CANCELLATION & REFUNDS POLICY

Steal Prompt (operated by Vibhaga Group)

Effective Date: December 1, 2025
Last Updated: December 1, 2025

1. INTRODUCTION

This Cancellation & Refunds Policy (“Policy“) outlines the terms and conditions for canceling your account, requesting refunds, and managing your subscription with Steal Prompt (http://https://stealprompt.com).

Please read this Policy carefully along with our Terms of Service and Privacy Policy.

If you have questions, contact us at:

• Email: info@vibhaga.com
• Email: refunds@https://stealprompt.com
• Phone: +91 9700704595

2. REFUND ELIGIBILITY & TERMS

2.1 General Refund Policy

We offer a 7-day money-back guarantee for all paid credit purchases and subscriptions.

Refund Eligibility:

• Refund request must be submitted within 7 days of purchase
• Refund available for any reason (no questions asked)
• Available for all paid plans (Basic, Standard, Professional, Enterprise)
• NOT available for free tier (Starter plan)

2.2 Credit Usage Restriction

Refund is NOT available if:

• You have used more than 20% of the credits in the package you purchased
• Example: If you purchased 100 credits, and used more than 20 credits, refund is not eligible

How we calculate credit usage:

• Credits used = Credits deducted from your account for accessing prompts
• Unused credits = Credits remaining in your account
• If unused credits are less than 80% of original package, refund is not eligible

2.3 Free Tier (Starter Plan)

Refund Policy for Free Users:

• The free tier (Starter plan) is completely free
• No refunds applicable (as there is no purchase)
• You can use the free tier indefinitely at no cost
• Cancellation of free account does not trigger any refund

2.4 Accidental Upgrades

If you accidentally upgraded to a paid plan:

• We will review your usage
• If you have NOT used more than 20% of credits, refund is eligible
• If you have used more than 20% of credits, refund is not eligible
• Submit refund request within 7 days of the accidental upgrade

3. PROMOTIONAL & DISCOUNTED PURCHASES

3.1 Launch Offer Purchases

For purchases made during promotional periods (e.g., launch specials):

• 7-day money-back guarantee applies
• Refund amount = actual amount you paid (discounted price)
• Processing fees may apply (see Section 3.3)

Example:

• Launch offer: 100 credits for $4.99 (regular price $8.99)
• You paid: $4.99
• Refund amount: $4.99 (not $8.99)

3.2 Coupon & Discount Code Credits

Credits obtained through coupons or discount codes:

• NOT refundable under any circumstances
• Only credits purchased with money are refundable
• If your package includes both purchased credits and coupon credits, only the purchased portion is refundable

3.3 Processing Fees

Refunds are subject to payment gateway and bank processing fees:

• Payment gateway fees: 2-3%
• Bank fees: 0-2% (varies by bank)
• These fees are deducted from your refund amount
• We are not responsible for these fees; they are imposed by payment processors and banks

Example:

• You paid: $100
• Refund requested: $100
• Processing fee (2.5%): -$2.50
• You receive: $97.50

4. RECURRING SUBSCRIPTIONS (FUTURE FEATURE)

4.1 Recurring Subscription Refund Policy

For recurring/subscription plans (available from Month 2 onward):

• 7-day money-back guarantee applies to the first billing cycle
• Refund available if subscription is cancelled within 7 days
• After 7 days, no refund for the current billing cycle
• Cancellation can be done anytime (see Section 5)

4.2 Subscription Cancellation

To cancel a recurring subscription:

1. Log into your account
2. Go to Settings → Subscriptions
3. Click “Cancel Subscription”
4. Follow the confirmation steps

Upon cancellation:

• Current billing cycle will continue until its end date
• No refund for the current cycle (after 7 days)
• No charges for future cycles
• Your access remains active until the current cycle ends

4.3 Billing Cycle Refunds

First billing cycle (Days 1-7):

• Full refund available (minus processing fees)
• Any reason

After first billing cycle:

• NO refund available
• Cancellation takes effect after current cycle ends
• No pro-rata refunds

5. ACCOUNT CANCELLATION

5.1 How to Cancel Your Account

To delete/cancel your account:

1. Log into your account
2. Go to Settings → Account
3. Click “Delete Account”
4. Review the consequences
5. Follow the confirmation steps

Alternatively, email us:

• Email: info@vibhaga.com with subject “Account Cancellation Request”
• Include your account email and username
• Confirm that you want to permanently delete your account

5.2 Account Deletion Timeline

After you request account deletion:

• Your account access is immediately revoked
• Your personal data is retained for 30 days for security and backup purposes
• After 30 days, your personal data is deleted
• Basic financial records (email, username, order history) may be retained indefinitely for legal compliance

5.3 Remaining Credits After Cancellation

If you have unused credits in your account:

• Credits are forfeited upon account deletion
• NO refund is issued for remaining credits
• If you change your mind, you can contact us within 30 days to recover your account

5.4 Re-activating a Deleted Account

If you delete your account and change your mind:

1. Contact us within 30 days of deletion: refunds@https://stealprompt.com
2. Provide your original email address
3. We can recover your account during the 30-day period
4. After 30 days, account recovery may not be possible

6. HOW TO REQUEST A REFUND

6.1 Refund Request Process

To request a refund:

Step 1: Email us within 7 days of purchase

• Email: refunds@https://stealprompt.com (primary)
• OR: info@vibhaga.com (secondary)
• Subject line: “Refund Request – [Your Order ID]”

Step 2: Provide the following information

• Your account email address
• Your username
• Order ID (find in your account under Billing/Purchase History)
• Purchase date
• Credit package purchased
• Credits used (if any)
• Reason for refund request

Step 3: We will review your request

• We will verify your eligibility (within 7 days, <20% credits used)
• We will respond within 3-5 business days
• We will confirm approval or denial

Step 4: Refund processing

• If approved, refund is initiated automatically to your original payment method
• Refunds typically appear within 3-7 business days
• Processing time depends on your bank

6.2 Refund Status & Tracking

To check your refund status:

1. Log into your account
2. Go to Billing → Transaction History
3. Look for refund status (Pending, Processed, or Failed)
4. Email refunds@https://stealprompt.com if you have questions

7. REFUND PROCESSING & METHODS

7.1 Automatic Refund Processing

Standard refund method (automatic):

• Refund is processed automatically via your original payment gateway
• Payment methods supported:
  • Stripe
  • PayPal
  • Razorpay

Refund appears in your account:

• Stripe: 3-5 business days
• PayPal: 3-7 business days
• Razorpay: 3-7 business days

7.2 Manual Refund Processing

If automatic refund fails:

• We will contact you within 7 business days
• We may process manual refund via alternative method
• We may request additional information (bank details, etc.)
• Manual refund processing may take longer (7-14 business days)

7.3 Refund to Original Payment Method

Refunds are ONLY issued to:

• The original payment method used for purchase
• The original cardholder’s bank account
• The original PayPal account
• The original Razorpay-linked account

We cannot:

• Refund to a different account
• Issue refunds as credits
• Issue refunds via alternative payment methods

8. BILLING DISPUTES & CHARGEBACKS

8.1 Unauthorized Charges

If you see an unauthorized charge:

1. Contact us immediately: refunds@https://stealprompt.com
2. Provide transaction details
3. We will investigate within 7-10 business days
4. We will issue a refund if the charge is confirmed as unauthorized

Do NOT initiate a chargeback without contacting us first.

8.2 Chargeback & Dispute Policy

If you request a refund from us AND dispute the charge with your bank/payment processor:

We will:

• Cooperate with payment processors and banks in their investigation
• Provide transaction records and evidence
• Defend our business interests

If the chargeback is processed against us:

• We will pursue appropriate legal action
• Your account will be PERMANENTLY BANNED
• You will be blacklisted from using our Platform
• You may face legal consequences for fraud

8.3 Multiple Chargeback Attempts

If you attempt multiple chargebacks or fraudulent disputes:

• Your account will be terminated immediately
• We will report the activity to payment processors and law enforcement
• We may pursue legal action for fraud
• You will be banned from creating new accounts

9. NON-REFUNDABLE ITEMS

The following are NEVER refundable:

• Prompts already accessed or downloaded
• Credits already used (more than 20% of package)
• Free tier (Starter plan) usage
• Subscription fees (after 7-day period)
• Credits obtained through coupons or promotional codes
• Premium content already consumed
• Services already rendered

10. WHEN REFUNDS ARE NOT AVAILABLE

Refund is NOT available if:

✗ Request is submitted after 7 days of purchase
✗ You have used more than 20% of purchased credits
✗ You purchased the free tier (Starter plan)
✗ You purchased credits via coupon or discount code
✗ You have downloaded or accessed prompts
✗ You have violated Terms of Service
✗ Your account was terminated for violating policies
✗ You initiated a chargeback without contacting us
✗ Subscription period has ended (for recurring subscriptions after 7 days)
✗ You request refund more than 30 days after account deletion

11. SPECIAL CIRCUMSTANCES

11.1 Technical Issues

If a technical issue prevents you from using the Platform:

• Contact us immediately: info@vibhaga.com
• We will investigate the issue
• If the issue is confirmed and prevents service use, refund may be granted even after 7 days
• Refund eligibility will be assessed case-by-case

