Refund and Cancellation Policy

Thank you for choosing Rushivarya Solutions ("we", "us", "our", or "Company"). This Refund and Cancellation Policy outlines the terms and conditions for refunds, cancellations, and related matters for all purchases made through our mobile application ("App") and website ("Website") (collectively referred to as "Platform").

1. General Refund Policy

Our refund policy varies based on the type of product or service purchased. Please review the specific sections below that apply to your purchase.

2. Subscription Services

2.1 Monthly Subscriptions

• Cancellation: You may cancel your monthly subscription at any time through your account settings or by contacting our support team
• Pro-rata Refunds: If you cancel within the first 7 days of your initial subscription, you are eligible for a full refund
• No Mid-cycle Refunds: Cancellations made after 7 days will not receive a refund for the current billing period, but you will retain access until the end of the paid period
• Auto-renewal: Cancellations must be made at least 24 hours before the next billing cycle to prevent automatic renewal

2.2 Annual Subscriptions

• Cooling-off Period: You may cancel and receive a full refund within 14 days of purchase if you have not actively used the premium features
• Partial Refunds: After 14 days, refunds will be prorated based on unused months, minus a 15% administrative fee
• No Refund After 6 Months: No refunds will be issued if more than 6 months of the subscription period has elapsed
• Feature Usage Consideration: Extensive use of premium features may result in reduced refund amounts or refusal

2.3 Trial Periods

• Free trial periods may be offered for certain subscription plans
• You must cancel before the trial period ends to avoid being charged
• If charged after a trial period, the 7-day refund policy for monthly subscriptions applies

3. One-Time Purchases and Digital Products

3.1 Software Licenses

• 14-Day Money-back Guarantee: Full refund available within 14 days if the product has critical bugs or does not function as described
• Technical Issues: Refunds will be considered if we cannot resolve technical issues within a reasonable timeframe (typically 7 business days)
• Downloaded Content: Once downloaded and activated, licenses are generally non-refundable unless there are legitimate technical issues

3.2 Premium Features and Add-ons

• Refunds available within 7 days of purchase if features are not as described
• No refunds for change of mind or buyer's remorse after activation
• Technical malfunction refunds will be processed within 5-7 business days of verification

3.3 Digital Content and Templates

• Once downloaded or accessed, digital content is non-refundable
• Refunds may be considered if content is significantly different from description
• Corrupted files will be replaced at no charge; refunds available if replacement is not possible

4. Professional Services

4.1 Consulting and Custom Development

• Deposit: Initial deposits (typically 30-50%) are non-refundable once work has commenced
• Milestone-based Refunds: Refunds for incomplete work will be calculated based on completed milestones
• Cancellation Fee: Cancellations after project commencement may incur a 25% cancellation fee on remaining balance
• Completed Work: Payment for completed deliverables is non-refundable

4.2 Training and Support Services

• Full refund available if cancelled 48 hours before scheduled session
• 50% refund if cancelled 24-48 hours before scheduled session
• No refund for cancellations less than 24 hours before session or no-shows
• Unused prepaid support hours may be refunded pro-rata within 90 days of purchase

5. Non-Refundable Items and Services

• Promotional or discounted items purchased during sales events (unless defective)
• Third-party services or products resold through our Platform
• Domain registrations and SSL certificates
• Transaction fees and payment processing charges
• Services already rendered or completed
• Purchases made using promotional credits or gift vouchers
• Custom development work that has been delivered and accepted
• Data migration or import services once completed

6. Refund Eligibility Criteria

To be eligible for a refund, you must meet the following conditions:

• The refund request must be made within the applicable timeframe specified above
• You must provide a valid reason for the refund request
• You must provide proof of purchase (order ID, transaction ID, or receipt)
• The product or service must not have been excessively used or consumed
• You must not have violated our Terms of Service
• Your account must be in good standing without any history of abuse or fraud

We reserve the right to deny refund requests that:

• Are made outside the specified refund period
• Involve products or services that have been fully utilized
• Are suspected to be fraudulent or abusive
• Violate our Terms of Service or Acceptable Use Policy
• Involve accounts with a history of excessive refund requests

7. Refund Process and Timeline

7.1 How to Request a Refund

1. Log in to your account and navigate to "Orders" or "Subscriptions"
2. Select the purchase you wish to refund and click "Request Refund"
3. Complete the refund request form with detailed reason
4. Alternatively, email us at refunds@rushivaryasolutions.in with your order details
5. Include: Order ID, date of purchase, reason for refund, and supporting documentation if applicable

7.2 Processing Timeline

7.3 Refund Methods

• Original Payment Method: Refunds will be processed to the original payment method used for purchase
• Credit Card/Debit Card: 5-10 business days for credit to appear
• Net Banking: 3-7 business days
• UPI/Wallets: 2-5 business days
• Bank Transfer: For large amounts, direct bank transfer may take 7-14 business days

8. Cancellation Policy

8.1 Subscription Cancellation

• You may cancel your subscription at any time through your account dashboard
• Cancellation takes effect at the end of the current billing period
• You will retain access to paid features until the end of the billing period
• No partial refunds for mid-cycle cancellations (except as specified in Section 2)
• Cancelled subscriptions can be reactivated, but promotional pricing may not apply

8.2 Service Appointment Cancellation

• 48+ hours notice: Full refund or free rescheduling
• 24-48 hours notice: 50% refund or rescheduling with 25% fee
• Less than 24 hours: No refund, rescheduling subject to 50% fee
• No-show: Full charge applies, no refund

8.3 Our Right to Cancel

We reserve the right to cancel orders or services in the following circumstances:

• Technical issues preventing service delivery
• Pricing errors or system glitches
• Suspected fraudulent activity
• Violation of Terms of Service
• Non-payment or payment failure
• Force majeure events beyond our control

In such cases, you will receive a full refund within 7-10 business days.

