Refund Policy

FinBizNet Premium refund and cancellation policy.

Last updated: 12 October 2026

This page explains the refund and cancellation rules of FinBizNet AI Technologies Private Limited ("FinBizNet"). It applies to all paid subscriptions purchased through finbiznet.com/premium. It supplements (and is incorporated by reference into) the Terms of Service.

1. Auto-renewal, and how to cancel it

Monthly and yearly plans renew automatically. When you subscribe you approve a payment mandate with your bank or card issuer, and we charge the same amount at the end of each period — every 30 days on a monthly plan, every 365 days on a yearly plan — so your access continues without interruption.

You are notified before every renewal. Under RBI rules for recurring e-mandates, your bank or card issuer sends you a pre-debit notification at least 24 hours before each charge, giving you time to cancel if you don't want it.

Cancel any time from Account → Manage plan. Cancelling stops all future charges immediately. It does not end the term you have already paid for — you keep full access until that term expires, after which your account reverts to the Free plan. There is no cancellation fee.

Offers with free days before the first charge (the welcome offer for new accounts, and the comeback offer): checkout only sets up the autopay mandate and you pay ₹0 until the date shown on the offer. Cancel from Account → Manage plan before that date and you are never charged, and you keep Premium for the free days. If you don't cancel, the first charge on that date is an ordinary renewal and follows the rules on this page.

The 3-year Premium plan is the exception: it is a single one-time payment with no mandate and nothing to cancel. Access expires at the end of the three years unless you choose to renew.

Subscriptions bought before 13 August 2026 were sold as one-time payments and carry no mandate. They are not affected by this section: nothing is auto-charged, there is nothing to cancel, and access simply expires at the end of the period you paid for.

2. All sales are final — no refunds

Once a payment is taken it is non-refundable, including an automatic renewal charge. FinBizNet is a digital service that grants immediate, full access for the period paid for, so we do not offer refunds for:

• A change of mind or dissatisfaction after purchase.
• Unused days or a partial period within a paid term.
• Cancelling part-way through a term — you keep access to the end of it, but the term itself is not refunded pro-rata.
• A renewal you intended to cancel but did not cancel before the charge date.
• The yearly or 3-year plan after purchase, regardless of how much of the term remains.

App store purchases: subscriptions bought through the iOS App Store or Google Play are billed by Apple or Google. Any refund for those is handled solely by them, under their own refund policies — please request it through the store, not FinBizNet. This policy governs purchases made on finbiznet.com.

3. Limited exceptions

The no-refund policy covers change of mind and dissatisfaction. We will still make things right where the charge itself was faulty:

• Duplicate charges — the same amount debited twice for a single checkout — are refunded in full, automatically; you don't need to ask.
• Billing errors — you were charged the wrong amount, or charged without gaining Premium access — are corrected or refunded.
• Clear service failure on our side — e.g. extended downtime, or a charge for a service we could not deliver — is reviewed case-by-case.

These are corrections of faulty transactions, not discretionary refunds. Email us the details and we'll review promptly.

4. How to raise a billing issue

If you hit one of the exceptions above (duplicate charge, wrong amount, or no access after a successful payment):

1. Email info@finbiznet.com from your registered email address (so we can verify the account without asking for additional credentials).
2. Include your registered name, the payment date, and the Razorpay payment ID (it appears in the GST invoice we emailed you, format pay_xxxxxxxxxx).
3. Describe the issue so we can reconcile it against our records.
4. We acknowledge within 1 working day and resolve verified billing errors within 5 working days of receipt.

5. Failed or duplicate payments

If your bank shows the payment as charged but FinBizNet shows you on the Free plan, your most likely cause is that the bank later reversed the charge automatically — Razorpay only marks a payment as captured when the bank confirms. If your bank statement shows a successful debit but you don't have Premium access after 24 hours, email info@finbiznet.com with the Razorpay payment ID and we'll reconcile manually.

Duplicate charges (the same amount debited twice within minutes of a single checkout attempt) are refunded in full automatically — you don't need to do anything.

6. Account termination & data deletion

Cancelling a plan, or letting it expire, ends your access to paid features but does not delete your FinBizNet account. To delete your account entirely, see the Privacy Policy — Section 6 ("Your rights under the DPDP Act") explains how. Note that GST invoices are retained for 8 years per Indian tax law even after account deletion.

7. Changes to this policy

We may update this Refund & Cancellation Policy from time to time. The "Last updated" date at the top of this page always reflects the current version. Material changes affect only payments made after the change date — payments before the change date are governed by the version of this policy in effect at the time of payment.

8. Contact

For all refund-related queries: Email: info@finbiznet.com Phone: +91 99710 85737 Post: FinBizNet AI Technologies Private Limited, Enkay Tower, Plot No. B & B1, Vaniya Nikunj, Udyog Vihar, Gurgaon – 122016, Haryana, India Response time: within 1 working day.