered email address or telephone number;
  • the relevant Service;
  • the transaction date;
  • the transaction or order identifier;
  • the amount and currency;
  • the reason for the request;
  • supporting evidence; and
  • any applicable statutory basis.

You should report an apparent billing error promptly and, where reasonably possible, within 30 days after the charge appears.

This 30-day request period does not shorten a mandatory legal period that cannot lawfully be shortened.

Submission of a request does not guarantee a refund.

24. Refund Review

When reviewing a refund request, we may consider:

  • the reason for the request;
  • applicable law;
  • the place of residence;
  • the purchase channel;
  • the purchase date;
  • the Service purchased;
  • whether access was provided;
  • whether the Service was used;
  • the extent of usage;
  • whether digital content was supplied;
  • whether immediate performance was requested;
  • whether the charge was authorised;
  • whether the Service was materially defective;
  • whether the account violated our policies;
  • whether the request appears fraudulent or abusive;
  • whether a third-party refund process applies; and
  • any other relevant circumstances.

We may request additional information.

Failure to provide sufficient information may prevent us from completing the review.

25. Discretionary Refunds and Credits

We may, at our sole discretion, provide:

  • a refund;
  • partial refund;
  • account credit;
  • Service extension;
  • replacement report;
  • replacement session;
  • additional credits;
  • plan adjustment; or
  • another goodwill remedy.

A discretionary remedy:

  • is not an admission of liability;
  • does not create a continuing obligation;
  • does not establish a precedent;
  • may be subject to conditions;
  • may expire;
  • may be limited to a specific account; and
  • may be withdrawn if obtained through fraud or misrepresentation.

26. Refund Method and Timing

Where a refund is approved, it will ordinarily be issued:

  • to the original payment method;
  • through the relevant app store;
  • through the relevant Payment Provider; or
  • through another legally permitted method.

We may not be able to issue a refund to:

  • a different person;
  • a different card;
  • an unrelated bank account;
  • cash;
  • an unsupported payment method; or
  • an account that cannot be verified.

The time required for a refund to appear depends on:

  • the Payment Provider;
  • the bank;
  • the card network;
  • the currency;
  • weekends;
  • holidays;
  • regulatory checks; and
  • the User’s location.

We are not responsible for processing delays caused by a bank, card issuer, app store or other Payment Provider after we have properly initiated the refund.

27. Partial and Pro-Rata Refunds

Unless required by law or expressly approved by us:

  • monthly fees are not refunded on a pro-rata basis;
  • annual fees are not refunded on a pro-rata basis;
  • cancellation does not create a credit for unused days;
  • unused credits are not converted into money;
  • partial use does not create a partial refund;
  • changing plans does not create a cash entitlement; and
  • suspension for a policy violation does not create a refund entitlement.

Where a mandatory legal right requires a proportionate refund, we will calculate it according to applicable law.

28. Service Interruptions

The Services may occasionally be unavailable because of:

  • maintenance;
  • updates;
  • security incidents;
  • internet failure;
  • cloud-provider failure;
  • AI-provider failure;
  • third-party integration failure;
  • payment-provider failure;
  • unusually high demand;
  • device or browser problems;
  • events outside our reasonable control; or
  • another operational issue.

Temporary or partial interruption does not ordinarily entitle a User to a refund.

Where we determine that a material interruption substantially prevented access to a Paid Service, we may provide, at our discretion:

  • an extension;
  • account credit;
  • replacement access;
  • another reasonable remedy; or
  • a refund where required by law.

29. Changes to Services and Features

We may:

  • improve features;
  • replace features;
  • modify interfaces;
  • change AI models;
  • alter usage limits;
  • discontinue outdated functions;
  • add new functionality;
  • change integrations;
  • alter content; or
  • restructure plans.

Such changes do not automatically entitle a User to a refund.

Where a change materially reduces a paid Service during an existing paid period, we may:

  • preserve the feature until the end of the period;
  • provide a replacement;
  • provide equivalent value;
  • provide account credit;
  • allow cancellation; or
  • provide another remedy required by law.

30. Plan Upgrades and Downgrades

Where supported, you may change your plan through account settings or the relevant purchase channel.

30.1 Upgrades

An upgrade may:

  • take effect immediately;
  • require immediate payment;
  • receive a credit for unused value from the previous plan;
  • restart the Billing Period; or
  • take effect at the next renewal.

The applicable treatment will be displayed during the upgrade process.

