GhostPOV

Payments Policy

How we handle your payment and billing information

Last updated: July 7, 2025

1. Overview

GhostPOV provides a premium service with transparent pricing and secure payment processing. This policy explains our payment terms, billing procedures, accepted payment methods, and refund policies to ensure you understand our financial practices before making any purchases.

All payments are processed through Razorpay’s secure infrastructure. We do not store any payment information on our servers, ensuring your financial data remains protected.

Our Privacy Policy and Terms of Service are incorporated by reference and form an integral part of our payment practices.

2. Accepted Payment Methods

We accept various payment methods through our secure payment processor, Razorpay, to accommodate different preferences and banking systems:

2.1 Credit & Debit Cards

  • Visa credit and debit cards
  • MasterCard credit and debit cards
  • RuPay credit and debit cards
  • All major domestic and international cards

2.2 Digital Payment Methods

  • UPI (PhonePe, Google Pay, Paytm, BHIM)
  • Net Banking from all major banks
  • Mobile wallets (Paytm, PhonePe, Amazon Pay)
  • Buy now, pay later services

3. Pricing Structure

3.1 Premium Plan

GhostPOV offers a one-time premium purchase that provides lifetime access to all premium features. This one-time payment model ensures you pay once and enjoy premium benefits without recurring charges.

Premium features include:

  • AI-powered content insights and intelligent summaries
  • Advanced spam detection and abuse filtering
  • Priority customer support
  • Enhanced privacy controls
  • Access to beta features and early updates

3.2 Add-on Services

Users can purchase additional AI summary credits separately if they exceed their included quota. These credits are available in various packages to suit different usage patterns and requirements.

3.3 Marketing Terms Clarification

“Lifetime” access means for the duration that GhostPOV remains operational and is not a guarantee of perpetual service availability.

“Unlimited” features are subject to fair use policies and reasonable limitations to ensure service stability and prevent abuse.

4. Payment Security

Your payment security is our highest priority. We implement industry-standard security measures to protect your financial information:

  • All payments processed through Razorpay’s PCI DSS compliant infrastructure
  • 256-bit SSL encryption for all payment transactions
  • We never store, access, or handle your payment credentials
  • Two-factor authentication support for enhanced security
  • Regular security audits and compliance monitoring
  • Fraud detection and prevention systems

Razorpay maintains the highest security standards and is trusted by millions of businesses across India. Your payment data is encrypted and protected throughout the entire transaction process.

5. Refund Policy

5.1 No Refunds Policy

All sales are final. We do not offer refunds for any purchases made on GhostPOV, including premium plans and add-on credits.

This policy exists because our premium features provide immediate value and access to AI-powered services that incur costs from the moment they are activated.

5.2 Before You Purchase

We strongly encourage you to thoroughly evaluate our service before making any purchase:

  • Use our free tier to understand the platform and its capabilities
  • Read our Terms of Service and Privacy Policy carefully
  • Contact our support team if you have any questions or concerns
  • Ensure you understand exactly what features are included in your purchase
  • Verify that our service meets your specific needs and requirements

6. Billing & Invoicing

6.1 Tax Information

All prices displayed on GhostPOV are inclusive of applicable taxes as per Indian tax regulations. Goods and Services Tax (GST) will be added where applicable and will be clearly shown during the checkout process.

International customers may be subject to additional taxes or duties imposed by their local jurisdictions, which are not included in our pricing.

6.2 Invoice Delivery

Upon successful payment, you will receive a detailed invoice and payment confirmation via email. This invoice will include:

  • Transaction ID and payment details
  • Itemized breakdown of charges
  • Tax information and GST details
  • Company information and registration details

6.3 Currency Information

All prices are displayed in US Dollar (USD), but payments are handled in Indian Rupees (INR). For international customers, your bank or payment provider will handle currency conversion at prevailing exchange rates, which may include additional conversion fees.

7. Payment Issues & Support

Common Payment Issues

If your payment fails, please check with your bank or payment provider first. Most issues can be resolved quickly by contacting your financial institution.

7.1 Failed Payments

Common causes of payment failures include:

  • Insufficient funds in your account
  • Card or account spending limits exceeded
  • Bank security restrictions or fraud protection
  • Incorrect payment details or expired cards
  • International transaction restrictions
  • Technical issues with payment gateway

We recommend contacting your bank or payment provider first to resolve any payment issues. You can then retry the transaction once the issue is resolved.

7.2 Payment Disputes

For any payment-related issues, billing questions, or disputes, please contact our support team with the following information:

  • Your account email address
  • Transaction ID or payment reference
  • Date and amount of the transaction
  • Description of the issue
  • Screenshots or documentation (if applicable)

7.3 Response Times

We aim to respond to all payment-related queries within 24-48 hours during business days. Complex issues may require additional time for investigation and resolution.

8. Policy Updates and Changes

We may update this Payments Policy from time to time to reflect changes in our services, legal requirements, or business practices. When we make significant changes, we will:

  • Update the “Last updated” date at the top of this policy
  • Notify users via email about material changes
  • Provide notice through our platform interface
  • Maintain transparency about what changes have been made

Continued use of our services after policy updates constitutes acceptance of the revised terms.

9. Data Protection and Privacy

Payment-related data collection and processing is governed by our Privacy Policy, which is incorporated into this Payments Policy by reference.

We collect only the minimum necessary information to process payments and provide our services. Financial data is processed exclusively by our payment processor and is not stored on our servers.

You have rights regarding your personal data as outlined in our Privacy Policy. For payment-specific data inquiries, please contact our support team.

10. Miscellaneous

Governing Law: This Payments Policy is governed by the laws of India, and any disputes will be subject to the exclusive jurisdiction of Indian courts.

Severability: If any provision of this policy is found to be unenforceable, the remaining provisions will continue in full force and effect.

Integration: This policy works in conjunction with our Terms of Service and Privacy Policy to form our complete agreement regarding payments and billing.

11. Contact Information

For payment-related queries, billing questions, technical issues, or general support, please contact us at:

We aim to respond to all inquiries within 24-72 hours during business days.

This Policy is effective as of July 7, 2025.