Refund Policy
Credit purchases are non-refundable
WizChips credits are virtual units used to power study material processing inside the Service. Once a credit pack purchase is successfully completed and credits are added to your account, that purchase is final and non-refundable. Credits cannot be exchanged for cash, transferred to another account, or returned for a refund of the original purchase price.
This policy reflects the nature of digital goods that are made available to your account immediately upon payment. Statutory consumer-protection rights that may apply to your purchase (including any "cooling-off period" or right of withdrawal under EU, UK, or equivalent law) are governed by the terms of our Merchant of Record (see "How payments are handled" below) — not by this policy.
When we will refund
We will issue a refund for a credit purchase in the following limited circumstances:
- Duplicate charges. If you were charged more than once for the same purchase due to a technical error, we will refund the duplicate charge(s).
- Billing errors. If the amount charged differs from the price shown on our pricing page at the time of purchase, we will refund the difference (or the full amount, at our discretion).
- Unauthorized transactions. If your payment method was used to purchase credits without your authorization, contact us as soon as possible so we can investigate. We may request additional information (for example, the date you noticed the charge, or whether you have filed a report with your bank or card issuer). Refunds are issued at our discretion based on the outcome of our investigation.
- Service failure. If a confirmed payment did not result in credits being added to your account due to a technical issue with our service or our payment processor, we will either deliver the credits or refund the purchase, at your option.
How to request a refund
To request a refund, email contact@wizchips.com within 14 days of the purchase date for duplicate-charge, billing-error, or service-failure cases. For unauthorized transactions (suspected fraud), please contact us as soon as you notice the charge — there is no fixed window for these cases. Please include:
- The email address on your WizChips account
- The approximate date of the charge
- The amount charged
- A short description of the issue
We aim to respond within 3 business days. Approved refunds are issued back to the original payment method and typically appear within 5–10 business days, depending on your bank or card issuer.
Refunds are issued in the original payment currency. Currency-conversion differences between the original charge and the refund credit are determined by your bank or card issuer and not by WizLabs.
Chargebacks
If you have a question or concern about a charge, please contact us before initiating a chargeback with your bank or card issuer. We're happy to investigate and resolve issues directly. Accounts with unresolved chargebacks may be suspended pending review.
Changes to this policy
We may update this Refund Policy from time to time. Changes apply to purchases made on or after the updated effective date.
How payments are handled
Credit purchases on WizChips are processed by Stripe, Inc. and its regional affiliates as our payment provider and Merchant of Record in supported regions. This means Stripe is the entity that charges your payment method, calculates and remits any applicable taxes (VAT, GST, sales tax), and handles payment-method disputes. WizLabs Inc. provides the WizChips service and the credits themselves, and decides whether refund requests under this policy are approved. Stripe then processes the refund back to your original payment method.
For customers in regions where Stripe is not our Merchant of Record, WizLabs Inc. is the seller of record and your purchase is governed directly by this policy.