Terms of Use

Grahyog (the website grahyog.com and our mobile apps) is run by GrahYog Consultancy ("we", "us"). Grahyog is a marketplace where you can talk to astrologers by chat, phone call or video, and pay for the minutes you use from a prepaid wallet.

By creating an account, recharging your wallet or starting a consultation you accept these Terms of Use and our Privacy Policy. If you do not agree, please do not use Grahyog.

Paid consultations are for people who are 18 years or older. When you start, you confirm that you are an adult and that you can enter into a binding agreement under Indian law. If we find an account belongs to a minor, we may close it.

• You sign in with your mobile number and a one-time code that we send by SMS (or by WhatsApp, where we offer it). Give us a number that is yours.
• Keep your phone and the codes you receive to yourself. You are responsible for what happens under your account. Tell us at once if you think someone else is using it.
• One person, one account for each role. A person who is both a customer and an astrologer uses two accounts.
• Give correct information, including your birth details when you ask for a chart. Wrong details give wrong results.

The astrologers on Grahyog are independent professionals. They are not our employees. We check who they are before they are listed (identity and bank details), but we do not control what they say and we cannot promise that any prediction or remedy will be accurate or will work.

Astrology is guidance, not a guarantee. Nothing said on Grahyog is medical, legal, financial or psychological advice. Do not delay or skip professional advice because of what you hear here, and do not make major life or money decisions only on an astrologer's word. If you are in distress or danger, contact a doctor, a counsellor or the emergency services.

• Recharge packs. You add money to your wallet by buying one of the recharge packs shown in the app. Payment is taken by our payment partner; we never see or store your card, UPI or bank details.
• Taxes. GST (currently 18%) is added to the price of a recharge. For example, you pay ₹118 for ₹100 in your wallet. The wallet shows the amount before GST.
• Bonus. A pack or offer may add bonus money to your wallet. Bonus money can only be spent on consultations and is not refundable. When you spend, cash is used first and bonus second.
• Prices. Each astrologer's price per minute is shown before you start. We may change prices; a change does not affect a consultation that has already started.
• Closed wallet. Your wallet is only for spending on Grahyog. It cannot be withdrawn as cash or transferred to another person, and it is not a bank account or a payment instrument.
• Offers and codes. Offers, coupon codes and vouchers have their own conditions (for example who can use them, for how long, and how often). One offer applies to each recharge. We may withdraw an offer that is misused.
• Gifts. You can send an astrologer a gift from your wallet. A gift is final once sent.

• A consultation can be by chat, phone call or video. An astrologer takes one consultation at a time, so a request may have to wait.
• Billing is per minute, and each minute is charged when it starts. A minute you have started is charged in full. Billing begins when the consultation starts (for chat and video, when the astrologer accepts; for a phone call, when both of you are on the line) and stops when it ends.
• You need enough balance for the first minutes before a consultation can start. If your balance cannot pay the next minute during a chat or video, the consultation pauses for a short time so you can recharge, and then carries on. A phone call ends when the balance runs out.
• Either of you can end a consultation at any time. We may end one that breaks these terms.
• If an astrologer does not accept in time, or a call cannot be connected, you are not charged for it.
• Phone calls go through a calling partner. Each of you sees a Grahyog number, not the other person's own number. Do not try to find out or share personal numbers, and do not take the conversation off Grahyog to avoid paying.

Phone calls are recorded for quality, safety and to settle disputes. You are asked to agree to this before your first call, and the call screen shows when a call is being recorded. The astrologers agree to it too.

You and the astrologer on a call can listen to the recording of your own call from your account after it ends. Our review team can listen to it when needed to handle a complaint, a dispute or a safety concern; each such access is logged. Recordings are kept in our records; see the Privacy Policy for how long.

Chats and their voice notes and pictures are also kept as a record of the consultation. Do not record or share a consultation, or anything an astrologer sends you, with anyone else without their permission.

• Where a refund goes. A refund is returned to your Grahyog wallet. We do not refund wallet money to your bank account or card, except where the law requires it.
• Problems with a consultation. If a consultation went wrong (for example it was cut off, the astrologer did not take part properly, or you were charged by mistake), contact us (see section 16) within a reasonable time, with the consultation date and what went wrong. We look at the record of the consultation and decide. We may refund all or part of the charge, and the refund can include bonus money that the consultation used.
• Not a reason for a refund. A prediction that did not come true, or an answer you did not like, is not a reason for a refund. Time already used in a consultation that worked normally is not refunded.
• Failed payments. If money left your account but your wallet was not credited, we credit it as soon as our payment partner confirms the payment. If the payment failed, the money is returned to you by the payment partner and your bank in their usual time. Contact us if it is still missing after that.
• Wallet balance and bonus do not give you a right to a cash refund when you close your account.

You may leave a review after a paid consultation. It is shown with your name and photo (you can choose to appear as "Anonymous"), never your phone number. We may hold back or remove a review that contains phone numbers, links or e-mail addresses, abuse or false statements.

What you write in a review, a chat or a support request stays yours. You allow us to store it, show it as described here and use it to run and improve the service and to resolve disputes.

You agree not to:

• harass, threaten, abuse or discriminate against anyone, or send sexual, hateful or unlawful content;
• ask an astrologer for, or offer, illegal acts, black magic to harm someone, or anything that breaks the law;
• pretend to be someone else, or use another person's account, phone number or payment method;
• misuse offers, coupons, referrals or refunds, or create several accounts to do so;
• try to break, overload or get around the security of Grahyog, or collect data from it by automated means;
• use Grahyog for anything other than your own personal use.

We may warn you, hold a refund, block an account or remove content that breaks these rules, and we may report unlawful behaviour to the authorities.

The Grahyog name, logo, design, software and content (other than what you and the astrologers write) belong to GrahYog Consultancy or its licensors. You may use them only to use the service. Do not copy, resell or reverse-engineer them.

We work to keep Grahyog running and safe, but we provide it "as is". We cannot promise that it will always be available, error-free or secure, or that an astrologer will be available when you want one.

To the extent the law allows, we are not responsible for decisions you take because of what an astrologer says, or for losses that were not a foreseeable result of our own fault. Our total responsibility to you for any claim about the service is limited to the amount you paid us in the three months before the claim. Nothing in these terms limits a right you have as a consumer under Indian law, or our responsibility for fraud or for anything the law does not allow us to limit.

You can delete your account from your profile. Some records are kept after that, such as payment and tax records, and the records of consultations (see the Privacy Policy). Spend or use your wallet balance first: unspent balance cannot be paid out in cash.

We may suspend or close an account that breaks these terms, is used for fraud, or that the law or an authority requires us to close. We will tell you why where we can.

We may update these terms, for example when we add a feature or the law changes. We will change the date at the top and, for a change that matters to you, ask you to accept the new terms before you carry on. Using Grahyog after a change means you accept it.

These terms are governed by the laws of India. Please contact us first about any problem; most are settled that way. If we cannot settle it, the courts in India that have jurisdiction can decide it. This does not take away any right you have to approach a consumer forum.

• GrahYog Consultancy