Cancellation Policy

This Cancellation Policy explains how you can cancel services, subscriptions or payments with Payvendo (referred to as "we", "us", or "Company"), how refunds are handled, and the timelines and conditions that apply. This policy applies to all users of our platform and services unless otherwise agreed in writing.

1. Definitions

• Subscription: Recurring paid access to a product or service billed periodically (monthly, annually, etc.).
• One-time transaction: Single payment for a product or service.
• Pending transaction: A payment that has been authorized but not yet settled.
• Refund: The return of funds to the original payment method or via another method described below.

2. How to cancel

You may cancel through any of the following methods (choose one):

• Log into your account and go to Settings > Subscriptions and click Cancel.
• Contact our support team at help@payvendo.in.
• Use the in-app chat or help center available on the dashboard.

3. Subscription cancellations

Key points for recurring payments:

• Immediate cancellation: You can cancel at any time. After cancellation, your subscription will remain active until the end of the current billing period unless otherwise stated in your contract.
• No prorated refunds: Unless stated in your plan or contract, we do not provide prorated refunds for partial billing periods after cancellation.
• Renewal prevention: Cancelling before the next renewal prevents further charges.

4. One-time transactions and purchases

For one-time purchases (non-subscription):

• Refunds are considered on a case-by-case basis depending on product type, regulatory requirements, and contractual terms.
• Digital goods or immediately delivered services are generally non-refundable unless defective or otherwise required by law.

5. Pending & authorized transactions

When a payment is authorized but not settled:

• If you cancel before settlement, the authorization may be voided; depending on the payment provider, the hold on funds may remain for 1–7 business days before being released back to your account.
• We cannot force banks to release authorizations faster; release timing depends on the user's issuing bank or payment method.

6. Refunds — process & timelines

When a refund is approved:

• We will issue refunds to the original payment method whenever possible.
• Refund processing time: typically 3–10 business days after approval for card and bank transfers. Timing varies by bank and region.
• If original payment method is unavailable, we will contact you to arrange an alternative refund method (e.g. bank transfer).

7. Fees & deductions

Possible fees to be aware of:

• Payment processor fees: In some cases, non-recoverable processing fees charged by payment networks may be deducted from refunds.
• Chargebacks: If a chargeback or dispute is issued, any related fees levied by payment processors may be deducted from the refunded amount if your contract permits.

8. Exceptions & special cases

There are circumstances where additional rules apply:

• Fraud or unauthorized transactions: If you suspect fraud, contact us immediately. We will investigate and may provisionally refund funds pending investigation, subject to our fraud and AML checks.
• Regulated financial products: Certain regulated products (e.g. investments, insurance, loans) may have statutory cooling-off periods, early-termination fees, or regulatory restrictions that affect cancellation and refundability.
• Promotions & trial periods: Free trials end automatically; if you do not cancel before the trial expiry, you may be charged. Promotional credits may be non-refundable.

9. Disputes and chargebacks

If you believe a charge is incorrect:

• Contact our support team first. We can often resolve issues faster without a formal chargeback.
• If you initiate a chargeback with your bank, we will cooperate with the issuer and may provide records to contest the claim. Chargeback outcomes are determined by the card issuer.

10. How we handle your data during cancellation

Privacy & compliance:

• We retain transaction records for accounting, fraud prevention, and regulatory compliance. Retention periods depend on legal and regulatory requirements.
• You can request account deletion or data access per our Privacy Policy. Deleting your account does not necessarily cancel outstanding payments — cancellation must be completed through the subscription settings or support.

11. How to contact us

If you have questions about cancellation or refunds, contact:

Department	Contact
Customer Support	help@payvendo.in | In-app chat
Phone (optional)	+91 7073022020 (Mon–Fri, 09:00–18:00 local)

12. Governing law & jurisdiction

This policy and any disputes arising from it will be governed by the laws of the jurisdiction listed in your user agreement or country of registration. Where local consumer protection laws provide greater rights, those laws will apply.

13. Changes to this policy

We may update this policy occasionally. When we do, we'll post the revised policy here with a clear last updated date. Material changes will be notified to registered users by email or in-app notice where required by law.