Refund Policy

1. 14-Day Money-Back Guarantee

The 14-day guarantee applies under the following conditions:

• The guarantee applies to your one-time purchase of any plan
• The refund request must be submitted within 14 calendar days from your purchase date, whether you purchase during the trial, right after it ends, or any time later
• The guarantee applies to all three plans: Essential (₹3,999, one-time), Vault (₹7,999, one-time), and Vault Family (₹14,999, one-time)

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 purchase date
2. Include the following information in your email:
   • Your registered email address
   • Your 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 purchase amount is refunded. No deductions or processing fees are applied by Wasiyat
• Account status: Upon refund processing, your plan access will be revoked and your account will revert to an inactive state. You may export your data within 30 days of the refund

4. Exceptions & Non-Refundable Scenarios

Refunds are not available in the following situations:

• After 14 days: Refund requests submitted more than 14 days after your purchase date
• Partial refunds: We do not offer partial refunds for unused portions of a plan's access 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 current plan's access period
• Upgraded features are available immediately upon successful payment

5.2 Downgrades

• To request a downgrade (e.g., Vault Family to Vault, or Vault to Essential), contact billing@wasiyat.in
• 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) become inaccessible once the downgrade takes effect. Your data will be preserved but may become read-only for features not included in your new plan

6. Cancellation

• You may stop using the Platform at any time — since each purchase is a one-time payment (see below), there is no recurring billing to cancel. To close your account instead, use your account settings or contact billing@wasiyat.in
• Upon cancellation, you retain full access to the Platform and all your plan's features until the end of your current plan's access period
• No further charges will be made after cancellation. Each purchase is a one-time payment, so there is no recurring billing to stop
• After your plan's access period ends, your data will be retained in a read-only state for 12 months. During this period, you can purchase a plan again 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 plan's access period ends
• 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, billing, or to request a refund, please contact us:

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