Refund & Cancellation Policy

Scope

This policy applies to fees you pay ChitsVyapar for use of ChitsVyapar. It does not apply to chit-fund subscriber contributions exchanged between members of your chit groups — those are governed by your own chit agreements and the Chit Funds Act, 1982.

Subscription cancellation

You may cancel a paid subscription at any time from your Account settings page or by emailing ChitsVyapar@gmail.com. On cancellation:

• Your subscription remains active until the end of the current billing period.
• You will not be charged for subsequent periods.
• Your data is retained per the schedule in our Privacy Policy.

Refund window

Refunds are available within 7 days of the most recent payment, subject to the conditions below. Beyond that window, payments are non-refundable.

Eligible for refund

• You were charged in error (duplicate charge, billing-system fault).
• The Service was materially unavailable (outage longer than 24 hours within a billing period) and you contacted us during the outage.
• You cancelled within 7 days of first paid signup and have made minimal use of paid features.

Not eligible for refund

• Partial-period cancellations after the refund window.
• Account suspensions due to breach of our Terms of Service.
• Fees charged by third parties (your WhatsApp Business Cloud API costs, SMS gateway fees, payment-gateway charges).

How to request a refund

1. Email ChitsVyapar@gmail.com with your registered email and the date and amount of the charge.
2. We will respond within 5 business days.
3. Approved refunds are processed back to the original payment method within 7 business days after approval. Bank/card processing times may add additional delay.

Disputes

If you disagree with a refund decision, escalate by replying to your refund email thread or writing again to ChitsVyapar@gmail.com. Unresolved disputes are governed by the Terms of Service.

Contact

Billing: ChitsVyapar@gmail.com · Phone: 6281030928