Terms & Conditions

1. Scope and acceptance

These Terms & Conditions apply to your use of this website and its current Customer and Astrologer features, including public Astrologer profiles, paid Private Chat questions, live voice Calls, live Chat, scheduled Call / Chat bookings, Customer Wallet, recharge offers, reviews, support and published website content. By creating an account or using a paid feature, you agree to follow these terms and the service details and price shown before you submit a request.

These terms do not remove any right or remedy that applicable law gives you. A separate provider's terms apply when you leave SMV ASTRO and use that provider's website or checkout.

2. Accounts and Astrologer approval

Provide accurate account and contact details, keep them current, and protect your sign-in credentials. Do not share passwords or one-time passwords with anyone, including people claiming to provide support. Tell us promptly if you suspect unauthorized access.

Customer and Astrologer accounts have different permissions. Registering as an Astrologer does not itself authorize paid consultations: the account must be approved under the current SMV ASTRO review or qualification settings. Only use the permissions assigned to your own account. We may investigate misuse or restrict access when reasonably necessary, subject to applicable law.

3. Live Calls, Chats, Private Chat and bookings

Customers can review an approved Astrologer's available profile information, languages, availability, published reviews, and displayed per-minute Call and Chat rates. A live request is subject to the Astrologer's availability, acceptance, and successful connection. A Book a Call or Book a Chat request is for a scheduled appointment; it is not confirmed until the booking status shows the required acceptance or confirmation.

Booking status, session status and related Wallet activity are shown in the signed-in Dashboard. Scheduled times, connection and delivery depend on both participants' availability, their devices and network access. Do not attempt to bypass a session's status or billing controls.

Use Calls, Chats, booking and review features respectfully. Do not threaten, harass, deceive, impersonate another person or send unlawful or abusive content. Share another person's personal information only when you have an appropriate basis to do so.

Private Chat written questions

Private Chat is a separate paid written question-and-answer service. It is not a real-time Chat conversation, a live Call or a scheduled Call / Chat booking. It is available to Customer accounts when the feature is enabled and an eligible Astrologer is available in the Astrologer List. The Customer must provide the name, birth date, birth time, birth place, gender and written question requested by the form, review the fixed price displayed, and complete Razorpay checkout. The Private Chat charge is a separate fixed request price; it is not a per-minute rate and is not deducted as a Live Chat session charge from the Customer Wallet. The request is processed after payment verification.

The website currently displays an estimated answer window of 24–48 hours. That window is an estimate, not a guaranteed delivery time. Questions or answers may be reviewed or approved by an Admin according to the active settings. The answer becomes available in Customer Dashboard → Private Chat Questions after the required submission and release or approval steps are complete. Check the Dashboard for the current question, answer and payment status. A rejected question or another eligible refund is handled through the applicable payment/refund process; provider or bank processing times can differ.

Private Chat provides written astrological guidance, not a guaranteed result or professional medical, legal, financial or other advice. Do not submit passwords, OTPs, payment PINs or another person's confidential information. A Private Chat answer is separate from a public review; open and read the answer before using the review option.

4. Rates, Wallet and recharge offers

Call and Chat prices are configured per Astrologer and may differ by mode. Review the rate displayed for the selected Astrologer and the Wallet amount required before starting or booking. SMV ASTRO does not promise one fixed per-minute price for every Astrologer.

Customers may recharge the Wallet through the Razorpay checkout shown on the website. Wallet credit is added after the payment is successfully verified by the service. A payment that is pending, failed or not matched to a Wallet credit should be checked using its transaction reference; do not share card PINs, passwords or one-time passwords with SMV ASTRO support.

Promotional Bonus Credit is added when an active Offer is published, the Customer's verified recharge meets its conditions, and the Offer's validity and per-customer / total usage limits allow the award. The Bonus Credit Amount set in the Admin Offer is credited directly to the Customer's separate Bonus Credit balance after successful recharge verification. At most one matching Offer applies to a recharge. Bonus Credit is a service-use promotion, has no cash-redemption value, and cannot be withdrawn or transferred. For eligible Live Call / Chat use, Bonus Credit is applied before the Original Wallet cash balance. Previously issued Free Minute balances remain separately recorded and are not automatically converted to Bonus Credit. An Offer is not guaranteed to remain available for future recharges.

