Refund & Cancellation Policy

1. Overview of Refund Policy

At APNAKHARCHA TECHNOLOGIES, customer satisfaction and transparency are our highest priorities. This Refund and Cancellation Policy outlines the conditions under which refunds and cancellations are processed for services provided via ApnaKharcha.

2. Core Free Services

The standard ApnaKharcha personal daily expense tracker and starter business features are 100% free of charge. Therefore, no refunds or subscription cancellation fees apply to free accounts.

3. Digital Recharges, Bill Payments (BBPS) & API Services

• Instant Digital Fulfillment: Mobile prepaid recharges, DTH top-ups, and utility bill payments are processed digitally in real time.
• Failed Transactions (Auto-Refund): If funds are debited from your bank account or payment method, but the recharge/bill payment fails or operator confirmation is not received within 15 minutes, the deducted amount will be automatically refunded to your original payment source or ApnaKharcha wallet balance within 24 hours.
• Reversal Timeline: Once initiated, banking channel refunds typically reflect in the user's source bank account / UPI within 5 to 7 business days depending on your issuing bank.
• Successful Recharge Non-Refundable: If a recharge or bill payment is confirmed successful by the telecom or utility operator for the specific mobile number or consumer ID provided by the customer, that transaction cannot be cancelled or refunded as services have been consumed.

4. Subscription Cancellation

For any paid SaaS subscription plans or API credits, users may cancel their plan renewal at any time through their account dashboard. Cancellations take effect at the end of the current billing cycle.

5. How to Request a Refund or Support

If you experience any billing discrepancy, double debit, or failed transaction: