Effective Date: 30 July 2025
Last Updated: 30 July 2025
This Payment & Refund Policy explains how Minds Journal Private Limited, the company behind The Minds Journal, handles payments, subscriptions, purchases, billing, and refunds for any current or future paid services offered through our website, subdomains, community platforms, mobile applications, or related services.
This may include, where applicable:
- premium memberships
- digital downloads
- paid reports or products
- in-app purchases
- virtual credits or paid features
- subscriptions or recurring plans
- other paid services introduced in the future
The official website of The Minds Journal is themindsjournal.com.
For more about our platform, mission, and publishing ecosystem, please visit About The Minds Journal.
By purchasing, subscribing to, or accessing a paid service, you agree to this Policy, our Terms & Conditions, and where relevant, our Mobile App EULA.
Please note: some subscription-based offerings described below may be future-facing. Where paid plans are not yet live, this Policy sets out the framework that will apply when such offerings are launched. Specific pricing, billing intervals, features, and checkout disclosures will always be shown before payment is completed.
Payment Policy at a Glance
- Prices will be shown at checkout before you pay.
- Local currency may be displayed where technically feasible, otherwise INR may be used.
- Taxes may be included where required by law unless otherwise stated at checkout.
- Future subscriptions may renew automatically unless canceled.
- Refunds depend on the type of purchase, the delivery status of digital content, technical issues, store-provider rules, and applicable law.
- App-store purchases may be subject to Apple or Google billing and refund rules.
- Virtual points or credits generally have no cash value and are usually non-refundable unless law requires otherwise.
1. Who We Are
The Minds Journal is a global digital publishing platform focused on mental health, psychology, relationships, emotional wellness, and personal growth. It is operated by Minds Journal Private Limited.
This Policy applies to paid services offered by Minds Journal Private Limited through The Minds Journal and related parts of its broader platform ecosystem, including where relevant:
- themindsjournal.com
- MindTalk Hub at community.themindsjournal.com
- future mobile applications
- affiliated platform offerings, digital products, or subscription services operated by Minds Journal Private Limited
2. Pricing and Taxes
All pricing for paid services will be displayed at checkout before payment is completed.
Where technically feasible, prices may be shown in your local currency. Otherwise, prices may be displayed in Indian Rupees (INR) or another clearly stated currency.
Unless the checkout page states otherwise:
- applicable taxes may be included where required by law
- exchange rates are determined by your payment provider, bank, or app store
- additional bank, conversion, or transaction fees may be charged by third-party providers outside our control
We reserve the right to update pricing for future products, subscriptions, or paid services, subject to any notice requirements under applicable law.
3. Accepted Payment Methods
Depending on the platform and offering, payment methods may include processors and channels such as:
Website Checkout
May include providers such as:
- Razorpay
- PayPal
- Stripe
- other supported payment gateways
Supported methods may include:
- credit or debit cards
- UPI
- net banking
- wallets
- other payment methods shown at checkout
Android Applications
Where applicable, purchases may be processed through Google Play Billing using the payment methods supported by Google Play.
iOS Applications
Where applicable, purchases may be processed through Apple In-App Purchase using the payment methods supported by Apple.
Available processors and methods may change over time. The checkout or app-store flow will display the currently supported payment methods at the time of purchase.
We do not store full payment card numbers on our servers.
4. Subscriptions and Auto-Renewal
Some future paid offerings may be subscription-based.
Where subscriptions are offered:
- each plan will clearly state the price, billing interval, included features, and any introductory terms before purchase
- unless otherwise stated, subscriptions may renew automatically at the end of each billing cycle
- you may cancel a subscription before renewal through the relevant account settings, billing dashboard, or app-store subscription settings
- cancellation prevents future billing but does not usually terminate access for the portion of the term already paid for
If subscription pricing changes for existing subscribers, we will provide notice where required by applicable law before the new price takes effect.
Continued use after a valid pricing change takes effect may constitute acceptance of the new price, subject to applicable law.
5. Free Trials, Introductory Offers, and Promotions
We may occasionally offer:
- free trials
- limited-time introductory pricing
- promotional discounts
- coupons
- launch offers
- beta access pricing
Where such offers apply:
- the terms of the offer will be shown before checkout
- free trials may convert to paid subscriptions unless canceled before the trial ends
- promotional pricing applies only for the stated duration, quantity, or eligible use
- after a valid introductory period ends, standard pricing may apply unless otherwise stated
6. Refund Policy
Because many of our products and services may involve digital content, immediate access, or platform-based delivery, refund eligibility depends on the nature of the purchase, whether the content has already been accessed, and what rights apply under local law.
