This Payment, Subscription, Coins & Refund Policy (“Payment Policy”) governs all payments, subscriptions, premium services, coins, credits, paid content and related transactions made through the Audiolly platform (“Audiolly”, “Platform”, “Service”, “we”, “us” or “our”).

Audiolly is operated by RED EMBER MEDIA HOUSE PRIVATE LIMITED, a company incorporated under the laws of India.

By purchasing, subscribing to, or otherwise using any paid feature or service on Audiolly, you agree to this Payment Policy and the applicable Audiolly Terms & Conditions.

Audiolly may offer certain content and features on a paid basis, including but not limited to:

• Premium or subscription-based content;
• Individual episodes or stories;
• Audiolly Coins or Credits;
• Exclusive audio series;
• Special content or features;
• Promotional or bundled offers; and
• Other digital products or services introduced by Audiolly from time to time.

Audiolly may offer free, advertising-supported, subscription-based, pay-per-content, coin-based or other payment models.

The availability of a particular payment model may vary depending on the user’s location, device, platform, promotional offer or other applicable conditions.

To make a purchase or subscribe to a paid service, you must:

• 1. have the legal capacity to enter into a transaction under applicable law; and
• 2. provide accurate and complete payment information where required.

If you are a minor, any purchase must be made or expressly authorised by your parent or legal guardian.

You are responsible for all purchases made through your Audiolly account, except where the transaction is proven to have resulted from an unauthorised transaction or a technical error attributable to Audiolly or its authorised payment provider.

All prices displayed on Audiolly will be communicated before you complete a transaction.

Prices may vary depending on:

• Subscription plan;
• Content or package selected;
• Promotional offers;
• User location;
• Platform or payment method;
• Applicable taxes; and
• Other commercial considerations.

Unless otherwise stated, applicable taxes, including GST or other legally applicable taxes, may be included in or added to the displayed price as required by law.

Audiolly reserves the right to introduce, modify, increase, reduce, discontinue or otherwise change prices at any time.

Any change to an existing recurring subscription price will be communicated in accordance with applicable law and applicable platform/payment-provider requirements.

Audiolly may accept payments through payment methods made available through the Platform, including:

• Credit cards;
• Debit cards;
• UPI;
• Net banking;
• Digital wallets;
• App-store or platform billing;
• Payment gateways; and
• Other payment methods supported by Audiolly from time to time.

Payments may be processed through authorised third-party payment service providers.

Audiolly does not ordinarily store complete card, banking or other sensitive payment credentials. Payment information may be processed by authorised payment service providers in accordance with their respective terms and privacy policies.

You are responsible for ensuring that you have the legal right to use the payment method submitted for a transaction.

By confirming a transaction, you authorise Audiolly and/or its authorised payment service provider to charge the selected payment method for the applicable amount.

A transaction may require additional authentication or verification, including OTP, UPI authentication, bank verification or other security measures.

A payment is considered successful only after confirmation is received from the relevant payment provider or platform.

If a payment is debited from your account but the corresponding Audiolly service is not activated, you should contact Audiolly support with the transaction details.

Audiolly may offer monthly, quarterly, annual or other subscription plans.

Each subscription plan may provide access to specified benefits, premium content or features during the applicable subscription period.

The exact benefits, duration, price and limitations of each plan will be displayed before purchase.

Audiolly does not guarantee that every item of content will remain available throughout the entire subscription period. Content may be added, removed, replaced or modified subject to applicable rights and business requirements.

Audiolly may occasionally provide free trials, introductory pricing, promotional subscriptions, discounted plans or other promotional offers.

The eligibility, duration and conditions of each offer will be communicated at the time the offer is presented.

Unless otherwise stated, a free trial or promotional subscription that converts into a paid subscription may automatically renew at the applicable regular price after the promotional period ends.

Where applicable, the user will be informed of the renewal terms before or during activation.

Audiolly may limit, modify, suspend or withdraw promotional offers where permitted by law.

A promotional offer may be available only once per user, account, payment method, device or other eligibility criterion.

Where a subscription is offered on an auto-renewal basis, the subscription may automatically renew at the end of the applicable subscription period using the payment method or payment mandate authorised by you.

By activating an auto renewing subscription, you expressly authorise the applicable recurring payment mechanism.

