Speaki

Refund, Cancellation and Delivery Policy

Effective date: 12 October 2026

This page tells you what you buy on Speaki, how it reaches you, what happens if a payment goes wrong, and when you can get your money back. It is part of our Terms of Use.

1. The short version

  • You buy a pass: a one-time payment of ₹49 for 30 days. It does not renew by itself. We never set up an automatic debit, so there is nothing to cancel.
  • A pass is digital. It starts on your account as soon as your payment is confirmed. Nothing is posted to you.
  • If a payment fails but money leaves your account, it is confirmed or refunded automatically. You do not need to pay again.
  • If you pay twice for one purchase, the second payment is refunded automatically.
  • If you have not used your pass, you can ask for a refund within 7 days of buying it (section 6).

2. How the Service is delivered

  • What you get. A pass lets you talk with Tara, by voice call and by chat, as much as you like until it ends. It works on the web app and the Android app, with the same mobile number.
  • How it reaches you. The pass is added to your account. There is no shipping, no courier and no delivery charge. You need an internet connection to use it.
  • When it starts. As soon as your payment is confirmed. This usually takes a few seconds. On a slow network it can take a few minutes. If you already have an active pass, the new one starts when the current one ends, so you never lose days.
  • When it ends. A pass lasts at least 30 days. It ends at 11:59 pm India time on its last day.
  • Where to see it. Your pass, its end date and your payment history are in Membership in the app.

3. Paying, and when a payment fails

You pay in the secure checkout of Razorpay or Cashfree, which opens from Speaki. We choose the gateway for you. You enter your card, UPI or bank details with them, and we never see or store them. The Privacy Policy says what we share with them.

  • The payment fails and nothing is debited. Nothing was charged. Try again.
  • The payment fails but money is debited. Do not pay again. We keep checking the payment with the gateway. If it turns out to have gone through, your pass is added without you doing anything. If it did not, the gateway returns the money to your account.
  • The payment is pending. Sometimes a bank takes a while to say whether a payment worked. We keep checking for up to 3 days. While it is pending the app shows "pending", and you should wait rather than pay again.
  • After 3 days. If money was debited, you have no pass and no refund has reached you, contact us with the order reference from Payment history (section 7). We will fix it.

4. Paid twice for one purchase

If two payments are taken for one purchase, for example because you retried while the first was pending, the pass is added once and the extra payment is refunded in full automatically. The refund never shortens or delays your pass.

5. Cancellation

There is no subscription, so there is nothing to cancel and nothing is charged again. A pass ends on its own at the end of its period. To stop using Speaki you can just stop, or you can ask us to delete your account (see the Data Deletion page).

6. Getting a refund for a pass

  • Not used yet. If you ask within 7 days of buying a pass, and you have not made a call or sent a chat message since buying it, we refund the full amount.
  • Used. Once you have used a pass, we do not refund the days already used.
  • We could not give you the Service. If a fault on our side stopped you using Speaki for a long time while your pass was active, we will extend your pass or refund the days you lost, whichever you prefer.
  • Not refundable. Account closure by us for breaking the rules in the Terms of Use, and a pass you lose by deleting your account, are not refunded.
  • If we close Speaki. We refund the unused days of any active pass.

When a pass is refunded, that pass ends. If you have another pass waiting after it, that pass moves up so you do not lose paid days.

If you dispute a payment with your bank instead of asking us, that pass ends while the dispute is open. Please write to us first. We would rather fix it.

7. How to ask, and how fast

Write to [email protected] and give your registered mobile number. Tell us the order reference from Payment history in Membership and what went wrong. Never send us your card number, UPI PIN or an OTP.

  • We reply within 2 working days and tell you our decision within 7 days of getting your request.
  • An approved refund goes back to the same payment method you used. We start it at once. It usually reaches your account in 5 to 7 working days after that, depending on your bank.
  • If you are not happy with our answer, use the Grievance Redressal page.

8. Our details

Speaki, Daffodils Inn, 823P, Sector 47, Gurugram, Haryana 122018. Support: [email protected].