9. Technical Issues and Service Failures

9.1 Platform Downtime

• For planned maintenance, we will provide advance notice; no refunds for scheduled downtime
• For unplanned outages exceeding 24 continuous hours, affected users may receive pro-rata credit
• Credits will be applied automatically to your account within 15 days
• Downtime must be reported within 48 hours to be eligible for credit

9.2 Feature Malfunctions

• Report technical issues to support@rushivaryasolutions.in within 7 days
• We will attempt to resolve issues within 5 business days
• If resolution is not possible, partial refund may be issued based on impact
• Compensation limited to the amount paid for the affected feature or service

10. Chargebacks and Payment Disputes

10.1 Chargeback Consequences

• Immediate suspension of account and services
• A chargeback fee (typically ₹500-₹2000) may be added to your account
• Permanent ban from the Platform if fraudulent chargeback is confirmed
• Legal action may be pursued for fraudulent chargebacks

10.2 Legitimate Dispute Resolution

• Contact us within 30 days of the transaction
• Provide detailed information about the disputed charge
• We will investigate and respond within 7 business days
• If valid, refund will be processed without chargeback fees

11. Data and Account After Cancellation

11.1 Data Retention

• After cancellation, your data is retained for 90 days in case you wish to reactivate
• You can request immediate data deletion by contacting support
• After 90 days, data may be permanently deleted from active systems
• Backup copies may be retained for legal compliance (up to 7 years for financial records)

11.2 Data Export

• You can export your data before or within 90 days after cancellation
• Data export is available in standard formats (CSV, JSON, PDF)
• Request data export through your account settings or contact support

12. Special Circumstances

12.1 Government Regulations and Compliance

• If government regulations require refunds, we will comply accordingly
• Refunds mandated by consumer protection laws will be honored
• This policy operates in conjunction with Indian consumer protection laws

12.2 Extraordinary Circumstances

• Medical emergencies or serious illness (documentation required)
• Death of account holder (death certificate required)
• Natural disasters or force majeure events
• Military deployment or relocation

In such cases, please contact us with supporting documentation. We will review on a case-by-case basis.

13. Exceptions and Discretionary Refunds

While this policy outlines our standard refund terms, we understand that exceptional circumstances may arise. We reserve the right to:

• Issue discretionary refunds outside normal policy parameters
• Offer partial refunds, credits, or alternative compensation
• Extend refund periods for valid reasons
• Waive certain fees in cases of genuine hardship

Such decisions are made at our sole discretion and do not establish precedent for future cases.

14. Fraud Prevention

Fraudulent Activities Include:

• Multiple refund requests for the same or similar products
• Using services extensively before requesting refunds
• Providing false information in refund requests
• Creating multiple accounts to abuse refund policies
• Requesting refunds after downloading/exporting all data
• Chargeback fraud or payment disputes in bad faith

Consequences of Fraud:

• Immediate permanent ban from all Rushivarya Solutions services
• Forfeiture of all refund claims
• Reporting to relevant authorities and payment processors
• Legal action to recover losses and damages
• Sharing information with fraud prevention databases

15. Contact Information for Refund Queries

Refund Support:

• Email: refunds@rushivaryasolutions.in
• General Support: support@rushivaryasolutions.in
• Phone: +91-XXXX-XXXXXX (Mon-Fri, 9:00 AM - 6:00 PM IST)
• Website: https://rushivaryasolutions.in
• Support Portal: https://support.rushivaryasolutions.in

Expected Response Times:

16. Modifications to This Policy

We reserve the right to modify this Refund and Cancellation Policy at any time. Changes will be effective immediately upon posting to our Platform. We will:

• Update the "Last Updated" date at the top of this policy
• Notify active subscribers via email of material changes
• Post announcements on our website and app for significant modifications
• Maintain previous versions for reference upon request

Your continued use of our Platform after changes constitutes acceptance of the modified policy. Purchases made before policy changes remain subject to the policy in effect at the time of purchase.

17. Governing Law and Jurisdiction

This Refund and Cancellation Policy is governed by the laws of India. Any disputes arising from this policy or refund requests shall be subject to the exclusive jurisdiction of the courts in [Your City/State], India.

18. Consumer Rights

This policy does not affect your statutory rights as a consumer under Indian law, including but not limited to:

• The Consumer Protection Act, 2019
• Information Technology Act, 2000
• Any other applicable consumer protection legislation

If there is any conflict between this policy and applicable consumer protection laws, the law will prevail.

Consumer Dispute Resolution:

• You may file complaints with consumer forums if disputes cannot be resolved
• We are committed to resolving disputes amicably before formal proceedings
• Contact our grievance officer at grievance@rushivaryasolutions.in

Questions or Concerns? We value your business and satisfaction. If you have any questions about our refund policy or need assistance with a purchase, please don't hesitate to contact our support team. We're committed to providing excellent customer service and finding fair solutions.