Cancellation and Refund Policy

theZio · Last updated 19 October 2026

This policy covers two kinds of payment on thezio.co: a creator paying for a theZio plan, and a buyer paying for a digital product on a creator’s theZio page (thezio.co/<creator>). All payments are processed by Razorpay, in Indian rupees. theZio is operated by Punyakriya Industries Private Limited.

1. theZio plans (for creators)

Paid plans are billed in advance, monthly or yearly, through Razorpay. Prices and plan limits are shown on our pricing page.
Cancel any time from Billing in your dashboard. Cancellation takes effect at the end of the current billing period, you keep your plan until then, and you are not charged again.
If you delete your account, any paid subscription is cancelled at the same moment, so you are not charged again. Paid time left in the current billing period ends with the account and is not refunded.
Except where this policy or the law says otherwise, plan fees already paid are non-refundable, including for a part of a billing period you did not use.
We will refund a plan payment if you were charged twice for the same period, charged after you cancelled, or charged because of an error on our side. Email us within 30 days of the charge.

2. Digital products bought from a creator’s page (for buyers)

When you buy a product on a creator’s page, the creator is the seller of that product and the seller on your invoice. theZio provides the page, collects the payment for the creator as a marketplace (through Razorpay), delivers the file to you and pays the creator. The creator’s page name is shown at checkout, and their support contact is on your receipt and download page; for the seller’s full name and address, email us.

These are digital files delivered the moment payment is confirmed, so a purchase cannot be returned and is not refundable for a change of mind once the file is delivered. You get a full refund if you tell us within 7 days of buying that:

you paid but did not receive the download link, and we cannot deliver it within 48 hours;
the file does not open, is damaged or empty, or is clearly not the product described on the page, and the creator does not fix it within 3 working days;
you were charged more than once for the same product; or
the payment was made without your permission (also tell your bank or card issuer).

A creator may agree to refund in other cases too, in full or in part. A refund goes back to the same card, bank account or method you paid with. When a purchase is refunded in full, its download link stops working. A refund never costs you anything: the creator bears it.

3. How to ask for a refund

Email hello@thezio.co from the email address you bought with (or used for your theZio account), with the product or plan, the date, and the Razorpay payment id if you have it (it starts with pay_).
We reply within 48 hours to confirm we have it.
For a product, we check with the creator and give you a decision within 5 working days.
Once a refund is approved we start it with Razorpay the same working day. Razorpay usually returns the money in 5 to 7 working days; when it reaches your account depends on your bank.

4. Failed or pending payments

If money left your account but the payment failed, you did not buy anything and nothing needs to be refunded by us: Razorpay and your bank return it automatically, usually within 5 to 7 working days. If a payment is confirmed late, your download link is emailed to you as soon as it is confirmed. If it has not arrived within an hour, email us with your payment id.

5. Chargebacks

Please email us before raising a dispute with your bank: most problems are fixed faster that way. If a payment is disputed, we may switch off the download for it while the dispute is open.

6. Complaints and grievance officer

If you are not happy with how a refund or complaint was handled, write to our grievance officer. We acknowledge every complaint within 48 hours and resolve it within one month.

Grievance officer: Puneet Sharma, Founder
Email: hello@thezio.co
Phone: +91 80804 26039
Address: Building No. 2, Shramik CHS, Mumbai, Maharashtra 400068, India