COSMX

Pricing Policy

1. Introduction

This Pricing Policy governs all services offered by Guides on our platform, including 1:1 Sessions, Journeys (multi-session packages), and Masterclasses, and subscriptions to cosmx Intelligence offered by us directly (Section 8). Prices for Guide services are exclusive of applicable taxes. cosmx Intelligence subscription prices are stated in Section 8.

1:1 Sessions

  • Available Durations: 15, 30, and 60 minutes.
  • Base Pricing (starts at INR 499 and shall vary as per the Guide's personal tariff):
  • 15 minutes: Minimum INR 499 (exclusive of GST).
  • 30 minutes: Calculated at a 10% discount on the equivalent 15-minute rate.
  • 60 minutes: Calculated at a 20% discount on the equivalent 15-minute rate.
  • Guide Pricing Flexibility: Every Guide must offer all three duration options. Guides may set their prices at or above the minimum base rate. The discounted structure (10% for 30 min, 20% for 60 min) will automatically apply.

Example (Base Rate INR 499 for 15 min):

  • 15 min = INR 499
  • 30 min = (2 x 499) - 10% = INR 898 approx.
  • 60 min = (4 x 499) - 20% = INR 1,597 approx.

Journeys (1:1 Multi-Session Packages)

  • Available Formats: Sets of 3, 4, or 5 sessions.
  • Session Length Options: 30 minutes or 60 minutes each.
  • Pricing Calculations: Based on the discounted session rate applicable (30 min = 10% discount, 60 min = 20% discount). A further 10% discount is applied on the total aggregate price of the package.
  • Validity: All Journey packages must be completed within 60 days of the start date, including any rescheduling.

Example (Base Rate INR 499):

  • 30 min Journey of 3 sessions: (3 x 898) - 10% = INR 2,424 approx.
  • 60 min Journey of 5 sessions: (5 x 1,597) - 10% = INR 7,187 approx.

Masterclasses (Group Sessions)

  • Format: Group learning with up to 10 attendees.
  • Duration: Fixed at 60 minutes.
  • Base Pricing starts at INR 99 per attendee (exclusive of GST) and shall vary as per the Guide's personal tariff.
  • Guide Moderation Rights: Guides can mute, block, or remove disruptive participants to maintain a safe and productive learning environment.

2. General Terms

2.1 All prices displayed on the website for Guide services are exclusive of applicable taxes. cosmx Intelligence subscription prices are as stated in Section 8.

2.2 Guides setting prices must adhere to the discount framework specified above.

2.3 The platform reserves the right to review, revise, or update this pricing structure at its discretion.

2.4 Any such changes will not affect confirmed and booked Sessions, Journeys, or Masterclasses, or a cosmx Intelligence subscription period already paid for.

3. Reschedule, Cancellation and Refund Policy: Rescheduling

3.1 Rescheduling is unlimited with more than 48 hours' notice before the session or journey start.

3.2 Within 24 to 48 hours of session start, only one reschedule is allowed per seeker. Additional requests forfeit the full booking amount.

3.3 No rescheduling within 24 hours of the session. Guide cannot reschedule in any window.

4. Cancellation Policy

4.1 Seeker cancels (more than 48 hr): No penalty, full refund, unlimited changes per session and journey.

4.2 Guide cancels (more than 48 hr): No penalty, unlimited rescheduling, session must occur if any seeker attends.

4.3 Seeker cancels (24 to 48 hr): 50% refund to seeker, 50% paid to guide. Only one reschedule allowed per session and journey; subsequent cancellation forfeits full booking.

4.4 Guide cancels (24 to 48 hr): Seekers receive full refund, guide pays full amount, and is penalized 100% of list price from payout wallet. No rescheduling allowed for guide; session continues with any seeker.

4.5 Seeker cancels (less than 24 hr): No refund; guide paid as if session occurred. No rescheduling. Full value forfeited for cancelled sessions per-session.

