Refund & Cancellation Policy

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 24 June 2026.

2. Subscription and activation

• A subscription is billed in advance for the term chosen — monthly, quarterly, half-yearly or yearly — at the plan and price quoted to you before payment. A plan applies to one company.
• You may pay online through PhonePe, an RBI-authorised payment aggregator, or by bank transfer, UPI, cheque or cash recorded by our team.
• Access is switched on when the payment is confirmed — at once for an online payment, and once our team records an offline one. A tax invoice is issued for every payment.

3. When we refund

A refund is made in these cases:

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.
• Any request made more than 7 days after the payment, other than a duplicate debit found later on your statement.

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, with:

• your organization or company name and the registered mobile number;
• the invoice 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

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.

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