Refund & Cancellation Policy

20X is billed in tokens: 1 token = ₹3 (about $0.032 at ₹95 / $1). Tokens are a prepaid balance you top up as needed - there is no subscription and nothing to cancel. Unused tokens remain valid for 12 months from the date of purchase.

Because 20X is fully prepaid, you can simply stop topping up - no further charges will occur. To close your account, use Settings → Billing or email billing@20x.business. Any unspent tokens remain usable until their expiry date.

Unused token top-ups may be refunded within 14 days of purchase, provided no tokens from that top-up have been spent.

Spent or expired tokens are non-refundable, except where required by law.

Whitelabel and enterprise contracts follow the refund terms set out in the applicable order form or master services agreement.

Email billing@20x.business from the address associated with your account, including your workspace name and the invoice number. We review refund requests within 5 business days. Approved refunds are issued to the original payment method within 7-10 business days, subject to your bank or card network's processing time.

Consulting engagements, one-time implementation fees, custom development, and third-party pass-through costs (for example model-provider usage, SMS, or telephony) are non-refundable once work has commenced or the cost has been incurred, unless required by law.

Please contact billing@20x.business before initiating a chargeback - we can usually resolve billing questions within 48 hours. Fraudulent chargebacks may result in account suspension.

Nothing in this policy limits statutory consumer rights that apply to you, including EU/UK distance-selling withdrawal rights where applicable.