4.6 Guide cancels (less than 24 hr): Guide pays full value, penalized 100% list price from payout wallet. Coins/credits issued to seekers if guide is at fault.

5. No-show Policy

5.1 Guide no-show: 2-minute grace period, seekers get full refund in coins, guide forfeits fee, 100% penalty from guide's payout wallet.

5.2 Seeker no-show: 5-minute grace period, guide is paid, seeker receives no refund unless at least one seeker joins; applies per session in journey.

6. Refund Mechanism

6.1 Refunds are issued pro-rata to the wallet immediately, and to the original payment source within 14 days if required.

6.2 Penalties and deductions are processed automatically based on timing and reason for cancellation/no-show.

6.3 Coins/credits issued to seekers if fault lies with the guide.

6.4 Sections 3 to 6 apply to Guide services only. Refunds for cosmx Intelligence subscriptions are covered in Section 8.

7. Special Notes

7.1 For journey bookings (multi-session), the above logic applies per session.

7.2 Sessions proceed if at least one seeker shows up, regardless of cancellations by others.

7.3 All rescheduling/cancellation requests must be made in writing or through the official portal.

7.4 The guide cannot reschedule at any time, only seekers may request rescheduling as permitted above.

7.5 Cancellation/no-show policies are enforced strictly and are non-negotiable outside of extenuating circumstances.

8. cosmx Intelligence

8.1 Free daily window. Every Seeker gets 15 minutes of cosmx Intelligence each day at no charge. The window resets daily and unused time does not carry over. Time spent chatting and listening to audio within cosmx Intelligence counts towards the window. When the window ends, chat is paused until the next reset or until you subscribe. We may change the length of the free window from time to time.

8.2 Plans. Extended access is available on the following plans: Monthly at INR 99 and Annual at INR 499, each plus applicable GST. The final price including taxes is shown at checkout, and is the price you pay. We may run introductory offers from time to time, on the terms shown with the offer.

8.3 Fair use. Extended access means access beyond the free daily window, subject to fair use and any limits we may apply from time to time. We may apply reasonable limits to prevent automated, abusive or commercial use, or to protect the service for everyone.

8.4 Billing and renewal. Subscriptions are billed through our payment gateway partner, or through Google Play or the Apple App Store, depending on where and how you purchase. Subscriptions are currently for a fixed period and do not renew automatically unless the checkout clearly says so. If we introduce automatic renewal, we will tell you before it applies to you, take any consent required under applicable payment regulations, and you will be able to cancel renewal through the same channel you purchased from. Before any automatic renewal begins, we will update this Pricing Policy and bring the change expressly to your notice. For purchases made through an app store, billing, renewal and cancellation are also subject to that store's terms.

8.5 Cancellation. If your subscription renews automatically, you can cancel renewal at any time through the channel you purchased from (your app store subscription settings or as shown in the app). Cancellation stops future renewals. You keep extended access until the end of the period you have paid for, after which the free daily window applies again.

8.6 Refunds. Subscription fees are not refundable for partly used periods, except where required by law, where we are unable to provide cosmx Intelligence for a substantial part of a paid period for reasons within our control, or as allowed by the applicable app store's refund policy. Refunds for purchases made through an app store are processed by that store.

8.7 Price changes. We may change subscription prices from time to time by giving notice in the app or on the website. A change will not affect a period you have already paid for. If you do not agree, you can choose not to renew or purchase again.

8.8 What is included. A subscription covers cosmx Intelligence only. It does not include Guide Sessions, Journeys or Masterclasses, which are priced separately above. A subscription is personal to you and cannot be transferred.

8.9 When a subscription ends. If your subscription ends or is cancelled, you return to the free daily window. Your data is handled as described in the Privacy Policy.

8.10 Crisis support. If you are in distress, please contact emergency services (112) or Tele MANAS (14416 or 1-800-891-4416). These numbers are free and do not depend on your cosmx Intelligence window or plan.