You may cancel or disable auto renewal before the commencement of the next renewal period through the applicable Audiolly, app-store, payment provider or banking mechanism.

Cancellation of auto renewal does not normally terminate a subscription period that has already been paid for.

Your access will generally continue until the end of the already-paid subscription period, unless otherwise stated or required by applicable law.

If a recurring payment fails, is declined, reversed or cannot be processed, Audiolly may:

• retry the payment where permitted;
• notify you of the failed payment;
• suspend premium access;
• restrict access to paid features; or
• terminate the affected subscription.

Audiolly will not be responsible for payment failures caused by the bank, card issuer, UPI provider, payment gateway, app store or other third-party payment service.

Audiolly may introduce virtual units such as Audiolly Coins, Credits or similar digital units for use within the Platform.

Unless expressly stated otherwise:

• Coins/Credits have no cash value;
• they are not legal tender;
• they cannot be exchanged for cash;
• they cannot be transferred or sold to another user;
• they cannot be used outside Audiolly;
• they cannot be pledged or assigned;
• they are not a bank deposit or financial instrument; and
• they do not create any ownership interest in Audiolly.

Coins/Credits may be purchased, earned, awarded or provided through promotional campaigns.

Different types of Coins/Credits may have different validity periods or conditions.

Coins/Credits may be used only for eligible content, features or services designated by Audiolly.

Audiolly may specify different redemption values, limits or conditions for different content.

Promotional or bonus Coins/Credits may have an expiry date, which will be communicated through the Platform where applicable.

Purchased Coins/Credits may remain available subject to the applicable terms, but Audiolly may restrict or terminate access to Coins/Credits where an account is suspended or terminated for fraud, abuse, unlawful activity or violation of these Terms.

Audiolly may modify or discontinue its Coins/Credits programme subject to applicable law.

Because Audiolly primarily provides digital content and services, payments are generally final and non-refundable once the purchased digital content or service has been made available to the user.

However, Audiolly may consider a refund in the following circumstances:

A. Duplicate Transaction Where the same transaction has been charged more than once due to a payment or technical error.

B. Payment Deducted but Service Not Activated Where payment has been successfully deducted but the purchased subscription, Coins/Credits or paid content was not delivered or activated due to a technical failure attributable to Audiolly or its authorised payment provider.

C. Incorrect or Erroneous Charge Where Audiolly determines that an amount was charged incorrectly due to a system or billing error.

D. Unauthorised Transaction Where a transaction is reasonably established to have occurred without the account holder's authorisation, subject to verification and applicable law.

E. Legal Requirement Where a refund is required under applicable law or a competent authority's direction.

Refund requests may be reviewed on a case-by-case basis.

Except where required by law or expressly permitted under this Policy, Audiolly generally does not provide refunds for:

• partially used subscriptions;
• unused subscription periods;
• failure to use purchased content;
• change of mind;
• accidental purchase where the content/service has already been delivered;
• Coins/Credits already purchased or used;
• promotional or bonus Coins/Credits;
• content that has already been accessed or delivered;
• cancellation after a renewal has already occurred; or
• failure to cancel a subscription before its renewal date.

This section does not limit any rights that cannot legally be excluded under applicable law.

Where a purchase is made through an app store or third-party marketplace, including Google Play or Apple App Store, the transaction may also be governed by that platform's billing and refund policies.

Where required, refund requests may need to be submitted directly through the relevant app store.

Audiolly may assist with transaction-related issues where reasonably possible but cannot guarantee the outcome of a refund request controlled by a third-party platform.

Where Audiolly approves a refund, the refund will normally be made to the original payment method used for the transaction.

Approved refunds may take approximately 5–7 working days, or such additional period as may be required by the relevant bank, payment gateway, card issuer, UPI provider or app store.

The actual time for the refund to appear in your account is outside Audiolly's control.

You may cancel an active subscription at any time through the applicable cancellation mechanism provided by Audiolly, the relevant app store or payment provider.

Cancellation will generally prevent the subscription from renewing for the next billing period.

Unless otherwise required by law or expressly stated, cancellation does not automatically entitle you to a refund for the remaining portion of an already-paid subscription period.

Where supported, Audiolly may provide an electronic receipt or invoice for successful transactions.

Invoices or receipts may be made available through:

• the Audiolly account;
• registered email;
• payment gateway;
• app store; or
• another applicable delivery method.

