Refund & Cancellation Policy
Last Updated: October 2026 • Governing Digital Products, Subscriptions & Instant Delivery under Consumer Protection (E-Commerce) Rules, 2020
1. Digital Downloads & Instant Access Products
Due to the intangible and irrevocable nature of digital goods (such as Notion templates, Figma kits, Excel financial models, software source code, presets, and e-books), sales are non-refundable once the download link or file access has been generated or delivered.
- Corrupted or Defective Files: The downloaded asset file is corrupted, incomplete, missing core deliverables, and the Creator fails to furnish a functional replacement within 48 hours of reporting.
- Duplicate Transaction Debits: A verified banking or payment gateway glitch resulting in multiple successful debits for the identical order ID. Overcharges are automatically reversed within 3–5 working days to the source payment method.
2. Recurring Subscriptions (Telegram Communities & AutoPay)
For community memberships powered by UPI AutoPay or recurring payment mandates:
- Cancel Anytime: Subscribers can revoke their recurring payment mandate at any moment directly within their UPI app (PhonePe, Google Pay, BHIM, Paytm) or via their subscriber portal link.
- Access Period & Automated Churn Lifecycle: Upon cancellation, your access remains valid through the remainder of the currently debited billing cycle. If a renewal debit fails, an automated 48-hour grace period activates with WhatsApp alerts. If unrenewed after 48 hours, our official community bot (
@My_Scoop_Bot) automatically removes (kicks) the member from the private Telegram channel and revokes digital vault access. - No Prorated Debits: Membership charges already debited for the ongoing month are non-refundable. Pre-debit notifications are dispatched at least 24 hours prior to every recurring debit in accordance with RBI guidelines.
- Non-Refundable Gateway Fees: In accordance with payment aggregator banking regulations, the original payment gateway fee (~2% + 18% GST) is non-refundable by the banking system on refunded transactions.
3. Productized Freelance Services & 1-on-1 Consultations
Refunds for freelance deliverables or scheduled consultation calls are handled based on delivery status:
- If a Creator fails to appear for a scheduled consultation or fails to initiate an agreed project milestone within 7 working days, the Buyer is entitled to a 100% refund.
- Once a custom deliverable has been accepted and approved by the client, the transaction is finalized.
4. Shipping & Digital Delivery Policy
MyScoop deals exclusively in digital goods, services, and online community memberships:
- Zero Physical Shipping: No physical shipping is required. Zero postal fees, delivery tracking numbers, or physical couriers are involved.
- Instant Electronic Delivery: Upon successful UPI checkout confirmation, digital goods are delivered instantly via on-screen cryptographic download links (expiring after 15 minutes for piracy protection) and emailed to the Buyer's registered email address.
- Automated Telegram Bot Access: For community memberships, an automated single-use invitation link is dispatched via WhatsApp and Email within 60 seconds of transaction completion.
Who Funds Refunds
MyScoop is a marketplace. As set out in the Creator / Seller Addendum, the Creator is the seller of record for every sale. That means approved refunds are funded by the Creator — not by MyScoop.
- Before a payout settles: the refund is reversed directly out of the Creator's pending balance (inside the Wednesday payout window / T+3 reserve).
- After a payout settles: the amount is recovered by offsetting the Creator's future Wednesday payouts. A negative balance carries forward until it is cleared from subsequent earnings.
- Gateway fees: The 2% gateway MDR is not returned by the payment system on refunded transactions and is borne by the Creator.
Refunds are funded by the Creator (seller of record), not by MyScoop. Refunds issued before a payout settles are reversed directly from the Creator's pending balance; refunds issued after settlement are recovered by offsetting the Creator's future weekly payouts (a negative balance carries forward until cleared).
Dispute Resolution & Escalation
If a Creator does not respond to a legitimate refund request within 48 hours, buyers can escalate the transaction to our statutory dispute desk: