Cancellation & Refund Policy

A payment for Heart Score is final. Nothing here is time-based, so there is no window to watch and no tier to work out.

• Once a payment settles, it cannot be cancelled, reversed, or refunded in whole or in part.
• This applies whether or not you have generated a report against the payment, and whether or not you agree with what the report says.
• There is no subscription and no recurring charge, so there is nothing to cancel later.

• What you pay for is delivered instantly and in full: the moment a payment settles, the locked questions open and the report can be generated. There is no undelivered part to return.
• A digital report cannot be handed back. Once it has been read, the thing that was bought has been received.
• You do not have to pay to find out what the product is. The free check gives you a working report from the questions anyone can answer — see it first, on your own answers, and pay only if you want the depth the paid questions add.

• One payment of ₹99 covers up to 3 reports, so a figure you did not have on the day — a lipid panel, a recent blood pressure — can be added later and the report generated again.
• A report is only spent when the answers behind it have changed. Asking again for a report you already hold returns the saved one and costs nothing.
• Reports you have unlocked stay readable in My Report, with the payment they were bought under, and do not expire.
• Because the allowance stays available, a payment you feel you made too early is not lost — it is simply waiting for the answers you have not given yet.

• A payment that fails, is abandoned, or is declined at the gateway does not unlock anything and does not create a charge we hold.
• Your bank or UPI app may show a temporary hold on an attempt that did not complete. Those are released by your bank on its own schedule; they are not payments to us.
• If money has left your account and your report has not unlocked, that is a delivery problem, not a refund question. Write to us with the transaction reference and we will settle the payment against your account so you get the access it was for.
• Every settled payment is listed in My Report next to the report it bought, with its payment, order and transaction identifiers, so you can always check what was charged and what it unlocked.

• If the product does not do what this site says it does, tell us. We would rather fix the report or restore your access than have you sitting with something broken.
• Write to team@tripsam.com with the payment or order identifier from My Report, and describe what happened.
• This policy sits alongside our Terms & Conditions, which govern your use of Cardea as a whole.