Refund Policy
Our commitment to your satisfaction and money-back guarantee.
30-Day Money-Back Guarantee: If you're not satisfied with Paynivo within 30 days of your subscription, we'll provide a full refund. No questions asked.
1. Refund Eligibility
1.1 Subscription Refunds
You are eligible for a full refund if:
- You request a refund within 30 days of your initial subscription purchase
- You have not exceeded the usage limits of your plan
- You have not violated our Terms of Service
- The refund request is made through proper channels
1.2 Non-Refundable Items
The following are not eligible for refunds:
- Payment gateway transaction fees (charged by third-party providers)
- Refund requests made after 30 days of subscription
- Subscriptions that have been cancelled due to Terms of Service violations
- Free Starter plan (no payment made)
2. Refund Process
2.1 How to Request a Refund
To request a refund, please:
- Contact our support team at [email protected]
- Include your account email and subscription details
- Specify the reason for the refund request
- Use the subject line "Refund Request - [Your Account Email]"
2.2 Refund Processing Time
Once your refund request is approved:
- Refunds are processed within 5-7 business days
- Refunds are issued to the original payment method
- You will receive an email confirmation when the refund is processed
- Bank processing times may vary (typically 3-10 business days)
3. Cancellation Policy
3.1 Subscription Cancellation
You may cancel your subscription at any time:
- Cancellation takes effect at the end of your current billing period
- You will continue to have access to paid features until the period ends
- No refunds are provided for the remaining unused period after 30 days
- Your account will be downgraded to the free plan after cancellation
3.2 Immediate Cancellation
If you cancel within 30 days of purchase, you may be eligible for a full refund as per our refund policy above.
4. Partial Refunds
In certain circumstances, we may offer partial refunds:
- Pro-rated Refunds: For annual subscriptions cancelled mid-term (after 30 days), we may offer a pro-rated refund based on unused months
- Service Issues: If we are unable to provide the service due to technical issues on our end, we may offer partial or full refunds
- Plan Downgrades: If you downgrade mid-cycle, we may credit the difference to your account
5. Payment Gateway Fees
Important information about payment processing:
- Payment gateway transaction fees (typically 2-3%) are charged by third-party providers (e.g., Cashfree)
- These fees are separate from our subscription fees
- Payment gateway fees are non-refundable and are governed by the gateway provider's terms
- We do not control or receive these fees
6. Chargebacks and Disputes
If you initiate a chargeback or dispute:
- We will investigate the matter thoroughly
- We may temporarily suspend your account during the investigation
- If the chargeback is found to be invalid, your account may be permanently suspended
- We encourage you to contact us directly before initiating a chargeback
7. Refund Exceptions
We reserve the right to deny refunds in the following cases:
- Fraudulent or suspicious activity on your account
- Violation of our Terms of Service
- Excessive usage or abuse of the service
- Refund requests made after the 30-day period
- Multiple refund requests for the same subscription
8. Data Retention After Refund
After a refund is processed:
- Your account will be downgraded to the free plan
- You may retain access to your data for 30 days
- After 30 days, your data may be deleted as per our data retention policy
- You can export your data before cancellation
9. Currency and Payment Methods
Refunds are processed:
- In the same currency as the original payment
- To the original payment method used
- Exchange rates may apply if currency conversion occurred
- We are not responsible for currency conversion fees charged by banks
10. Contact for Refunds
For refund requests or questions about our refund policy, please contact us:
- Email: [email protected]
- Subject: Refund Request - [Your Account Email]
- Response Time: We aim to respond within 24-48 hours
- Website: Contact Us
11. Changes to Refund Policy
We reserve the right to modify this Refund Policy at any time. Changes will be:
- Posted on this page with an updated "Last Updated" date
- Communicated via email for significant changes
- Applied to new subscriptions immediately
- Existing subscriptions will be governed by the policy in effect at the time of purchase
Last Updated: January 2024