Refund & Cancellation Policy

Last updated: 27 July 2026

1. What you are paying for

On Minuto you pay for live consultation time with an expert, bought in blocks of 15, 30 or 60 minutes at the expert's posted rate. Payments are collected by Minuto through Razorpay and settled to the expert after our commission.

Because you always speak to the expert during the free minutes before any payment is taken, you are never paying for something you have not sampled.

2. Free minutes

Every expert offers introductory free minutes (typically 3 to 10). These are completely free. No payment details are collected to start a call. When the countdown reaches 0:00 the call simply pauses. You can hang up at that point and pay nothing at all. There is no charge, no cancellation fee, and nothing to refund.

3. How paid time is used

When you buy a block, the call resumes immediately and the time is consumed in real time as you talk. The timer runs on Minuto's servers, not on your phone, so the record of how much time you actually used is accurate and identical for both sides.

Once a block has been fully used in conversation, it is not refundable — the expert has delivered the service.

4. If the call drops in the middle of a paid block

A dropped connection does not cost you your minutes. Because timing is held on our servers:

• Reopen the same call link. Both of you rejoin the same call and continue from where you left off, with the unused time intact.
• You are never charged twice for the same block.

If the call genuinely cannot be resumed — for example the expert has gone offline, or a technical fault on our side prevents reconnection — write to us and we will refund the unused portion of the paid block. See section 7 for how to ask.

5. If the expert does not answer, or leaves early

• Expert never joined after you paid — full refund of that payment.
• Expert ended the call before the paid time was used — refund of the unused time, unless they ended it because of abusive or unlawful conduct on the call.
• Expert was unreachable, silent, or clearly not delivering the consultation — we will review the call record and refund in full or in part.

Where an expert failed to deliver, Minuto may refund the client at its discretion and recover the amount from the expert's wallet balance or set it against their future payouts.

6. If you end the call before your paid time is used

You can hang up whenever you like. If you end a call with a meaningful amount of paid time unused — because your question was answered quickly, or something came up — tell us within 7 days. We will look at the call record and, in most genuine cases, refund the unused whole minutes. This is assessed case by case; very small remainders (under one minute) are not refunded.

7. How to request a refund

Email info@riocloudsolutions.com within 7 days of the call, from the email address on your Minuto account, and include:

• The date and approximate time of the call
• The expert's name or profile link
• The Razorpay payment ID or order ID from your payment confirmation email
• What went wrong, in a sentence or two

We will acknowledge your request within 2 working days and give you a decision within 7 working days. If we need to hear from the expert first, we will tell you and keep you updated.

8. How refunds are paid back

• Approved refunds are returned to the original payment method through Razorpay — the same UPI ID, card or bank account you paid from.
• We cannot refund to a different account, in cash, or as store credit.
• Once we initiate the refund, the money typically reaches you in 5 to 7 working days. UPI refunds are often faster. The final timing depends on your bank or card issuer and is outside our control.
• We will email you the refund reference when it is initiated.
• Refunds are made in Indian Rupees for the amount paid. Any bank or foreign exchange charges applied by your own bank are not refundable by us.

9. What is not refundable

• Paid time you actually spent talking to the expert.
• Dissatisfaction with the opinion or advice given — you are paying for the expert's time and attention, not for a particular answer or a particular outcome.
• An outcome that did not go your way after you followed advice. Minuto does not provide professional advice and does not verify the correctness of advice given by experts.
• Problems caused by your own device, microphone, browser or internet connection while the expert was present and available.
• Calls where you were abusive, threatening or used the platform for a prohibited purpose under our Terms of Service.
• Requests made more than 7 days after the call, unless there are exceptional circumstances.

10. Cancellations

Minuto calls are on demand — there is nothing to book and therefore nothing to cancel. There are no cancellation charges.

• You can end a call at any moment, during free or paid time.
• Choosing not to pay when the call pauses costs you nothing.
• Asking to be notified when an offline expert comes online costs nothing and can be ignored.
• Minuto does not charge subscription or listing fees, so there is nothing to cancel on the expert side either. Experts can stop taking calls or close their account at any time.

11. Effect on the expert

If we refund a client, the corresponding amount is reversed from the expert's wallet, or adjusted against their next payout if it has already been credited. Our commission on a refunded call is reversed too. Repeated refund claims against the same expert may lead to review or suspension of their account.

12. Chargebacks

Please contact us before raising a chargeback with your bank — we can usually resolve it faster. If a chargeback is raised, we will share the call and payment records with Razorpay and your bank as evidence, and the account may be suspended while the case is open.

13. Contact

Refunds and billing: info@riocloudsolutions.com
Unresolved complaints go to our Grievance Officer — see the Contact page.