REFUND POLICY

Hunch — operated by CMA Solutions LLP

Document Reference: HUN-LEG-RP-V3.0 Version: 3.0 (Draft for attorney review) Effective Date: [TO BE INSERTED] Last Updated: [TO BE INSERTED]

NOTICE — DRAFT INSTRUMENT. For counsel review before publication. Not legal advice.

1. PURPOSE

1.1 This Refund Policy ("Policy") sets out the circumstances in which CMA Solutions LLP ("Company") will issue a refund of amounts paid by a User in respect of the conversational AI service marketed as "Hunch" (the "Service").

1.2 This Policy is published in compliance with the Consumer Protection Act, 2019, and the Consumer Protection (E-Commerce) Rules, 2020.

1.3 This Policy is a Constituent Document under the Terms of Service (HUN-LEG-TOS-V3.0). In the event of any inconsistency between this Policy and the Terms of Service or any other Constituent Document, this Policy shall prevail in respect of refund-related matters.

2. GENERAL POSITION

2.1 The Service is a digital, conversational service. Amounts paid to the Company are, in general, non-refundable save in the circumstances expressly set out in Clause 3 below.

2.2 By initiating a transaction with the Company, the User acknowledges and accepts: (a) the limited refund grounds set out in Clause 3; (b) the User's responsibility to satisfy itself as to the suitability of the Service before subscribing; (c) that subjective dissatisfaction with the quality of AI Output, astrological interpretation, or Behavioural Pattern Analysis is not a ground for refund.

3. CIRCUMSTANCES IN WHICH A REFUND WILL BE ISSUED

3.1 Transaction failure. Where the User's payment instrument has been debited but the corresponding Service has not been provisioned in the User's account (for instance, by reason of a payment-gateway error), the Company shall, on verification, refund the debited amount within seven (7) to ten (10) business days.

3.2 Duplicate charge. Where the User has been charged more than once for the same Service, the Company shall, on verification, refund the excess amount within seven (7) to ten (10) business days.

3.3 Statutory entitlement. Where the User is entitled to a refund under Applicable Law (including under the Consumer Protection Act, 2019), such refund shall be processed in accordance with the statutory entitlement.

3.4 Discretionary refund. The Company reserves the right, in its sole discretion, to issue a refund in circumstances not covered by Clauses 3.1 to 3.3. Such discretionary refund shall not constitute a precedent for future cases.

4. CIRCUMSTANCES IN WHICH NO REFUND WILL BE ISSUED

4.1 Save as set out in Clause 3, no refund shall be issued, including in the following circumstances:

(a) the User has not used the Service during a billing period; (b) the User cancels a subscription mid-cycle; (c) the User is dissatisfied with AI Output, astrological interpretation, or Behavioural Data analysis; (d) the Service experiences temporary unavailability not attributable to the Company's negligence; (e) the User loses access to the messaging platform through which the Service is delivered; (f) the User's account is suspended or terminated on grounds of breach of the Terms of Service or any Constituent Document; (g) the User has shared the User's payment instrument or messaging-platform identifier with another person.

5. PROCESS FOR REQUESTING A REFUND

5.1 A User seeking a refund under Clause 3.1 or 3.2 shall:

(a) email support@use-hunch.com with subject line "REFUND REQUEST: [GRN, if available]";

(b) include: (i) the User's name and phone-number identifier; (ii) the transaction identifier issued by Razorpay or other payment processor; (iii) the date and amount of the disputed transaction; (iv) the reason for the refund request; (v) any supporting documents (screenshots, bank statements).

5.2 Acknowledgement. The Company shall acknowledge receipt within forty-eight (48) hours.

5.3 Verification. The Company shall verify the claim against transaction records, the Service provisioning log, and (where necessary) Razorpay records.

5.4 Disposition. Subject to successful verification, the refund shall be initiated within seven (7) to ten (10) business days of verification. Receipt of funds into the User's payment instrument may take additional time depending on the relevant bank or card network.

5.5 Mode of refund. Refunds shall be made to the original payment instrument used for the transaction. Where the original payment instrument is no longer available, the Company shall consult the User on an alternative method.

5.6 Currency. Refunds shall be in Indian Rupees. Where the original transaction was in a foreign currency (which is not the standard case), refund shall be at the exchange rate prevailing at the date of refund, with currency-conversion charges (if any) borne by the User.

6. RAZORPAY DISPUTE PROCESS

6.1 Where the User has lodged a chargeback or dispute with the User's bank or card network in respect of a transaction with the Company, the Razorpay dispute-resolution process shall apply.

6.2 The Company shall cooperate with the Razorpay dispute process and shall, where appropriate, provide such information as is required to establish the validity (or otherwise) of the transaction.

6.3 The User shall not pursue a chargeback or dispute on a transaction in respect of which the Company has already initiated a refund.

7. RECORDS AND AUDIT

7.1 The Company shall maintain records of all refund requests and dispositions for a period of seven (7) years from the date of the relevant transaction, in accordance with the Data Retention and Deletion Policy.

8. GRIEVANCES

8.1 A User dissatisfied with the disposition of a refund request may file a grievance under the Grievance Redressal Policy (HUN-LEG-GRP-V3.0). Payment-related grievances are resolved within seven (7) to ten (10) business days.

8.2 External recourse — including the National Consumer Helpline (1800-11-4000) and the Consumer Disputes Redressal Commission — remains available.

9. AMENDMENTS

9.1 The Company may amend this Policy from time to time. Material amendments shall be notified in accordance with Clause 16 of the Terms of Service.

10. CONTACT

CMA Solutions LLP LLPIN: ACP-6029 Email: support@use-hunch.com Telephone: +91 9667674105.

SCHEDULE 1 — REVISION HISTORY

END OF REFUND POLICY.

Draft for attorney review. Not legal advice.