Refund Policy

Last updated: 17 October 2026

This policy explains how refunds work for payments made on the BMS Cultivator website.

1. What this policy covers

The only payments on this site are voluntary support payments, made through the Support Me button. They are processed by Razorpay.

Support payments are not a purchase of a product, course or service. You do not receive any goods or services in return. The site does not sell memberships or paid courses at this time.

2. Support payments are non-refundable

Because support is a voluntary contribution, I do not offer refunds once a payment is successful. Please be sure about the amount before you pay.

3. When I will refund

I will review a refund request and return the money in these cases:

• Duplicate payment: you were charged more than once for the same support.
• Wrong amount: the amount charged is different from the amount you entered, because of a technical error.
• Payment taken but not confirmed: the money left your account, but the payment shows as failed on the Razorpay page.

4. How to ask for a refund

Write to me within 7 days of the payment, through any of these:

Please include:

• your name,
• the email address or phone number used for the payment,
• the date and amount of the payment,
• the Razorpay payment ID or a screenshot of the payment confirmation.

5. How long it takes

I will reply within a reasonable time after I receive your request. If I approve the refund, it goes back to the original payment method through Razorpay. Banks and payment providers usually take about 5 to 7 working days to show the money in your account. This time is outside my control.

6. Failed payments

If a payment fails and the money is deducted from your account, it is usually returned automatically by your bank or by Razorpay. Please wait a few working days. If it does not come back, write to me with the details above and I will help you follow it up.

7. Changes to this policy

I may update this policy from time to time. The "Last updated" date at the top will change when I do.

8. Contact and grievance

For any question about refunds: