1. Wallet top-ups
| Situation | What happens |
|---|---|
| Money debited but the wallet was not credited | Your wallet is credited automatically once our payment gateway confirms the payment, usually within minutes. If the payment ultimately fails, your bank or UPI app returns the money, normally within 5–7 working days. |
| Charged twice for one top-up, or charged the wrong amount | Report it within 30 days. The duplicate or excess amount is refunded to your original payment method. |
| Top-up made by mistake and not used | Request a refund within 7 days of the top-up. If none of that top-up has been spent, it is refunded to your original payment method. |
| Unauthorised payment from your card or account | Write to us at once. We will block further use of the account and work with the payment gateway and your bank to reverse it. |
Apart from the cases above, wallet balance cannot be withdrawn as cash or transferred. Promotional credit, such as a sign-up bonus, is never refundable.
2. Calls, chats and messages
Refunds for sessions are credited to your TalkWith wallet. You can ask for one when:
- You were charged for a call or chat that did not connect, or where you could not hear or see the partner because of a technical fault.
- A session was charged more than the rate shown, or for longer than it lasted.
- The partner broke our Community Guidelines during the session, for example by being abusive or asking to move off the app.
- You paid for a message to an offline partner and did not get a reply within 72 hours.
We review the session’s billing records and any report you made, and may refund all or part of the charge. Refunds are not given because you disagreed with a partner’s opinion, reading or advice, or because a prediction did not come true.
3. Gifts
Gifts are a voluntary appreciation for a partner and are final once sent. We refund a gift only if it was charged because of a technical error or sent without your authorisation.
4. How to ask for a refund
- In the TalkWith app, open Profile → Help and support and choose the payment or session. Or email support@talkwithapp.com and mention your registered phone number.
- Include the date, the amount and, for a top-up, the payment reference from your bank or UPI app.
- We acknowledge your request within 24 hours and decide within 7 working days.
| Refund to | Time after approval |
|---|---|
| Your TalkWith wallet | Immediately |
| UPI | 1–3 working days |
| Debit or credit card, net banking, wallets | 5–7 working days, depending on your bank |
5. Cancellation
- There are no subscriptions or recurring charges to cancel.
- You can end any chat, call or live session at any moment. Billing stops at once.
- A chat request or call that the partner has not yet accepted can be cancelled without charge.
- If you delete your account, any unspent wallet balance is lost when the account is erased 30 days later. If you want a refund of an unused top-up under section 1, ask before deleting.
6. Effect on partners
When a session charge is refunded, the partner’s earning for that charge is reversed. Details are in the Partner Terms.
7. If you’re not satisfied
If you disagree with our decision, write to our Grievance Officer at grievance@talkwithapp.com or call +91 97371 75300. See Grievance Redressal for how complaints are handled.
Contact us
TalkWith is operated by Jagdamba Associates.
C Block, Time Square Building, 208, 2nd Floor
Near Fatehgunj Petrol Pump, Fatehgunj
Vadodara, Gujarat 390002, India
Monday to Saturday, 10:00 am – 7:00 pm IST