11.2 Service Unavailability

If the Platform is unavailable for extended periods:

• We will notify you of the outage
• If unavailability lasts more than 48 hours, you may request:
  • Full refund
  • OR account credit for service extension
• Choice will be at our discretion

11.3 Account Hacked or Compromised

If your account is hacked and credits are used fraudulently:

1. Contact us immediately: refunds@https://stealprompt.com
2. Provide evidence of unauthorized access
3. We will investigate
4. Refund may be granted for fraudulent usage (outside 7-day window)
5. You must secure your account and change your password

12. TAX & LEGAL COMPLIANCE

12.1 Tax Implications

Refunds may have tax implications:

• We are not responsible for tax implications of refunds
• Consult a tax professional regarding your refund
• Refunds do not include recovery of any taxes paid

12.2 Financial Records

Even after account deletion or refund:

• We retain basic financial records for compliance:
  • Email address
  • Username
  • Transaction history
  • Order details
  • Refund records
• These records are kept indefinitely for legal, tax, and audit purposes
• Records are protected by encryption and access controls

13. CONTACT INFORMATION FOR REFUNDS

13.1 Refund Requests

Submit refund requests to:

Primary Email:
refunds@https://stealprompt.com

Secondary Email:
info@vibhaga.com

Phone:
+91 9700704595

Website:
http://https://stealprompt.com

13.2 Response Time

• We will respond to refund requests within 3-5 business days
• Refund processing: 3-7 business days (depends on payment processor)
• Account deletion: 30 days (before complete data deletion)

13.3 Email Guidelines

For faster processing, include:

• Order ID
• Account email address
• Username
• Purchase date
• Credits used (if any)
• Clear reason for refund
• Payment method used (Stripe/PayPal/Razorpay)

14. MODIFICATIONS TO THIS POLICY

We may modify this Cancellation & Refunds Policy at any time. Changes will be effective immediately upon posting.

Your responsibility:

• Review this Policy periodically for updates
• Your continued use of the Platform constitutes acceptance
• If you disagree with changes, you may cancel your account

15. DISPUTE RESOLUTION

If you disagree with a refund decision:

1. Appeal Process:
   • Email: refunds@https://stealprompt.com
   • Subject: “Refund Decision Appeal”
   • Provide additional information or documentation
2. Review Timeline:
   • We will review your appeal within 5-7 business days
   • Our decision is final
3. Escalation:
   • If not satisfied, follow dispute resolution in our Terms of Service
   • Disputes will be resolved under Hyderabad Court jurisdiction

16. FREQUENCY OF REFUND REQUESTS

We reserve the right to deny refund requests from users who:

• Repeatedly request refunds without legitimate reasons
• Have a pattern of refund abuse
• Appear to be exploiting the refund policy

Pattern abuse: More than 3 refund requests within 12 months (excluding special circumstances)

17. INTERNATIONAL USERS

17.1 Currency & Exchange Rates

• Refunds are issued in the currency you paid (USD)
• We are not responsible for currency conversion or exchange rate fluctuations
• Your bank may charge foreign transaction fees
• Fees are not refundable

17.2 GDPR & International Rights

For EU users:

• You have the right to cancel within 14 days (statutory right) or 7 days (our policy), whichever is longer
• GDPR data deletion rights apply (see Privacy Policy)
• Contact us for any questions regarding GDPR rights

For California users:

• CCPA consumer rights apply
• You may request refund under California law provisions
• Additional consumer protections may apply

17.3 India Users

• Refund policy complies with Consumer Protection Act, 2019
• You have rights under Indian e-commerce regulations
• For disputes, contact us at info@vibhaga.com or refunds@https://stealprompt.com

18. ACKNOWLEDGMENT

By using Steal Prompt, you acknowledge that:

• You have read and understood this Cancellation & Refunds Policy
• You agree to the refund terms and conditions
• You understand the 7-day refund window
• You understand the 20% credit usage restriction

If you do not agree with this Policy, do not use the Platform.

19. COMPLETE POLICY SUMMARY TABLE

20. SCHEDULE OF AMENDMENTS

Document Version: 1.0
Effective Date: December 1, 2025
Last Updated: December 1, 2025
Next Review Date: December 1, 2026

END OF CANCELLATION & REFUNDS POLICY

This Cancellation & Refunds Policy is compliant with:
✓ Indian Consumer Protection Act, 2019
✓ GDPR refund rights (EU users)
✓ CCPA consumer protections (California users)
✓ International e-commerce standards
✓ Payment processor requirements (Stripe, PayPal, Razorpay)