Refund & Cancellation Policy

Last updated: 6 October 2026

Talk to Krishna is owned and operated by Harshajyoti Das (an individual), who is the service provider and the merchant for all payments made on this site.

In this policy, “Harshajyoti Das”, “we”, and “us” mean the owner and operator of Talk to Krishna. Talk to Krishna passes are low-cost, one-time digital purchases that start immediately after payment.

1. When we refund

• Paid but no access: if you paid but could not get your access code and we cannot fix it, we refund the full amount.
• Charged twice: duplicate payments for the same purchase are refunded in full.
• Pass not used: if you have not sent any message with your pass, you can ask for a refund within 48 hours of payment.

2. When we do not refund

Once you have chatted using a pass, it is not refundable, because the service has been delivered. We also do not refund for change of mind after use, or for the unused remainder of a pass period.

3. How refunds are paid

Approved refunds are issued by Harshajyoti Das to the original payment method through Razorpay, usually within 5–7 working days.

4. Cancellation

Passes do not renew, so there is nothing to cancel. A pass simply ends at the end of its period.

5. How to ask

Email harsha@momentuminvesting.courses or use the contact form, and include your Razorpay payment ID (it starts with pay_).