The Customer Wallet is a service-payment balance, not a bank account, and does not provide a general customer cash-withdrawal feature. Wallet balances, reservations, credits and deductions are reflected in the transaction record.

5. Billing, cancellation and refunds

Connected Live Calls and Chats are settled using the recorded billable duration and the selected Astrologer's applicable per-minute rate. Billing uses whole started minutes: a connected duration greater than zero counts as at least one billable minute, and each additional started minute is billed at the displayed rate. Eligible Bonus Credit is applied first; when it is used up, the Original Wallet cash balance automatically pays the remaining service value without interrupting the session. Astrologer and Admin commission are calculated from the full recorded service value, including any Bonus Credit used. Bonus Credit remains a separate promotional service balance and is not deducted a second time from Admin Earnings.

When a live interaction does not connect, or a scheduled booking is cancelled, rejected or expires before service, the reserved amount is released or reconciled according to the final session or booking status. A reservation release back to Wallet is different from a refund to the original payment method. If a refund is applicable and approved, it is processed through the relevant payment route where supported; provider and bank processing times may differ.

For a missing Wallet credit, duplicate charge, incorrect charge or unresolved session settlement, contact us with the session / booking ID and payment reference. We will review the transaction and status. Disagreement with an Astrologer's opinion does not by itself mean that a consultation was not delivered. Nothing in this section limits an applicable statutory refund or consumer remedy.

6. Astrologer earnings and withdrawals

Eligible Astrologer earnings are calculated from completed billable sessions using the commission settings applicable to the relevant transaction. The current earning and payout status is shown in the Astrologer's Dashboard. Commission percentages and platform settings may be changed by SMV ASTRO for eligible future transactions; a transaction is settled according to its recorded settings.

Astrologer withdrawal requests are subject to the current minimum request amount of ₹300, a seven-day cooldown after the last withdrawal request, available eligible earnings, any applicable earnings lock, account verification, payout details and Admin processing. A submitted request is not a guarantee of immediate payment; its status is shown in the Dashboard.

7. Acceptable use and reviews

Do not use the site to interfere with its operation, bypass access controls, access another user's account or private information, submit unlawful content, or manipulate ratings or reviews. Reviews may be moderated before publication. Do not publish another person's private consultation or confidential information without permission.

Website text, images, branding and other materials may be protected by intellectual-property rights. Personal access to a service does not grant permission to copy, resell or commercially reproduce its materials.

8. Nature of astrology guidance

Astrology and an Astrologer's interpretation are traditional guidance, not guarantees of a future event, benefit or result. Accuracy can depend on the information supplied by the Customer and the details shown by the service. You remain responsible for your decisions.

Do not use an astrology result as a substitute for qualified medical, legal, financial, mental-health or other professional advice, or delay urgent professional assistance because of an astrological interpretation.

9. Privacy and third-party services

Personal information, including Private Chat questions, birth details and written answers, is handled as described in the Privacy Policy. Information required for an account, a Private Chat request, a booking, a Call / Chat, a Wallet transaction, a review or a support request may be processed to provide and protect that feature.

Razorpay processes payment checkout. Sign-in, hosting, databases and other infrastructure providers may process information needed for their functions. SMV ASTRO may also link to separately operated services, including a product store or related astrology service; their own terms and privacy notices apply when you use them.

10. Availability, responsibility and disputes

We aim to operate the service as described, but cannot guarantee uninterrupted access, continuous network quality, an Astrologer's availability or a particular consultation outcome. Any limitation of responsibility applies only to the extent permitted by law and does not exclude rights or obligations that cannot lawfully be excluded.

For a complaint, first contact the service team with a clear explanation and the related account, session, booking or payment reference. These terms are governed by applicable Indian law without taking away access to a consumer forum or other authority available under that law.

11. Changes and contact

We may update these terms when service features or operating practices change. The date at the top identifies the published version. Changes do not retrospectively remove rights attached to an already completed transaction.