Refund & Cancellation Policy

Last updated: 18 April 2026

1. Overview

This policy governs refunds and cancellations for payments made to Your AI Accountant, operated by Tax One Advisory (OPC) Pvt. Ltd. All payments on the Service are prepaid wallet top-ups processed through Razorpay (UPI, net banking, credit/debit cards). By topping up your wallet you accept the terms below along with our Terms of Service.

2. Wallet Top-ups Are Non-Refundable

  • Wallet credits are prepaid consumable balances. Once a top-up succeeds, the amount is credited to your wallet and is not refundable in cash.
  • Credits do not expire as long as your account remains active, and can be used towards upload processing (Rs. 0.10 / transaction) or on-demand AI categorisation (Rs. 0.20 / transaction).
  • If you delete or permanently erase your account, any remaining wallet balance is forfeited and will not be refunded.

3. Eligible Refunds — Duplicate or Failed Top-ups

We will issue a refund in the following specific cases:

  • Duplicate charge: your card/UPI was debited more than once for a single top-up attempt because of a payment-gateway retry.
  • Payment succeeded but wallet not credited: Razorpay confirmed the transaction but our system did not reflect the balance within 24 hours, and the issue cannot be resolved by re-running our reconciliation.
  • Erroneous charge: a charge was made on your card without a corresponding top-up action by you or a staff member on your account, and Razorpay confirms the payment was anomalous.

4. Processing Timeline (Razorpay SLA)

  • Eligible refunds are processed within 5–7 business days of approval.
  • Refunds are credited back to the original payment instrument only (the card, UPI VPA or bank account used for the top-up). Refunds cannot be redirected to a different account.
  • Razorpay may take additional time depending on the issuing bank. The funds will appear on your card statement or bank account once the bank completes posting.
  • You will receive an email confirmation from Razorpay and from us once the refund is initiated. The email contains the Razorpay refund ID, which you can share with your bank if needed.

5. How to Request a Refund

Email us from the email address on your account, including:

  • Your registered email address.
  • The Razorpay payment ID or order ID (visible in your wallet history).
  • Date and amount of the charge.
  • Reason the refund is being requested (duplicate, not credited, etc.).

Send the request to taxoneadvisory@gmail.com with the subject line "Refund Request – <payment ID>". We acknowledge refund requests within 2 business days and issue a decision within 5 business days of receiving all required information.

6. Chargebacks & Dispute Resolution

  • If you believe a charge is fraudulent or disputed, please contact us first at taxoneadvisory@gmail.com so we can investigate and issue a direct refund where warranted.
  • If a chargeback is raised with your card issuer or bank, we will provide Razorpay with transaction logs (top-up request, payment-gateway receipt, wallet ledger entry) as evidence within the time limits imposed by the card networks.
  • Accounts with unresolved chargebacks may be suspended pending investigation; wallet credits tied to the disputed amount will be reversed.
  • Any dispute arising out of this policy that cannot be resolved directly shall be subject to the exclusive jurisdiction of the courts at Hyderabad, Telangana, India, in line with Section 10 of our Terms of Service.

7. Cancellation

We do not operate recurring subscriptions; every top-up is a one-time prepaid transaction. You may stop using the Service at any time — no further charges will be made. Account closure is self-service through the Settings page. Wallet balance on closure is non-refundable as stated in Section 2.

8. Updates to This Policy

We may revise this policy from time to time. Material changes will be communicated to registered users via email at least 15 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated policy.

9. Contact

For any questions about refunds or billing, email taxoneadvisory@gmail.com.