Refund & cancellation
Cancel any time. Here's exactly what happens.
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. There is nothing to cancel: a trial does not create a payment mandate, so if you do nothing at all, nothing is billed. Your first payment is only taken when you actively choose a paid plan at (or after) the end of the trial.
When the trial ends without a paid plan, the account pauses: you see a “choose a plan” screen until you pick Starter or Pro, and nothing is billed. Your data stays where it is and is not deleted because the trial ended. Exporting your data and deleting your account stay available. One free trial per person.
2. Cancelling a paid subscription
You can cancel at any time, and there are no retention hoops. Right now cancelling is a one-step email rather than a button: write to ecommerce@smeminds.com from the address on your account and we cancel it the same working day. If you pay by UPI or card autopay you can also revoke the mandate yourself, from your bank or UPI app, which stops any further debit immediately.
We are saying this plainly because the honest version matters more than the tidy one: a self-serve cancel button is not built yet, and we would rather tell you the real mechanism than describe a screen that does not exist. Either route has the same effect, cancellation takes effect at the end of your current billing cycle, you keep full access until that date, we do not cut you off mid-cycle, and you are not 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.
- We do not sell an annual plan. Earlier versions of this page carried refund terms for one, which was confusing on a page whose job is to be exact. If we add annual billing, its terms will appear here before it goes on sale.
- 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.