ZipZy® Refund Policy

The Services are sold on a prepaid subscription basis. Fees are charged for access to the Services for a defined Subscription Term, not for actual consumption. Accordingly, fees are non-refundable except as expressly set out in this Policy or as required by applicable law.

We do not provide refunds, credits, or prorated amounts for:

• Partially used billing periods
• Unused seats, links, scans, messages, API requests, or AI credits
• Periods during which you chose not to use the Services
• Downgrades taking effect mid-term

Where a free plan or trial is available for a Service module, we expect you to use it to evaluate suitability before purchasing. Trials give full access to the relevant paid functionality. Requests for refunds on the basis that the Services did not meet expectations that could have been tested during a trial are generally declined.

3.1 First Purchase. For your first ever paid monthly subscription to a Service module, you may request a full refund within 7 calendar days of the initial charge, provided usage during that period does not indicate that the plan was purchased primarily to consume a one-off entitlement.

3.2 Renewals. Monthly renewal charges are non-refundable. You may cancel at any time; cancellation stops the next renewal and your access continues until the end of the paid period.

3.3 Late Cancellation. If you cancel within 48 hours after a monthly renewal charge, and there has been no material use of the Services in that renewal period, we will refund the renewal charge on request as a courtesy. This accommodation is available once per 12-month period per Account.

4.1 Cooling-Off Window. For a new annual subscription, you may request a full refund within 14 calendar days of the initial charge.

4.2 After the Window. Annual fees are non-refundable after 14 days. Cancellation stops auto-renewal; access continues until the end of the annual term.

4.3 Annual Renewals. We send a renewal reminder at least 14 days before an annual renewal date. If an annual renewal is charged and you cancel within 7 days of the charge with no material use in the new term, we will refund it in full.

4.4 Mid-Term Downgrade. Downgrading an annual plan mid-term does not generate a refund or credit for the difference. The lower plan takes effect at renewal.

Outside the windows above, we may issue a full or partial refund at our discretion where:

• A material defect or verified outage prevented you from using a core function of the Services for a sustained period, and the Service Level Agreement service credits do not adequately address it.
• You were charged after a valid and timely cancellation was submitted.
• You were charged on an incorrect plan or seat count due to our error.
• We terminate your subscription for convenience, in which case we refund prepaid unused fees on a prorated basis.
• We make a material adverse change to the Terms or Services during a paid term and you terminate before the change takes effect, in which case prepaid unused fees are refunded prorated.
• A refund is required by applicable consumer protection law.

Service credits under the SLA are the sole remedy for availability shortfalls and are issued as credits, not cash, unless we state otherwise.

6.1 Discounted Purchases. Where a promotional code, coupon, or negotiated discount was applied, any refund is calculated on the amount actually paid, never on the undiscounted list price.

6.2 Promotional Credits. Account credits issued as promotions, goodwill, or SLA remedies have no cash value, are non-transferable, are not refundable or convertible to cash, and expire on Account closure or as stated when issued.

6.3 Lifetime and Special Offers. Fees for lifetime deals, launch offers, and similar one-time purchases are non-refundable after the applicable cooling-off window and are non-transferable between Accounts.

6.4 Refund of Discounted Terms. Refunding a discounted annual purchase forfeits the discount; if a partial refund is agreed, the used portion is recalculated at the standard list price for the equivalent monthly plan and deducted from the refund.

6.5 Referral and Reseller Purchases. Purchases made through an authorised reseller or marketplace are subject to that channel's refund terms; contact the reseller first.

7.1 Duplicate Charges. Where the same subscription was charged more than once for the same period, we refund the duplicate charge in full. Report duplicates to billing@zipzy.in with both transaction identifiers.

7.2 Failed Transactions with Debit. Where a payment failed but your account was debited, the amount is normally auto-reversed by your bank or by Razorpay within 5–7 business days. If it is not, contact us with the transaction reference and we will trace it with the payment provider.

