This Policy states how money moves to experts: what is earned, when it settles, what the law deducts, and what happens to a settlement when a booking is refunded, disputed or found abusive. It binds every expert together with the Expert Code of Conduct.
1. The flow of a rupee
1Seeker pays on the Platformlicensed payment aggregator · never to personal accounts2Service is renderedconsultation opens · ritual performed3Assurance hold7 days from completion — the refund and dispute window4Settlement runweekly · statutory deductions applied5Bank creditto the expert's verified account · statement issued
2. What the expert earns
The expert's earning on a booking is the listed fee less the Platform's service commission, at the rate disclosed to the expert at onboarding and in every statement. Commission rates change only prospectively and on 30 days' written notice.
Documented samagri costs for rituals are passed through to the expert without commission, against receipts.
Free first consultations an expert chooses to offer carry no charge and no settlement.
3. The settlement cycle
Item
Rule
Completion
A consultation completes on expiry of its stated response scope; a ritual completes on performance, evidenced by the proof updates shared in the booking conversation
Assurance hold
7 days from completion — aligned to the seeker's report window
Settlement run
Weekly, covering everything past its hold
Minimum payout
₹500; smaller balances roll to the next run
Credit
To the verified bank account, ordinarily within 2 business days of the run
4. Statutory deductions — handled for you
TDS under Section 194-O of the Income-tax Act, 1961 is deducted on gross amounts as law requires, deposited against the expert's PAN, and certificates are issued each quarter.
TCS under Section 52 of the CGST Act, 2017 is collected and deposited on taxable supplies made through the Platform, and reflects in the expert's GST ledger where registered.
Experts whose own turnover crosses statutory thresholds are responsible for their own GST registration and filings; the Platform's collections do not substitute for them.
Every statement itemises gross fee, commission, samagri pass-through, each statutory line and the net credit — nothing is deducted without a line naming it.
5. Refunds, clawbacks and forfeiture
Event
Effect on the expert
Ritual cancelled before samagri procurement
No settlement accrues; nothing is owed either way
Ritual cancelled after procurement, before commencement
Documented samagri costs reimbursed against receipts; no fee settlement
Goodwill reversal for a wholly-unattended consultation
No settlement for that booking; repeated unattendance is a Code matter
Refund issued after a settlement has already been paid
Clawback from the next settlement run(s); if none follow, the amount is recoverable as a debt
Booking under open grievance
Only that booking's amount is held until the grievance closes
Fraud, false KYC, fear-based manipulation or off-platform solicitation
Settlements for the bookings concerned are forfeited to the fullest extent law permits; the account is frozen pending inquiry
6. Records and disputes
Monthly statements and annual summaries are provided in the Expert app; TDS certificates follow the statutory calendar.
Settlement disputes are raised through the Expert app's support desk and follow the Grievance Redressal Policy's timelines; the ledger and aggregator references decide them.
On exit — voluntary or enforced — final settlement of lawful dues is made in the next two runs, less clawbacks and forfeitures itemised in writing.