Return, Refund & Cancellation Policy

1. Return & Replacement Policy for Digital Services

Paisa Track is a 100% digital software-as-a-service (SaaS) and mobile personal finance application.

• Because our software features, receipt scanner OCR, multi-budget modules, and ad-free access are delivered and unlocked electronically over the internet directly inside your mobile application, physical product returns or physical replacements are not applicable.
• In place of physical returns, Aarvix Technologies provides an 7-Day Return/Refund Guarantee for all digital subscription purchases. If the service does not meet your expectations, your purchase amount will be returned to you in full.

2. 7-Day Money-Back Guarantee & Refund Eligibility

We provide 100% full refunds under the following clear terms:

• 7-Day Satisfaction Return Window: If you are dissatisfied with Paisa Track Pro for any reason, you may request a 100% Full Refund within 7 calendar days from the date and time of your initial purchase or renewal. Subject to the terms of this policy.
• Technical Failure or Non-Delivery of Pro Features: If payment was debited from your bank account or UPI application but Pro features were not unlocked on your device due to network latency or gateway webhook delays, you are entitled to an immediate 100% refund or manual feature activation.
• Duplicate or Erroneous Debits: In the event that your bank account, card, or UPI was debited multiple times for a single subscription transaction due to a network glitch or gateway timeout, all duplicate amounts are refunded in full.

3. Automatic Reversal for Failed Transactions

In compliance with Reserve Bank of India (RBI) and National Payments Corporation of India (NPCI) directives for digital payment aggregators:

• If money is deducted from your bank account or UPI application, but the transaction fails or drops before reaching our servers, the payment is automatically reversed by the payment network.
• Such failed transaction amounts are automatically credited back to your original bank account/UPI ID within 24 to 48 hours by PhonePe and your issuing bank.
• If you do not see the reversal after 48 hours, please reach out to us with the bank UTR or PhonePe Transaction ID, and our billing desk will trace and resolve it immediately with PhonePe.

4. Mode of Refund & Settlement Timelines

To ensure financial integrity and prevent diversion of funds:

• Original Payment Method Only: All approved refunds are credited strictly back to the original source account (the same UPI ID, bank account, debit card, or credit card used by you at the time of payment) via the PhonePe Payment Gateway. We never issue refunds in cash, third-party transfers, or store credits.
• Merchant Processing Window: Once you submit a refund request, our support team inspects and initiates the refund within 24 to 48 business hours.
• Bank Credit / Settlement Timeline: Once initiated by us, the funds are credited back to your bank account within 5 to 7 working business days, strictly subject to your issuing bank's settlement cycle.
• Notification: You will receive an instant email confirmation containing the PhonePe Refund Reference ID and UTR number as soon as the refund is initiated.

5. Subscription Expiry & Cancellation

Paisa Track Pro is a one-time prepaid plan (1 month or 1 year). It does not auto-renew and your payment method is never charged automatically. Pro access continues until the end of the paid period, after which the account reverts to the Free tier with all data preserved. To request a refund, see Section 6.

6. How to Request a Return, Refund, or Cancellation

Requesting a return or refund is simple and requires no paperwork. Simply reach out via any of the following channels:

7. Registered Business Entity & Grievance Redressal

In compliance with the Consumer Protection (E-Commerce) Rules, 2020 and Information Technology Act, 2000, our official enterprise and Grievance Officer coordinates are: