Refund & Cancellation Policy

Last updated: 8 September 2026

This page explains how billing, cancellation, refunds, and account closure work for InDhanPay Books (the "Service"), operated by InDhan PayGate Private Limited ("InDhan PayGate", "we"). It supplements — and is bound by — our Terms of Service.

1. Free trial

Every new account starts on a 30-day free trial of the paid tier chosen at signup. No payment method is required to start the trial. If you do not upgrade before the trial ends, the account automatically moves to the Free plan; nothing is charged and no cancellation is required.

2. Subscription cycles

Paid plans are billed monthly, quarterly, or yearly per your selection at checkout.
Subscriptions renew automatically on the same day of the next cycle unless cancelled before that date.
Applicable Indian GST is added on top of the plan price. You receive a GST-compliant tax invoice for every charge, emailed to the account owner and available inside Settings → Subscription → Invoices.

3. How to cancel

You can cancel a paid subscription any time in three ways:

In-app: open Settings → Subscription → Cancel plan. Cancellation takes effect at the end of the current billing cycle; you keep access until then.
Email: write to billing@indhanpaygate.com from the account owner's email address.
WhatsApp: message +91 74110 90007 with your registered email or GSTIN.

Cancellation stops the next renewal. It does not trigger a mid- cycle refund (see Section 4). All your data remains available for export throughout the current cycle plus the grace period below.

4. Refunds

Subscription fees are non-refundable once a billing cycle has begun, except in the following cases where we will refund the pro-rata unused portion within 7 business days:

A charge was captured in error (duplicate charge, wrong plan amount, or a charge after a valid cancellation).
The Service has been unavailable for more than 48 continuous hours in a billing cycle due to a fault on our side (excluding scheduled maintenance announced 24 h in advance).
Where a refund is required by applicable Indian law.

To request a refund under one of the cases above, email billing@indhanpaygate.com within 7 days of the charge, quoting your registered email, invoice number, and the reason. Approved refunds are credited to the original payment method by Razorpay and typically clear in 5–7 business days depending on the issuing bank.

5. Failed renewals & grace period

If a renewal charge fails (insufficient funds, card expired, bank decline), we retry twice over the following 3 days and email you at each attempt.
After the third failure, the account enters a 7-day grace period during which you can still view and export data and record payments, but cannot create new invoices, share, or download PDFs.
If the payment method is not updated within the grace period, the account is suspended. Data is retained for 90 more days during which the account can be reactivated at any time by paying the outstanding renewal.

6. Downgrades & upgrades

Upgrades take effect immediately; the price difference for the remainder of the cycle is pro-rated and charged.
Downgrades take effect at the start of the next cycle; no partial refund is issued for the current cycle. Data created on the higher tier remains readable on the lower tier but feature access is limited to the new tier.

7. Add-on credits

SMS, WhatsApp, and Email credit packs purchased separately are one-time, non-recurring, and non-refundable once delivered. Unused credits do not expire and carry over across billing cycles for as long as the account is active.

8. Account closure & data deletion

You may request permanent deletion of the account and all associated data at any time by emailing privacy@indhanpaygate.com from the account owner's email address. We will:

Confirm the request via a verification email within 2 business days.
Cancel any active subscription (no further charges will be taken).
Delete all tenant data from production databases and object storage within 30 days of confirmation.
Keep only what statutory retention laws (e.g. GST records, accounting audit trails) require us to retain, in a restricted archive, for the minimum period the law mandates.

9. Contact

Billing: billing@indhanpaygate.com
Privacy / deletion: privacy@indhanpaygate.com
General support: support@indhanpaygate.com
WhatsApp: +91 74110 90007
Registered office: InDhan PayGate Private Limited, Head Office, India.