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Customer Assurance & Fair Billing

Cancellation & Refund Policy

Last updated: September 23, 2026

Merchant Entity: Cyber Vision

All subscriptions, digital passes, and educational plan transactions on Smarto AI (https://smartoai.fun) are billed and processed by Cyber Vision in technical association with GNET Technologies and Smarto. All refunds and dispute resolutions are executed under the merchant governance of Cyber Vision via Razorpay.

1. 14-Day Risk-Free Money-Back Guarantee

We stand firmly behind the educational and cognitive quality of Smarto AI. If you or your child are not completely satisfied with your newly purchased consumer subscription pass (e.g. Starter Pass, NEET/JEE Pro Pass, or SuperBrain Family Plan), you are entitled to request a 100% full refund within 14 calendar days of the original purchase date.

2. Subscription Cancellation Rules

Users can cancel their active recurring subscription plan at any time without penalty:

  • Self-Service Cancellation: Navigate to your Parent Dashboard > Billing & Subscription and click Cancel Subscription.
  • Support Request Cancellation: Send an email from your registered account to support@smartoai.fun requesting cancellation.
  • Access Continuity: Upon cancellation, your account will remain unlocked with full premium access until the end of your current paid billing cycle. No further renewal charges will be applied.

3. Refund Processing Timelines (Razorpay / Bank)

Once your refund request is submitted and verified by the Cyber Vision billing department:

Credited to Original Payment Method within 5 to 7 Business Days

As per standard Razorpay and Reserve Bank of India (RBI) payment gateway settlement guidelines, the refunded amount will reflect in your bank account, credit card statement, or UPI account within 5 to 7 business days from the date of approval.

  • UPI Payments: Typically reflect within 24 to 48 hours.
  • Net Banking & Debit Cards: Typically reflect within 3 to 5 business days.
  • Credit Cards: Reflects on your next monthly card statement according to your card-issuing bank's cycle (maximum 7 business days).

4. Non-Refundable Scenarios

Refunds will not be entertained in the following instances:

  • Requests made after the 14-day guarantee window from the transaction timestamp has lapsed.
  • Accounts that have been suspended or terminated due to confirmed violations of platform integrity, fraudulent test submissions, or abusive conduct.
  • Enterprise school or multi-center coaching institutional deployments that have already undergone custom digital onboarding and database provisioning.

5. Step-by-Step Guide to Request a Refund

To initiate a refund, please send an email to support@smartoai.fun with the subject line Refund Request - [Your Registered Email]:

• Registered User Email: [your-email@domain.com]

• Razorpay Payment ID or Invoice Number: [e.g. pay_XXXXXX]

• Date of Transaction & Plan Purchased

• Reason for Cancellation (optional, helps our academic team improve)

Our billing support team at Cyber Vision will acknowledge receipt within 24 business hours and process approved requests immediately.