Refund & Cancellation Policy

Last updated: 21 April 2026

Effective date: 21 April 2026

This Refund & Cancellation Policy applies to all paid subscriptions to DebtZen Pro purchased through the DebtZen mobile application or the website at www.debtzen.in. Read it together with our Terms of Service and Privacy Policy.

1. Plans covered

Prices include applicable taxes unless stated otherwise on the checkout page. We may change prices for future subscriptions; we will not change the price of a subscription term you have already paid for.

2. How to cancel a subscription

You can cancel auto-renewal at any time:

• In the app: Settings → Manage Subscription → Cancel.
• By email: write to debtzen.app@gmail.com from the email or phone number associated with your account.

If you cancel, your Pro features remain active until the end of the period you have already paid for. You will not be charged again for renewals.

3. When refunds are issued

We will issue a full or partial refund in the following situations:

• Duplicate charge. You were charged more than once for the same subscription period due to a payment-gateway or app error.
• Failed activation. You were charged but Pro features were not activated within 24 hours and a support attempt did not resolve it.
• Service unavailable. A material failure on our side made the Service unusable for a meaningful portion of your paid period and we cannot offer a credit or extension that you accept.
• Charge without consent. You did not authorise the charge (for example, an unauthorised use of your payment instrument). You will need to provide reasonable supporting information.

Refunds are at the sole discretion of DebtZen, in line with the principles above. Approved refunds are credited back to the original payment instrument used at checkout.

4. When refunds are not issued

The following situations do not, by default, qualify for a refund:

• You decided you no longer want Pro after the subscription started but Pro features are working as described.
• You did not use the Pro features.
• You are partway through a billing period and want a pro-rata refund for the remaining days.
• You forgot to cancel before auto-renewal. (We will, however, on goodwill, refund a renewal charge if you contact us within 48 hours of the renewal and have not used Pro features in that window.)
• The subscription was paid by a third party and you were not the cardholder.

5. How to request a refund

1. Email debtzen.app@gmail.com from the email or phone number registered to your account.
2. Include: order ID (visible in the app under Settings → Manage Subscription, or in your bank/card statement), date of charge, amount, and a brief description of the reason.
3. We will acknowledge your request within 3 business days.
4. If approved, the refund is initiated within 7 business days. Cashfree and your bank may take an additional 5–10 business days to credit your account.
5. If declined, we will explain why and propose an alternative (such as a credit, extension, or escalation to the Grievance Officer).

6. Chargebacks

If you initiate a chargeback through your card issuer or bank instead of contacting us first, your DebtZen account may be suspended pending investigation. We reserve the right to dispute chargebacks where the underlying claim is inconsistent with these Terms or with our records of your usage.

7. Taxes

If a refund is issued, we will refund the gross amount you paid (including any GST). We do not refund any third-party fees that may have been charged by your bank or card network.

8. Effect of refund on Pro features

If a refund is issued, the corresponding Pro entitlement is revoked at the time of refund. Pro features will no longer be available unless you re-subscribe.

9. Trials and promotional offers

If we offer a free trial or a discounted promotional period, the terms of that offer (including how cancellation and refunds work during it) will be displayed at the point of sign-up. Promotional offers may not be combined unless we explicitly say so.

10. Changes to this policy

We may update this Refund & Cancellation Policy from time to time. The "Last updated" date at the top will reflect the most recent version. Material changes will be communicated via in-app notification or email at least 7 days before they take effect. Charges already made before a change will be governed by the policy in force at the time of charge.

11. Grievances and contact

If you are not satisfied with the response on a refund request, you may escalate to our Grievance Officer in line with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021.

Grievance Officer: DebtZen Grievance Redressal Team
Email: debtzen.app@gmail.com
Support: debtzen.app@gmail.com
Response time: within 30 days of receipt of grievance.