1. Overview
This policy applies to every subscription payment made to Accorgminds Private Limited for ApnaTheka. By paying, you accept it together with our Terms of Service and Privacy Policy. It replaces the version dated 3 September 2026.
2. Subscription and activation
- A subscription is billed in advance for the term chosen — monthly, quarterly or yearly — at the plan and price quoted to you before payment. A plan applies to one company, and each company is billed on its own. No bill runs past 31 March, the end of the financial year.
- You may pay online through PhonePe, an RBI-authorised payment aggregator, or by bank transfer, UPI, cheque or cash recorded by our team.
- A new company's first payment is asked for on a payment request (a proforma), valid for 30 days, with reminders on days 3, 7 and 14. The company is switched on and the tax invoice issued when it is paid; a request left unpaid lapses and nothing is owed on it.
- A tax invoice is issued for every bill and a receipt for every payment. An online payment page stays open for 15 minutes; the amount it asks is what the bill still owes.
3. When we refund
Money goes back only when we should not hold it, or when a bill was wrong:
| Case | What we do |
|---|---|
| Duplicate payment | The same bill paid twice: the second payment is refunded on request, after we review it, to the instrument you paid with. |
| Payment not applied | Money reached us but could not be applied to a bill — the bill was already settled, the amount did not match, or the company it paid for could not be switched on: refunded on request after review, or applied to your bill if you prefer. |
| Billing error | You were charged more than the price quoted to you, or for a month, a location or a company not owed: we issue a GST credit note for the difference. On a bill not yet paid it lowers what the bill owes; on a paid bill it is a credit that is applied to your next bill, or refunded on request. Where months were still owed, a corrected bill replaces the wrong one. |
A credit not yet used is refunded on request at any time.
4. When we do not
- A change of mind, a shop closing, or the business stopping — the term already paid for runs to its end.
- Not using, or partly using, a subscription.
- Problems caused by your hardware, internet, browser or phone.
- Set-up, training or customisation already delivered.
- A request about the service itself made more than 7 days after the payment. A duplicate or unapplied payment, a billing error and an unused credit have no such limit.
No pro-rata refund is made for the unused part of a term.
5. How to ask
Email accorgminds@gmail.com with the subject "Refund request", or WhatsApp +91 8619700971 — within 7 days of the payment for a request about the service; at any time for a duplicate or unapplied payment, a billing error or an unused credit — with:
- your organization or company name and the registered mobile number;
- the invoice or credit note number, the date and the amount;
- the transaction or UTR reference, and for a duplicate debit, the bank entry or screenshot;
- why you are asking.
6. How long it takes
| Step | Time |
|---|---|
| We acknowledge the request | Within 2 working days |
| We decide and tell you | Within 7 working days of receiving the details above |
| If approved, we start the refund | Within 2 working days of approval, to the instrument you paid with |
| The money reaches you | UPI 1–3 working days · net-banking 3–5 · card 5–7 · offline payments by bank transfer within 7 working days |
Credit time after we initiate depends on your bank or the aggregator; we cannot speed that part up, but we will chase it with you.
7. Cancelling a subscription
- Write to accorgminds@gmail.com or WhatsApp +91 8619700971 from your registered number. Cancellation is confirmed to you in writing.
- The paid term runs to its end and is not renewed. Nothing is refunded for the remainder of the term.
- After the term ends your books are kept, so the account can be revived or its records produced for an audit, until you ask for deletion as the Data & Account Deletion page describes. Records Indian law requires us to keep are retained for the statutory period either way.
8. Failed or stuck payments
If your account is debited but the payment shows as pending or failed and access is not switched on, most aggregator reversals are automatic and credit within 5–7 working days. If the money has not returned in 7 working days, write to us with the bank entry and we will take it up with PhonePe on your behalf.
A payment PhonePe completes after its page has closed is still applied to its bill; if that bill was paid meanwhile, it is a duplicate payment (section 3).
9. Chargebacks
Please write to us before raising a chargeback with your bank; a genuine issue is resolved faster that way. A chargeback raised without contacting us may lead to the account being suspended until it is settled.
10. Law and contact
Accorgminds Private Limited
2nd Floor, AMJ Royal Tower, Opp. Police Line, Bikaner 334001, Rajasthan, India
Email: accorgminds@gmail.com · Phone / WhatsApp: +91 8619700971
This policy follows the Consumer Protection Act, 2019 and the RBI's guidelines for payment aggregators. It is governed by the laws of India; disputes are subject to the courts at Bikaner, Rajasthan.
