Payment Policy

1. Coins

Hichkola may use a coin-based payment system for certain Platform features.

Coins are digital usage units intended for use within Hichkola and do not represent cash, deposits, securities or ownership in Hichkola.

2. Purchase

Users may purchase coins through payment methods made available by Hichkola and its authorised payment providers.

Available payment options may include UPI and other supported payment methods.

3. Use of Coins

Coins may be used only for eligible Hichkola services and features.

Coins cannot be transferred or exchanged for cash unless Hichkola expressly provides such functionality.

4. Voice Calls and Messaging

Where applicable, coins may be consumed for voice calls or other paid communication features according to the pricing displayed on the Platform.

The applicable rate should be displayed before or during use where technically applicable.

5. Payment Confirmation

A transaction is considered completed when the applicable payment system confirms successful payment.

6. Failed Transactions

If payment is deducted but the purchased service/coins are not credited, users should contact Hichkola support with the relevant transaction details.

7. Refunds

Coins are generally non-refundable once successfully credited or used, except where a refund is required under applicable law, payment-provider rules or where Hichkola determines that a transaction was incorrectly processed.

8. Payment Security

Payments may be processed through authorised third-party payment providers. Users should not share payment passwords, PINs, OTPs or other sensitive authentication information with any person claiming to represent Hichkola.

9. Pricing Changes

Hichkola may change pricing, coin packages or applicable charges. The price displayed at the time of purchase will apply to that transaction, subject to applicable law.