7.3 Unauthorised Charges. If you believe a charge was unauthorised, contact billing@zipzy.in immediately. We will investigate, refund confirmed unauthorised charges, and assist you in securing the Account. Do not raise a chargeback before contacting us — see Section 13.

7.4 Our Billing Errors. Any charge resulting from a billing system error on our side is refunded in full, without a time limit, once verified.

8.1 Refunds include the GST originally charged on the refunded amount, provided the refund is processed within the period permitted under Indian GST law for credit note issuance.

8.2 A credit note will be issued against the original tax invoice for every refund. If you have already claimed input tax credit on the original invoice, you are responsible for reversing it in your own GST filings.

8.3 Refunds made after the statutory credit note window may be processed net of GST, since the tax has already been remitted to the government and cannot be recovered.

8.4 Payment gateway fees, foreign exchange differences, bank charges, and any withholding tax already deposited are not refunded and may be deducted from the refunded amount.

The following are non-refundable in all cases:

• Fees for periods in which the Services were provided and available
• Charges relating to a subscription terminated for breach of the Terms of Service or the Acceptable Use Policy
• Overage charges for usage already consumed
• One-time implementation, onboarding, migration, training, or custom development fees, once work has commenced
• Custom domain registration or third-party certificate costs passed through at cost
• Third-party fees, including payment gateway charges and telecom or messaging carrier charges already incurred
• Consumed AI credits and delivered messages
• Amounts paid more than 12 months before the refund request
• Credits and promotional balances

Send a request to billing@zipzy.in including:

1. Account email address and workspace name
2. Invoice number and transaction identifier
3. Amount and date of the charge
4. Reason for the request
5. Supporting evidence, where relevant (for example, screenshots of an error or duplicate debit)

We acknowledge within 2 business days and decide within 7 business days. If a request is declined, we will explain the reason and identify any alternative remedy available, such as service credits or a plan change.

Escalation. If you disagree with a decision, escalate to grievance@zipzy.in. Grievances are acknowledged within 24 hours and resolved within 30 days.

12.1 Method. Refunds are issued to the original payment method through Razorpay. We cannot refund to a different card, account, or person. Where the original method is closed or expired, we will arrange a bank transfer to a verified account in the same name.

12.2 Timeline. We initiate approved refunds within 5 business days of approval. Funds typically appear within 5–10 business days for cards and UPI, and 3–7 business days for net banking and wallets, depending on your bank. Timelines after initiation are controlled by the payment networks, not by us.

12.3 Confirmation. You will receive an email confirmation containing the refund reference number and the associated credit note.

12.4 Currency. Refunds are made in the currency of the original transaction. We are not responsible for exchange rate movements between the charge and the refund.

13.1 Contact Us First. Raise any billing concern with billing@zipzy.in before initiating a chargeback or payment dispute. Most issues are resolved faster directly.

13.2 Effect of a Chargeback. When a chargeback is raised, we may immediately suspend the Account pending resolution to prevent further loss.

13.3 Our Response. We will contest chargebacks we believe to be invalid and will submit evidence of the Agreement, usage logs, invoices, and the terms accepted at checkout.

13.4 Reinstatement. If a chargeback is decided in our favour, or is withdrawn, the Account may be reinstated once the disputed amount, plus any chargeback fee levied on us by the payment network, is paid.

13.5 Abuse. Repeated or bad-faith chargebacks are treated as fraud, result in permanent termination without refund under the Acceptable Use Policy, and may be referred for recovery.

Where a signed Order Form or master agreement specifies different refund, credit, or termination terms, those terms prevail over this Policy for that Customer. In the absence of a specific provision, this Policy applies.

We may update this Policy. The version in effect at the time of your purchase governs that purchase. Material changes take effect 30 days after posting.

Pranava Company Group (ZipZy®)
62, Mandola, Loni, Ghaziabad, Uttar Pradesh 201102, Bharat (India)