Refund Policy

1. Overview

Funtoosh operates a wallet-based economy for anonymous messaging, paid messaging, tips, and premium features. This Refund Policy explains when refunds are possible and how they are processed, in line with Information Technology Act, Consumer Protection principles, and payment processor rules.

2. Definitions

• Wallet Top-up: Adding funds to your Funtoosh Wallet via UPI, cards, net banking, or Stripe.
• Tips & Paid Messages: Voluntary peer-to-peer payments to creators for anonymous interactions.
• Premium Features: Optional paid features like priority support, enhanced privacy controls, custom themes.
• Advertisements: Internal text-based promotional content marked as Sponsored, not third-party ads.

3. Wallet Top-ups

3.1 Eligibility

• Refundable within 24 hours if balance unused and no transactions initiated.
• After 24 hours or after any spend (tip, paid message, premium purchase), top-up converts to non-refundable wallet credit.
• Duplicate or erroneous charges: Full refund upon verification if reported within 7 days with transaction ID.

3.2 Non-Refundable

• Promo credits, referral bonuses, or advertisement rewards.
• Wallet balance used for blocking, reporting, or other free features remains usable but not refundable to original payment method.

4. Tips & Paid Messages

Tips and paid messages are voluntary, peer-to-peer, and support our creator economy. They are non-refundable by design to protect creators from chargeback abuse. If you sent a tip by mistake, you may request mediation within 1 hour via Wallet → Transactions → Request Mediation; creator can voluntarily refund from their balance.

• Creator receives 80% of tip, platform retains 20% for infrastructure, fraud prevention, and support.
• Once creator withdraws earnings, tip cannot be recalled via platform; direct resolution between users required.

5. Premium Features

• Monthly premium is cancellable anytime via Settings → Premium → Cancel.
• Refundable within 7 days if no premium features used (no priority support tickets, no custom themes applied).
• Pro-rated refund if service outage exceeds 48 hours continuous, verified by status page.
• Annual plans: Refundable within 7 days, thereafter pro-rated for unused months minus processing fees.

6. Advertisements

Internal advertisements (Upgrade to Premium, Invite Friends, Creator Tools) are promotional content, not paid products. No refund applicable. Advertisement inquiries: ads@funtoosh.app. Reporting misleading ad via Safety Policy.

7. Refund Process

1. Open Wallet → Transactions → Select transaction → Request Refund and provide reason.
2. Or email billing@funtoosh.app with transaction ID, email used for Email OTP login, amount, and reason.
3. We acknowledge within 24 hours and decide within 3 business days after fraud checks.
4. Approved refunds processed 5–7 business days to original payment method; UPI refunds may be faster.

8. Exceptions

• Fraud, chargeback abuse, violation of Terms, Content Policy, Acceptable Use Policy, or Anti-Spam Policy → no refund, account may be suspended per Account Suspension Policy.
• Wallet credits received via promotional advertisements or referral programs are non-refundable and non-transferable.
• Future crypto top-ups, if introduced, are non-refundable due to network irreversibility, disclosed at time of purchase per Payment Terms.

9. User Responsibilities

• Verify amount before confirming wallet recharge and paid messaging.
• Keep Email OTP secure; we are not liable for unauthorized wallet use due to compromised email.
• Use blocking and reporting features for unwanted paid message solicitations.
• Provide accurate information for refund verification.

10. Platform Responsibilities

• Process legitimate refund requests within stated timelines.
• Maintain fraud prevention, abuse detection, and spam detection to reduce erroneous charges.
• Provide transparent transaction history and receipts.
• Ensure wallet recharge and paid messaging systems have security monitoring and privacy protection.

11. Contact Information

• Billing & Refunds: billing@funtoosh.app — Response 24 hours, resolution 3 business days
• General Support: support@funtoosh.app
• Grievance Officer: grievance@funtoosh.app — Response 15 days per IT Act, details at /grievance-redressal
• Business: business@funtoosh.app

Effective Date: July 31, 2026 • Last Updated: July 31, 2026 • Future-ready for UPI, cards, international Stripe, and wallet expansion.