30.2 Downgrades

A downgrade may:

  • take effect at the next renewal;
  • reduce usage limits;
  • remove premium features;
  • reduce storage;
  • remove access to particular reports;
  • affect unused allowances; or
  • require deletion or export of excess data.

Unless stated otherwise, downgrading does not produce a refund for the current Billing Period.

31. Price Changes

We may change:

  • Subscription prices;
  • renewal prices;
  • plan structures;
  • usage rates;
  • credit prices;
  • taxes;
  • included features; and
  • promotional terms.

A price change for an existing automatically renewing Subscription will ordinarily apply from a future renewal.

Where required, we will provide advance notice.

You may cancel before the new price takes effect.

Continued renewal after the effective date of the new price constitutes acceptance of the new price, subject to applicable law.

Price changes do not ordinarily entitle you to a refund for an already completed Billing Period.

32. Failed Payments

If a payment fails, is declined, expires, is reversed or cannot be processed, we may:

  • retry the payment;
  • request an alternative payment method;
  • notify the payer;
  • suspend paid features;
  • reduce usage limits;
  • downgrade the account;
  • terminate the Subscription;
  • prevent additional purchases;
  • preserve amounts lawfully due; or
  • take another reasonable action.

We may provide a discretionary grace period, but we are not required to do so.

A grace period does not waive our right to collect the unpaid amount.

You remain responsible for charges properly incurred before suspension or termination.

33. Payment Retries

For a recurring Subscription, the Payment Provider may retry a failed payment according to:

  • its own rules;
  • the payment mandate;
  • card-network rules;
  • banking rules; or
  • our billing configuration.

Retries may occur on different days.

You authorise reasonable retries of an authorised recurring payment until:

  • the payment succeeds;
  • the Subscription is cancelled;
  • the payment mandate expires;
  • the retry period ends; or
  • the Payment Provider stops retrying.

34. Chargebacks and Payment Disputes

Before initiating a chargeback or payment dispute, you should contact us so that we have a reasonable opportunity to investigate and resolve the issue.

You must not initiate a chargeback:

  • fraudulently;
  • after receiving and using a properly supplied Service merely to avoid payment;
  • after authorising the charge;
  • while falsely claiming the transaction was unauthorised;
  • to obtain both the Service and the payment amount; or
  • as a substitute for properly cancelling a Subscription.

Where a chargeback or payment dispute is initiated, we may:

  • suspend access;
  • preserve records;
  • provide transaction and usage information to the Payment Provider;
  • contest the chargeback;
  • reverse credits or benefits;
  • recover amounts lawfully due;
  • restrict future payment methods;
  • require additional verification; or
  • terminate an account for fraudulent abuse.

Nothing in this section prevents you from exercising a legitimate legal right to dispute an unauthorised or improper charge.

35. Duplicate Charges and Billing Errors

If you believe you were charged more than once or charged an incorrect amount, contact:

support@edviseme.com Use the subject line:

Billing Error Include:

  • the payer’s name;
  • the registered account;
  • the transaction date;
  • transaction identifiers;
  • amount and currency;
  • payment method type; and
  • supporting evidence.

Where we confirm a duplicate or erroneous charge caused by us, we will:

  • reverse it;
  • refund it;
  • credit it; or
  • provide another legally appropriate correction.

36. Account Suspension or Termination

We may suspend or terminate an account or Paid Service where:

  • payment remains unpaid;
  • payment is reversed;
  • fraud is suspected;
  • a chargeback is abused;
  • the account violates our Terms;
  • the account violates the Acceptable Use Policy;
  • required parental authorisation is absent;
  • the account creates security risk;
  • continued access is unlawful;
  • the Service is discontinued; or
  • another contractual termination ground applies.

Suspension or termination caused by a User’s violation does not ordinarily create a refund entitlement.

Where we terminate a Paid Service for reasons unrelated to User misconduct and do not provide substantially equivalent access for the remaining paid period, we may provide:

  • a proportionate refund;
  • account credit;
  • replacement access; or
  • another remedy required by law.

37. Account Deletion

Deleting an account may permanently remove or restrict access to:

  • reports;
  • learning history;
  • counselling history;
  • files;
  • chats;
  • progress;
  • credits;
  • entitlements;
  • purchased content; and
  • Subscription benefits.

You should download any information you wish to retain before deleting the account.

Account deletion does not necessarily:

  • cancel a Subscription;
  • produce a refund;
  • reverse a purchase;
  • remove payment obligations;
  • delete app-store billing; or
  • remove records we are legally required to retain.

