💰 Refund & Cancellation Policy

This Refund & Cancellation Policy explains our policies for subscription payments, refunds, cancellations, and related matters.

1. Subscription Plans

Plan	Duration	Price	Features
Free Trial	4 Months	₹0 (FREE)	Full access to all features
Annual Plan	12 Months	₹600	Unlimited invoices + All features

2. Free Trial Policy

2.1 Trial Period

• ✅ Duration: 4 months from registration date
• ✅ Access: Full access to all features
• ✅ Payment: No payment required for trial
• ✅ Cancellation: No cancellation needed (auto-expires)

2.2 After Trial Expiry

• Account remains but invoice creation is locked
• You can view old invoices
• Upgrade to paid plan to continue
• No automatic charges

3. Payment Policy

3.1 Payment Methods

• PhonePe UPI
• Debit/Credit Cards
• Net Banking
• UPI (Google Pay, Paytm, etc.)

3.2 Payment Processing

• Payments processed via PhonePe gateway
• Subscription activates immediately on successful payment
• Receipt sent via email
• GST invoice provided for business records

3.3 Failed Payments

• You will be notified of payment failure
• Retry payment within 7 days
• Account remains locked until payment succeeds
• No penalty for failed payments

4. Refund Policy

4.1 7-Day Money-Back Guarantee

If you are not satisfied within 7 days of payment:

• ✅ Full refund (₹600)
• ✅ No questions asked
• ✅ Processed within 5-7 business days
• ✅ Refunded to original payment method

4.2 Technical Issues

If service is unavailable due to our technical problems:

• ✅ Downtime exceeding 7 days: Full refund
• ✅ Partial downtime: Pro-rated refund
• ✅ Or extension of subscription period

4.3 Duplicate Payment

• ✅ Full refund of duplicate charge
• ✅ Processed within 3-5 business days

4.4 No Refund Cases

• ❌ After 7 days of payment
• ❌ Partial subscription period (no pro-rata refunds after 7 days)
• ❌ Change of mind after 7 days
• ❌ Account termination for policy violations
• ❌ Free trial expiry (no payment made)
• ❌ Incorrect GST filing (user responsibility)
• ❌ Third-party payment gateway charges

5. Cancellation Policy

5.1 Cancel Anytime

• You can cancel your subscription anytime
• No cancellation fee
• Download your data before cancellation

5.2 How to Cancel

1. Login to your PBILL account
2. Go to Settings → Account
3. Click "Cancel Subscription"
4. Confirm cancellation
5. Download your data

5.3 After Cancellation

• Access continues until subscription period ends
• No refund for remaining period (unless within 7 days)
• Data retained for 30 days
• Can reactivate within 30 days
• After 30 days, data permanently deleted

6. Subscription Renewal

6.1 Renewal Process

• You'll receive reminder 15 days before expiry
• Login and click "Renew Subscription"
• Make payment (₹600)
• Subscription extended for another year

6.2 Expired Subscription

• Account locked (cannot create invoices)
• Can view old data
• 7-day grace period to renew
• After grace period, data may be deleted

7. Refund Process

7.1 How to Request Refund

1. Email: refund@p-bill.com
2. Subject: "Refund Request - [Your Mobile Number]"
3. Include: Transaction ID, Payment date, Reason
4. Attach: Payment screenshot

7.2 Refund Timeline

Step	Timeline
Request Review	1-2 business days
Approval/Rejection Email	3 business days
Refund Processing	5-7 business days
Bank Credit	7-10 business days total

7.3 Refund Method

• Refunded to original payment method only
• Bank account: Direct transfer
• Card: Credit back to card
• UPI: Credit to UPI ID

8. Upgrade/Downgrade

Currently, only one plan available (₹600/year). Future plans:

• If multiple plans introduced, upgrade/downgrade allowed
• Price difference adjusted pro-rata
• Changes effective immediately

9. Special Circumstances

9.1 Business Closure

• If you close your business permanently
• Provide proof (GST cancellation certificate)
• Pro-rated refund may be considered (case-by-case)

9.2 Service Discontinuation

• If we discontinue PBILL service
• You'll be notified 90 days in advance
• Full refund for unused period
• Data export assistance provided

10. Disputes

In case of payment disputes:

1. Contact support@p-bill.com first
2. We'll resolve within 7 business days
3. If unresolved, escalate to JTAX2022@GMAIL.COM
4. Final decision within 15 days

11. Contact for Refunds

• Refund Requests: JTAX2022@GMAIL.COM
• Support: JTAX2022@GMAIL.COM
• Phone: +91-9700846722
• Response Time: 24-48 hours

12. Policy Changes

We may update this policy with 30 days' notice. Existing subscriptions not affected by changes.