Refund Policy

Last updated: 13 July 2026

This policy explains what happens to your money once you buy coins on MeraChannel, operated by Locus Web Services Private Limited. Please read it before you pay — by purchasing a coin plan you accept it.

1. Coins are non-refundable

Coins are a digital item, delivered to your wallet immediately on payment. They unlock access to creators’ content the moment you spend them, and a share of what you pay is earned by creators. Because coins are delivered instantly and cannot be “returned”, we cannot reverse the purchase after the fact.

To be explicit, we do not give refunds for:

• coins you bought but did not spend;
• coins you spent on a channel you then disliked, or that posted less than you hoped;
• a plan that renewed because you forgot to cancel it before the renewal date;
• a change of mind, an accidental purchase, or buying the wrong plan;
• losing access because you deleted your account;
• an account suspended or terminated for breaching our Terms or Content Policy.

Coins never expire while your account is open, so unspent coins are not lost — they stay in your wallet until you use them.

2. The ₹65 trial charge

When you authorise the UPI Autopay mandate we charge ₹65 for a 1-day trial and credit your plan’s coins immediately. Because the coins are delivered up front, the ₹65 is non-refundable.

If you do not cancel before the trial ends, the full plan amount (₹299, ₹499, or ₹999) is charged and your monthly cycle begins. To avoid the full charge, cancel before the trial ends — in the app, or by revoking the mandate in your UPI app. Once the full charge has gone through and coins have been credited, it is non-refundable.

3. Cancelling

You can cancel your coin plan at any time. Cancellation stops future charges — it is not a refund of a charge already made.

• Coins already credited stay in your wallet and never expire.
• Channel subscriptions you have already paid a coin for run to the end of that month.
• Cancelling a channel subscription mid-month does not refund the coin, and coins are not returned to your wallet on a pro-rata basis.

4. When we do put money back

The no-refund rule covers coins you received. It does not cover a payment that went wrong. We will investigate and, where the claim is valid, credit the coins you paid for or return the money:

• Debited but no coins. Money left your account and coins were never credited. We will credit the coins, or refund the amount if we cannot.
• Duplicate charge. You were charged twice for the same cycle. We refund the extra charge.
• Charged after cancelling. A mandate was debited after you validly cancelled. We refund it.
• Overcharge. You were debited more than your plan price. We refund the difference.
• Unauthorised transaction. A charge you did not authorise. Report it to us and to your bank immediately; we will investigate with Cashfree and your bank.

Note that a failed payment is not a refund case: if a UPI charge fails, no money is taken, or your bank auto-reverses any temporary debit — typically within 3–7 working days. There is nothing for us to refund.

5. How to raise a claim

Email supportmerachannel.com from your registered mobile number’s account, or call +91-9959921142, within 7 days of the charge. Include:

• your registered mobile number;
• the date and amount of the charge;
• the UPI reference / transaction ID from your bank or UPI app statement; and
• what went wrong.

We acknowledge within 24 hours and aim to resolve within 5–7 working days. Where a refund is approved, it is processed back to the original payment method and typically reaches you within 5–10 working days, depending on your bank. We do not refund to a different account, in cash, or in coins.

6. Creator earnings

If you run a channel, note that a refund we issue to a fan may be deducted from your earnings for the relevant period, and earnings we reasonably believe arise from fraud or breach of our Terms may be withheld or reversed. See the Terms & Conditions.

7. Chargebacks

Please contact us before raising a dispute with your bank — we can usually sort it out faster. Where we hold evidence that coins were delivered and the charge was authorised, we will contest a chargeback. Accounts used to abuse chargebacks may be suspended and any coin balance forfeited.

8. Contact