Refund & Cancellation Policy

This Refund & Cancellation Policy ("Policy") sets out the terms governing cancellations and refunds for subscriptions to the Ankastra software-as-a-service product, operated by Ajinkya Technologies ("we", "us", "our"). This Policy is to be read together with the Ankastra Terms of Use and is governed by the laws of India, including the Consumer Protection Act, 2019.

All amounts referenced in this Policy are stated in Indian Rupees (₹).

Ankastra is a digital subscription product delivered over the internet. Access is provisioned electronically and is consumed in real time once your account is activated. There is no physical shipment.

All subscription fees, recurring charges, add-on charges, and one-time setup fees paid towards Ankastra are strictly non-refundable, except where required by applicable Indian law or as expressly set out in this Policy.

This no-refund stance is standard industry practice for SaaS products because:

Access is granted and provisioned immediately upon successful payment. Storage, compute, and infrastructure costs are committed by us on your behalf for the full billing cycle. You may evaluate Ankastra during the free trial period (where offered) before making a paid commitment.

By completing payment, you acknowledge and agree that you waive any right of refund except as provided below.

You may cancel your subscription at any time from within your account settings or by writing to hello@ajinkyatechnologies.in.

Effect of cancellation: Cancellation stops future billing. You will continue to have access to the Service until the end of the then-current billing cycle (monthly or annual, as applicable). No prorated refunds will be issued for the unused portion of any billing cycle. Auto-renewal: Cancellation must be initiated before the renewal date to avoid being charged for the next cycle.

Notwithstanding Section 3, we may, at our sole discretion, consider a refund in the following exceptional circumstances:

Duplicate payment: where you are charged twice for the same subscription due to a technical error, the duplicate amount will be refunded in full. Failed provisioning: where we are unable to activate your account due to a fault solely attributable to us and we cannot rectify the issue within 7 business days of payment. Unauthorised transaction: where a payment is proven to have been made fraudulently from your account without your authorisation, subject to applicable bank and RBI dispute procedures.

All refund requests under this Section must be raised within 7 days of the disputed transaction by writing to hello@ajinkyatechnologies.in with the transaction reference, payment receipt, and a description of the issue.

Where a refund is approved:

It will be processed to the original payment instrument via our payment partner Razorpay. Refunds are typically credited within 7 to 10 business days of approval, subject to your issuing bank's processing timelines. A confirmation email with the refund reference will be sent to the account email on file.

Before initiating a chargeback with your bank or card network, you agree to first contact us at hello@ajinkyatechnologies.in so we may attempt to resolve the issue. Filing a chargeback for a legitimately authorised transaction may result in suspension or termination of your account.

Where a free trial is offered, no payment instrument is charged during the trial period. If you do not subscribe to a paid plan, the trial simply expires. There is no payment, so there is nothing to refund, is involved.

We may amend this Policy from time to time. The "Last Updated" date at the top of this page indicates the latest revision. Continued use of the Service constitutes acceptance of the updated Policy.

Ajinkya Technologies, Billing & Refunds Email: hello@ajinkyatechnologies.in Phone: +91 73494 16661 Address: #429-B/1, Congress Road, Tilakwadi, Belagavi, Karnataka 590006, India

We will acknowledge refund requests within 48 hours and provide a final decision within 7 business days.