Cancellation & Refund Policy

This policy explains how cancellations and refunds work for paid subscription plans on Policy Niketan (https://policyniketan.com). It forms part of our Terms of Service. Current plans and prices are listed on the Our Plans page. All prices are in Indian Rupees (INR) and payments are processed by Razorpay, a third-party payment gateway.

Policy Niketan is a software subscription. We do not sell, broker, or advise on any insurance or financial product, and we do not collect or process premium payments on behalf of any insurer.

• Each plan is bought with a one-time payment for a fixed period (for example, one month or one year).
• Plans do not renew automatically. We never charge you again unless you choose to buy or renew a plan yourself, so there is no recurring charge to stop.
• The free plan has no charge, so no refund applies to it.

• You may stop using the paid plan at any time simply by not renewing it when it ends. Nothing further is charged.
• If you want an active plan cancelled before its end date, contact us (see Section 6). Cancelling ends paid access straight away and your account moves to read-only access to your existing records. No refund is given for the unused part of the period, except as set out in Section 4.
• Cancelling a plan does not delete your records. To delete your account and data, see the Privacy Policy.

Because access to the plan begins as soon as payment succeeds, plan fees are non-refundable once a plan has been activated, except in the cases below, where we will refund the amount you paid:

• Duplicate payment: you were charged more than once for the same plan purchase. We refund the extra charge(s).
• Payment taken but plan not activated: money was debited but the plan was not activated on your account and we are unable to activate it.
• Where the law requires it.

Refund requests must be made within 7 days of the transaction date.

If a payment fails or stays pending but the amount has left your account, it is usually reversed automatically by your bank or payment provider. This commonly takes several business days. If the amount has not been returned after that time and your plan is not active, contact us with the payment details and we will investigate.

Email support@policyniketan.com or raise a ticket from the Help & Support page (you can also request a call back, but please send the details below in writing so we have a record), and include:

• the email address registered on your account;
• the plan name, the amount, and the date of the payment;
• the Razorpay payment ID or a screenshot of the payment confirmation, if you have it;
• a short description of the problem.

• We review each request and reply by email with the decision.
• Approved refunds are returned to the original payment method used for the purchase.
• After we approve a refund, it typically reaches your account within 5 to 7 business days, depending on your bank or payment provider.

If anything here is unclear, write to support@policyniketan.com or visit our Contact page, or request a call back (placed during business hours only).