Users should retain transaction IDs, receipts and payment confirmations for future reference.

If you believe that a payment was incorrectly charged, you should first contact Audiolly customer support so that we can investigate the transaction.

Initiating a chargeback without first giving Audiolly a reasonable opportunity to resolve a genuine billing issue may result in temporary restriction of the account or related services, where permitted by law.

Audiolly reserves the right to investigate suspected fraudulent, abusive or deliberately misleading chargebacks.

Nothing in this section limits a user's lawful rights to dispute an unauthorised transaction.

Audiolly may suspend, restrict or terminate an account and/or reverse benefits obtained through a transaction where there is reasonable evidence of:

• payment fraud;
• use of stolen payment credentials;
• fraudulent chargebacks;
• exploitation of payment-system errors;
• manipulation of Coins/Credits;
• abuse of promotional offers;
• multiple fraudulent accounts;
• unauthorised resale or transfer of paid benefits; or
• other unlawful or abusive activity.

Audiolly may cooperate with payment providers, banks, app stores and law-enforcement authorities where legally required.

Audiolly may offer discounts, coupons, promotional codes, referral benefits, bonus Coins/Credits or other incentives.

Unless expressly stated:

• promotional benefits cannot be exchanged for cash;
• promotional offers cannot be combined;
• offers may be subject to eligibility conditions;
• promotional benefits may expire; and
• Audiolly may withdraw or modify an offer where permitted by law.

Any specific terms displayed with a promotion will prevail over this general section to the extent of any inconsistency.

You are responsible for applicable taxes associated with your purchases to the extent required by applicable law.

Where required, Audiolly or its payment partner may collect and remit GST or other applicable taxes.

The applicable tax treatment may vary depending on the user's location, transaction type and applicable law.

Audiolly may use third-party payment processors, banks, app stores and other payment service providers.

Such providers may have their own:

• terms and conditions;
• privacy policies;
• security procedures;
• refund procedures; and
• transaction limitations.

By using a third-party payment method, you may also be subject to the applicable terms of that provider.

Audiolly is not responsible for independent failures of a third-party payment provider, except to the extent required by applicable law.

Audiolly takes reasonable measures to protect payment-related information and uses authorised payment service providers where applicable.

However, no electronic payment system can be guaranteed to be completely secure.

Users must not share OTPs, UPI PINs, passwords, card PINs, CVVs or other confidential payment credentials with any person claiming to represent Audiolly.

Audiolly will never ask you to disclose your UPI PIN, card PIN, CVV or account password for the purpose of processing a refund.

For payment, subscription, billing, Coins/Credits or refund-related issues, users should contact Audiolly through the official customer-support channel provided within the Platform or through the official Audiolly contact details.

When contacting support, users may be asked to provide:

• Audiolly account information;
• transaction ID;
• date and amount of transaction;
• payment method;
• screenshot or payment confirmation; and
• other information reasonably necessary to investigate the issue.

Users should never send passwords, OTPs, UPI PINs, CVVs or complete card numbers to customer support.

Audiolly may update or modify this Payment Policy from time to time to reflect changes in:

• payment methods;
• subscription models;
• Coins/Credits;
• applicable laws;
• payment providers;
• business practices; or
• Platform features.

The updated version will be published through the Platform with a revised “Last Updated” date.

Where required by law, material changes will be communicated to users through appropriate means.

This Payment Policy shall be governed by the laws of India.

Any dispute relating to payments, subscriptions, refunds or paid services shall be subject to the dispute-resolution and jurisdiction provisions contained in the Audiolly Terms & Conditions, subject to applicable law.

RED EMBER MEDIA HOUSE PRIVATE LIMITED

Platform: Audiolly Website: audiolly.com Email: contact@audiolly.com

Registered Office: C/o Nayan Kumar Goswami, 208, Ward No. 9, Sivasagar, Assam, India – 785640

For payment or refund matters, please use the official customer-support channel made available within the Audiolly application or website.

This Payment Policy is intended to form part of Audiolly's consumer-facing legal documentation. Before publishing it, Audiolly should have its legal counsel review the final version against applicable Indian laws, app-store rules, payment-gateway requirements, RBI/UPI requirements, consumer-protection requirements and the actual payment architecture implemented in the Audiolly app.