Accidental or Duplicate Charges
If you believe you were charged accidentally or charged more than once for the same transaction, contact:
For website-based transactions, contact us as soon as possible and preferably within 48 hours of the charge.
Where a duplicate or accidental charge is verified, a full refund may be issued.
Technical Issues That Prevent Access
If a technical issue prevents you from accessing a paid service, product, or feature, please contact us first so we can investigate and attempt to resolve the problem.
If the issue cannot be reasonably resolved, we may provide:
- a refund
- a pro-rated refund
- account credit
- replacement access
- another reasonable remedy, depending on the situation
Change of Mind
Unless otherwise required by law, digital products, downloadable content, or paid digital access that has already been accessed, delivered, or substantially consumed is generally non-refundable.
EU / UK Withdrawal Rights
Where applicable consumer laws provide a withdrawal or cooling-off period, such rights may apply unless:
- the digital content or digital service has already been fully delivered
- you expressly consented to immediate access or performance
- you acknowledged that doing so may waive your withdrawal right, where allowed by law
App Store Purchases
Purchases made through Google Play or the Apple App Store may be governed by the refund rules and billing systems of those providers.
In such cases, refund requests may need to be submitted through the relevant app-store process.
7. Virtual Currency, Points, and Credits
Where offered, virtual points, credits, badges, or similar digital recognition or platform value systems:
- have no cash value unless explicitly stated otherwise
- are non-transferable
- are generally non-refundable
- may be revoked, reset, modified, or discontinued in accordance with our platform rules and applicable law
Refunds or conversion to money will not be offered unless required by law.
8. Chargebacks and Payment Disputes
If you believe there is a billing error or payment issue, please contact us first at:
Many billing issues can be resolved quickly without the need for a formal dispute.
If a chargeback is initiated without valid cause, or while access to a paid service is still being used, we may suspend or restrict access to related paid services until the matter is resolved.
Nothing in this section limits any legal rights you may have under applicable payment, banking, or consumer protection law.
9. Platform-Specific Paid Services
Certain paid products or digital services offered through affiliated platforms operated by Minds Journal Private Limited, including CosmicCalling.com, may be governed by separate platform-specific payment, refund, subscription, or digital delivery terms. Where such separate terms apply, those platform-specific terms will govern the relevant purchase in addition to any general provisions set out here.
10. Future Changes to This Policy
We may update this Payment & Refund Policy from time to time to reflect changes in:
- payment processors
- product offerings
- subscription models
- consumer protection requirements
- tax rules
- business operations
- legal obligations
Where material changes are made, we may provide notice in advance through one or more of the following:
- website notice
- in-app notice
- updated policy page
The “Last Updated” date at the top of this page reflects the latest revision.
11. Contact
For billing, payment, or refund-related questions, contact:
Email: [email protected]
Postal Address:
Minds Journal Private Limited
Module 18, Floor 14, Bengal Eco Intelligent Park, EM 3, Sector 5, Salt Lake City, Kolkata 700091, India
About The Minds Journal
The Minds Journal is the flagship digital publishing platform of Minds Journal Private Limited, focused on mental health, psychology, relationships, emotional wellness, and personal growth.
Our broader ecosystem also includes MindTalk Hub, Mind Help, Mind Family, and CosmicCalling.com.
Learn more on our About The Minds Journal page.
Frequently Asked Questions
What is The Minds Journal Payment & Refund Policy?
The Payment & Refund Policy explains how Minds Journal Private Limited handles payments, future subscriptions, billing, and refunds for paid services offered through The Minds Journal and related platforms.
Who operates paid services offered through The Minds Journal?
Paid services offered through The Minds Journal are operated by Minds Journal Private Limited.
Are subscriptions already live?
Not necessarily. Some parts of this Policy are future-facing and describe the billing framework that will apply when subscription or paid plans are introduced.
Can I get a refund for accidental charges?
Yes. If you believe you were charged accidentally or more than once, contact [email protected] as soon as possible so the transaction can be reviewed.
Are digital products refundable?
In general, digital products or services that have already been accessed, delivered, or consumed are not refundable unless required by law or a technical access issue justifies another remedy.
Do app-store purchases follow the same refund process?
App-store purchases may be subject to the billing and refund rules of Google Play or the Apple App Store, and refund requests may need to be made through those platforms.