Refund & Cancellation Policy

1. Subscription Plans & Payments

• All fees are payable exclusively in Indian Rupees (INR) via Corpfy Banking & Treasury — supporting UPI, net banking, credit/debit cards, and wallets.
• GST at 18% is applicable on all platform fees and will be reflected in your GST-compliant invoice (GSTIN will be captured at checkout).
• Government statutory charges — MCA filing fees, ROC stamp duty, trademark application fees (₹4,500–₹9,000 per class), GST registration fees, advance tax challans — are pass-through costs billed separately at actuals and are non-refundable once remitted.
• Corpfy reserves the right to revise platform pricing with at least 30 days' prior written notice to registered users.

2. Currency

All transactions on Corpfy are denominated in Indian Rupees (INR). We do not accept foreign currency payments. If you use an international payment card, your card issuer may apply currency conversion fees — Corpfy bears no responsibility for such charges. All refunds are processed in INR to the original payment method.

3. Cancellation Policy

User-Initiated Cancellation

Cancel your subscription at any time by:

• Accessing Account Settings → Subscription → Cancel Subscription; or
• Emailing billing@corpfy.in with your registered email, account ID, and reason — at least 5 business days before your next billing date.

Effect of Cancellation

• Platform access continues until the end of the current paid billing cycle. No pro-rata refund is issued for unused days within a paid cycle.
• No further charges are applied after written cancellation confirmation from Corpfy.
• Data export: request a data export within 30 days of cancellation via billing@corpfy.in. After 30 days, data is subject to our retention and deletion schedule (see Privacy Policy).
• All pending compliance tasks (filings, payroll cycles, trademark applications) in progress at the time of cancellation will be completed or handed over — partial completion does not trigger a refund.

Company-Initiated Cancellation

We may suspend or terminate your account for violations of our Terms of Service, non-payment, fraudulent activity, or regulatory mandate. Refunds in such cases are assessed individually.

4. Refund Policy

Eligible Refund Window

• Operational & Growth (Annual Plans): Refund requests submitted in writing within 7 calendar days of the original purchase date, provided no service workflows have been materially commenced (e.g., no MCA application filed, no GST return submitted, no payroll cycle initiated).
• Starter (One-time Plan): No refunds once company incorporation or trademark workflows have been initiated.
• Monthly Plans: Not currently offered. All plans are annual or one-time.

Non-Refundable Items

• MCA filing fees (ROC fees, stamp duty, DIN/DSC costs) — non-refundable once submitted to MCA21.
• GST registration fees, trademark filing fees (₹4,500–₹9,000 per class), income tax challan payments — non-refundable once remitted to the respective government authority.
• Payroll processing fees for completed salary cycles — inclusive of PF (12% employer contribution) and ESI computations.
• Legal drafting and advisory services that have been delivered or substantially commenced.
• GST collected on platform fees — non-refundable once deposited with the government under applicable GST law.
• Startup India / DPIIT recognition application support fees — non-refundable once application workflow is initiated.

Refund Processing

• Approved refunds are processed within 10–15 business days from the date of approval.
• Refunds are credited to the original payment instrument (UPI, bank account, or card) used via Corpfy Banking & Treasury.
• A confirmation email is sent upon processing. Actual credit may take an additional 5–7 business days depending on your bank or payment provider — this is outside Corpfy's control.
• GST refunds (where applicable) will be processed in accordance with GST law. We will issue a credit note for the platform fee portion.

How to Raise a Refund Request

Email billing@corpfy.in with:

• Registered email address and account ID.
• GST invoice number and subscription plan.
• Reason for refund request and date of purchase.

5. Chargeback & Payment Disputes

Before initiating a chargeback with your bank or card issuer, please contact us at billing@corpfy.in — most issues can be resolved within 48 hours.

• Chargebacks initiated without prior communication may result in account suspension pending resolution.
• Fraudulent or unjustified chargebacks will be disputed, and Corpfy reserves the right to recover the amount plus associated banking fees.
• All payment disputes must be raised within 60 days of the original transaction date.
• Corpfy Banking & Treasury payment records will be the authoritative source for all transaction dispute resolution.

6. Exceptional Circumstances

Refunds may be considered at Corpfy's sole discretion for:

• Proven platform downtime exceeding 48 consecutive hours preventing access to subscribed services, despite reasonable remediation attempts.
• Duplicate charges confirmed via Corpfy Banking & Treasury payment records.
• Regulatory requirements mandating charge reversal.

Submit exceptional refund requests to billing@corpfy.in with supporting documentation. Response within 10 business days.

7. No Guarantee of Regulatory Outcomes

Corpfy provides assistance — not guarantee — for company registration approvals, GST registrations, trademark grants, DPIIT recognition, investor introductions, or funding outcomes. Refunds are not granted on grounds of unmet expectations for results that are dependent on government decision-making or investor discretion — outside the scope of our platform services.

8. Consumer Rights

Nothing in this Policy limits your rights under the Consumer Protection Act, 2019, or any other applicable mandatory Indian law. For consumer grievances, you may approach the National Consumer Disputes Redressal Commission (NCDRC) or the relevant State Consumer Disputes Redressal Commission after exhausting our internal grievance process.

9. Contact for Refunds & Cancellations