Refund Policy

1. 14-Day Money-Back Guarantee

The 14-day guarantee applies under the following conditions:

• The guarantee applies to new subscriptions only (first-time purchase of any plan)
• The refund request must be submitted within 14 calendar days from the date of your initial payment
• The guarantee applies to all three subscription tiers: Essential (₹3,999/year), Vault (₹7,999/year), and Vault Family (₹14,999/year)
• The guarantee does not apply to subscription renewals. It is available only for first-time subscribers

2. Refund Process

To request a refund under the 14-day money-back guarantee:

1. Send an email to refunds@wasiyat.in within 14 days of your initial subscription purchase
2. Include the following information in your email:
   • Your registered email address
   • Your subscription plan (Essential, Vault, or Vault Family)
   • Date of purchase
   • Reason for the refund request (optional, but helps us improve)
3. Receive confirmation: Our team will acknowledge your request within 2 business days and process the refund

3. Refund Processing

• Payment method: Refunds are issued to the original payment method used for the purchase, processed through Razorpay
• Processing time: Refunds are typically processed within 5 to 7 business days from the date we approve your refund request. Actual credit timing may vary depending on your bank or payment provider
• Refund amount: The full subscription amount is refunded. No deductions or processing fees are applied by Wasiyat
• Account status: Upon refund processing, your subscription will be cancelled and your account will revert to an inactive state. You may export your data within 30 days of cancellation

4. Exceptions & Non-Refundable Scenarios

Refunds are not available in the following situations:

• After 14 days: Refund requests submitted after the 14-day money-back guarantee period has elapsed
• Subscription renewals: The 14-day guarantee applies only to first-time subscriptions. Renewal payments are non-refundable
• Partial refunds: We do not offer partial refunds for unused portions of a subscription period or unused platform credits/features
• Account termination for violations: If your account is terminated due to a violation of our Terms of Service, no refund will be issued
• Chargebacks: If you initiate a chargeback with your bank instead of contacting us for a refund, we reserve the right to contest the chargeback and suspend your account

5. Plan Changes

5.1 Upgrades

• You may upgrade your plan at any time (e.g., Essential to Vault, or Vault to Vault Family)
• Upgrades are prorated: you will only be charged the difference between your current plan and the new plan for the remaining days in your billing cycle
• Upgraded features are available immediately upon successful payment

5.2 Downgrades

• You may request a downgrade at any time (e.g., Vault Family to Vault, or Vault to Essential)
• Downgrades take effect at the start of your next billing cycle. You retain access to your current plan's features until the end of the current period
• No refund or credit is issued for the price difference when downgrading
• When downgrading, features exclusive to your current plan (e.g., vault storage, AI advisory, professional referrals) will become inaccessible at the start of the next billing cycle. Your data will be preserved but may become read-only for features not included in your new plan

6. Cancellation

• You may cancel your subscription at any time from your account settings or by contacting billing@wasiyat.in
• Upon cancellation, you retain full access to the Platform and all your plan's features until the end of your current billing period
• No further charges will be made after cancellation. Auto-renewal will be disabled
• After your subscription expires, your data will be retained in a read-only state for 12 months. During this period, you can reactivate your subscription to regain full access
• You may export your data (family records, calculations, vault items, generated documents) at any time before or within 30 days after your subscription expires
• After the 12-month retention period, your data will be permanently deleted in accordance with our Privacy Policy

7. Contact Us

For any questions about this Refund Policy, subscription billing, or to request a refund, please contact us:

• Refund Requests: refunds@wasiyat.in
• Billing Inquiries: billing@wasiyat.in
• General Support: support@wasiyat.in