Lead Credits & Refund Policy

What a lead credit is

A lead credit lets a supplier accept one validated buyer enquiry shared by PharmaKhoj. Before accepting, you see the business need, therapies, location, budget range and timeline. When you accept, one credit is used and the buyer's name, business name, mobile number, email and preferred call time are revealed to you.

Declining a lead, letting it expire, or a lead being withdrawn before you accept it does not use a credit.

Yearly plan credits

Every plan includes a yearly allowance of lead credits that becomes available when the plan year starts. Free-plan credits are renewed each plan year while the free account remains active. Plan credits are valid until the end of the plan year in which they were granted and do not carry forward to the next year.

If you upgrade, the new plan's credits are added from the upgrade date, and any unused credits from your earlier plan stay usable until their original expiry.

Lead Booster top-ups

If you are on a paid plan and your credits run out before the year ends, you can buy a Lead Booster top-up at any time. Free-plan accounts can upgrade to a paid plan to get more credits. Top-up credits, including any bonus credits, are added after payment is confirmed and are valid for the number of days shown at purchase (365 days unless stated otherwise).

Credits are always used in order of earliest expiry, so the credits closest to expiring are spent first.

Credit returns for invalid leads

If a lead you accepted turns out to be invalid — for example a wrong or unreachable number, a duplicate of a lead you already received, or contact details that do not belong to the enquirer — raise a dispute from the lead within 7 days of accepting it. If our team upholds the dispute, the credit is returned to the bucket it came from (it keeps its original expiry). A lead is not invalid merely because the buyer chose another supplier, negotiated, or did not convert.

No guarantee of volume

The number of enquiries depends on genuine buyer demand for your therapies, locations and offer. Credits are a maximum you can use, not a promise that a particular number of leads will be shared with you in any period. Unused credits that expire are not refunded or extended, except where a law requires otherwise or we decide to offer a goodwill extension.

Refunds

Plan and top-up fees are payable in advance and are generally non-refundable once the plan or credits are activated. We will refund or adjust the amount if you were charged twice, charged an incorrect amount, or paid but the plan or credits were never activated — tell us within 30 days of the payment.

If we close your account because of our own error, or discontinue a paid feature during your plan year, we will offer a pro-rata refund or equivalent credit. Approved refunds are made to the original payment method within 7–10 working days, after deduction of any non-refundable payment-gateway charges.

Taxes and invoices

Prices are shown before GST, which is added at the applicable rate. A tax invoice is available in your supplier dashboard for every payment.

Misuse

Credits are tied to your company account and cannot be sold, transferred or exchanged for cash. We may cancel credits obtained by fraud, payment reversal or chargeback, or used in breach of the Terms & Conditions.