Refund & cancellation

Cancel any time. Here's exactly what happens.

Last updated: 2026-07-11

This policy explains how billing, cancellation, and refunds work for a Saarthi subscription. It complements our Terms of Service (§5, Subscription & billing) and applies to every paid plan purchased through Razorpay.

1. The 14-day free trial

Every new account starts on a 14-day free trial. We don't take any payment to begin the trial, and you are not charged if you cancel before it ends — just close the account from Settings → Subscription and nothing is billed. Your first payment is only taken when you choose a paid plan at (or after) the end of the trial.

2. Cancelling a paid subscription

You can cancel any time from Settings → Subscription — no email, no phone call, no retention hoops. Cancellation takes effect at the end of your current billing cycle. You keep full access until that date; we don't cut you off mid-cycle, and you won't be charged again.

3. Refunds

• Monthly plans: plans are billed monthly. Because you keep access for the full month you've already paid for, partial-month refunds are not issued — you simply won't be charged for the next month once you cancel.
• Annual plans (if offered): cancel within 7 days of the initial purchase for a full refund, provided the account has not been used to generate GST filings or export bulk reports. After 7 days, an annual plan runs to the end of its term and is not refunded on a pro-rata basis.
• Duplicate or failed charges: if you were charged twice for the same period, or charged after a confirmed cancellation, we refund the erroneous amount in full — no questions asked.

4. How to request a refund

Email support@smeminds.com from the address on your account with your registered business name and the Razorpay payment reference. We acknowledge within 2 business days and, where a refund is due, process it within 5–7 business days. Approved refunds are returned to the original payment method via Razorpay; the time it takes to reflect in your account depends on your bank or card issuer.

5. Chargebacks

If something looks wrong on your bill, please contact us first — we'll almost always resolve it faster than a bank dispute. Raising a chargeback without contacting us may result in the account being suspended pending resolution.

6. Questions

Anything unclear? Write to support@smeminds.com or see our Contact page for our grievance channel.