38. Expiry of Access

When a paid period ends, we may:

  • downgrade the account;
  • remove premium features;
  • restrict reports;
  • restrict AI usage;
  • restrict storage;
  • remove access to paid content;
  • remove unused credits;
  • disable add-ons; or
  • apply the limits of a free plan.

Some data may remain stored and accessible under the free plan.

Other data may become inaccessible or may be deleted according to our Privacy Policy and applicable plan terms.

39. No Transfer or Resale

Paid Services, Subscriptions, credits and entitlements are personal to the authorised account or purchasing organisation.

Unless expressly permitted, they may not be:

  • transferred;
  • resold;
  • rented;
  • sublicensed;
  • exchanged;
  • shared outside the permitted plan;
  • used to operate a commercial service bureau;
  • assigned to another account; or
  • converted into cash.

We may invalidate entitlements obtained or transferred contrary to this Policy.

40. Currency Conversion

Where a purchase is displayed or processed in a currency different from the payment method’s currency:

  • the Payment Provider may determine the exchange rate;
  • the exchange rate may change;
  • additional conversion fees may apply;
  • the final local-currency amount may differ; and
  • a refund may differ in local-currency value because of exchange-rate movement.

We are not responsible for:

  • foreign-exchange fluctuations;
  • conversion spreads;
  • bank conversion fees; or
  • differences between the purchase and refund exchange rates.

41. Invoices and Receipts

We may provide:

  • an electronic receipt;
  • a tax invoice;
  • an app-store receipt;
  • a payment confirmation;
  • a Subscription confirmation; or
  • another transaction record.

You are responsible for ensuring that billing details are correct before or promptly after purchase.

We may be unable to amend an invoice after issuance where:

  • tax rules prohibit it;
  • the reporting period has closed;
  • the requested information is inaccurate;
  • the request concerns a different legal purchaser; or
  • the change would create a false record.

42. Changes to This Policy

We may update this Policy to reflect:

  • changes to our plans;
  • new Paid Services;
  • changes to payment systems;
  • changes to app-store rules;
  • changes in consumer law;
  • changes to refund processes;
  • changes to automatic-renewal requirements;
  • security developments; or
  • clarification of existing practices.

The updated Policy will display a revised “Last Updated” date.

Where required by law, we will provide notice of a material change.

A change will not remove a mandatory consumer right.

The terms displayed and accepted at the time of purchase may continue to govern that purchase where required by law.

43. Complaints and Grievances

Billing, cancellation or refund complaints may be submitted to:

Email: support@edviseme.com Subject: Subscription Grievance Please include:

  • your full name;
  • registered account information;
  • the relevant Service;
  • the transaction details;
  • a description of the issue;
  • the outcome requested; and
  • supporting evidence.

We may request additional information to:

  • verify the account;
  • locate the transaction;
  • investigate the complaint;
  • prevent fraud; and
  • protect another person’s rights.

We will respond within the period required by applicable law.

Where you remain dissatisfied, you may have the right to approach an applicable consumer forum, payment provider, regulator or other competent authority.

44. Grievance Officer

Name: Rachael Kharshong Designation: Grievance Officer Address: Pentagon, Amrutha Valley, Hyderabad – 500034, Telangana, India Email: support@edviseme.com Use the subject line:

Subscription Grievance

45. Contact Us

Questions concerning Subscriptions, billing, cancellation or refunds may be sent to:

LARA, CARA and EdviseMe Operated by Graztech Private Limited and/or Junom Global Private Limited Pentagon, Amrutha Valley Hyderabad – 500034 Telangana, India Email: support@edviseme.com Relevant subject lines include:

  • Subscription Question
  • Subscription Cancellation
  • Refund Request
  • Statutory Withdrawal Request
  • Billing Error
  • Payment Dispute
  • Subscription Grievance

46. Related Policies

This Policy should be read together with:

  • the Terms of Service at https://edviseme.com/legal/terms;
  • the Privacy Policy at https://edviseme.com/legal/privacy;
  • the Cookie and Tracking Technologies Policy at https://edviseme.com/legal/cookies;
  • the Acceptable Use Policy at https://edviseme.com/legal/acceptable-use; and
  • the Children and Young Users Privacy Notice at https://edviseme.com/legal/children.

Where there is a conflict:

  • applicable law will prevail;
  • purchase-specific terms displayed and accepted during checkout will govern the relevant purchase;
  • app-store terms will govern payment administration performed by that app store;
  • a signed institutional or enterprise agreement will govern the relevant institutional purchase;
  • the Terms of Service will govern the broader contractual relationship; and
  • this Policy will otherwise govern Subscriptions, cancellations, billing and refunds.