Merchant Cancellation & Digital Goods Fulfillment Policy
Last Updated: January 01, 2026 | Revision 5.2
Digital Utility Credit & 48-Hour Maturing Lock Policy
CipherPod operates as a digital media and interactive creator platform owned by ACE OF COSMOS prop. All top-ups made via Google Play Billing or Razorpay convert into Maturing Credits (CC) subject to a mandatory 48-Hour Settlement Holding Window before active deployment. Please read this policy carefully regarding refund eligibility during this 48-hour period.
1. 48-Hour Maturing Holding Window & Cancellation Rights
To ensure consumer protection, prevent accidental purchases, and guard against unauthorized transactions:
48-Hour Maturing Holding Window: All top-up transactions (processed via Razorpay on the web app or Google Play Billing on the mobile app) enter a 48-hour "Maturing Credits" holding state prior to being claimed into the user's active Main Wallet.
Refund Eligibility During 48-Hour Lock: If a user completes a top-up accidentally or decides not to proceed with platform media usage, the user is entitled to request a full refund of their unspent Maturing Credits within this 48-hour window before claiming them into their active Main Wallet.
How to Request a Refund During the 48-Hour Window:
Web App (Razorpay Top-Ups): Contact merchant support at cipherpod@aceofcosmos.com with your transaction ID, payment receipt, and registered phone number. Verified requests for unclaimed maturing credits will be refunded back to the source payment method within 3 to 5 business days.
Mobile App (Google Play Billing): Users may initiate a refund directly via Google Play Purchase History within Google's policy window or by contacting support at cipherpod@aceofcosmos.com. Unclaimed maturing credits associated with refunded Google Play purchases will be voided.
2. Post-Settlement Non-Refundability
Once the 48-hour maturing holding window expires and the user manually claims/settles the credits into their active Main Wallet (or deploys them for creator passes/media unlocks):
Fully Delivered Digital Goods: Claimed active Cipher Credits (CC) are deemed fully delivered and consumed digital utility assets.
Post-Claim Non-Refundable Status: Claimed, settled, or deployed Cipher Credits are strictly non-refundable, non-exchangeable, and non-withdrawable into fiat currency under any circumstances.
No External Monetary Value: Cipher Credits hold no legal tender value outside the enclosed CipherPod ecosystem.
3. Duplicate Charges & Failed Transactions
In the event of technical glitches or network disconnects during a payment attempt:
Failed Transactions (Money Debited, Credits Not Received): If your bank account or card is debited but Cipher Credits are not provisioned due to a network error, payment gateway reconciliation protocols will automatically refund the debited amount back to your original source account within 3 to 5 business days as per Reserve Bank of India (RBI) Harmonization of TAT guidelines.
Duplicate Charges: If you are charged twice for a single top-up attempt due to a payment gateway latency error, please contact our support team at cipherpod@aceofcosmos.com with your transaction ID and receipt. Upon verification, any extra debited amount will be refunded to your source payment method within 5 to 7 business days.
4. Chargebacks & Payment Disputes
Users who initiate unauthorized chargebacks or payment disputes with their issuing bank without first contacting CipherPod support will have their account immediately suspended pending compliance review. Any credits or assets associated with disputed transactions will be locked during investigation.
5. Support & Merchant Contact
For any queries regarding transaction discrepancies, 48-hour maturing credit refunds, or payment assistance, please contact our Merchant Compliance Team: