Refund & Cancellation Policy

1. Overview

This Refund & Cancellation 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 or using the Service, you agree to this policy along with our Terms of Service.

2. Wallet Top-ups Are Non-Refundable

• Wallet credits are prepaid consumable balances. Once a top-up is successful, the amount credited to your wallet is generally non-refundable in cash.
• Wallet credits do not expire as long as your account remains active and may be used for supported services available on the platform.
• If you permanently delete your account, any unused wallet balance may be forfeited and will not be refunded.

3. Eligible Refunds — Duplicate or Failed Transactions

Refunds may be approved only in the following situations:

• Duplicate Charge: your card, bank account, or UPI account was debited more than once for the same transaction due to a payment gateway or banking issue.
• Payment Successful but Wallet Not Credited: Razorpay or the banking network confirms the payment, but the wallet balance is not reflected within 24 hours and the issue cannot be resolved through reconciliation.
• Erroneous or Unauthorized Charge: a payment was processed without a corresponding user action and is verified as anomalous or unauthorized.

4. Invoice Processing Accuracy & Refund Review

Our invoice-processing feature uses automated AI/OCR technology to extract and categorise data from uploaded invoices. While we continuously improve the system, 100% accuracy cannot be guaranteed in all cases due to factors including:

• scan quality,
• low-resolution documents,
• image clarity,
• handwritten content,
• incomplete invoice details,
• unsupported formats, or
• inconsistent document structures.

The invoice-processing feature is an assistive automation tool and should not be treated as a substitute for professional verification or review.

Users are responsible for reviewing and verifying all processed outputs before relying on them for accounting, taxation, compliance, filing, audit, or business purposes.

If a user believes that the invoice-processing result is materially incorrect, they may request a review by emailing us with:

• the transaction/payment reference,
• affected invoice(s),
• description of the issue, and
• supporting screenshots or evidence.

After review, we may, at our sole discretion:

• reprocess the invoice,
• provide technical correction/support assistance, or
• issue a partial or full refund where the issue is determined to be substantial and unresolved.

Minor OCR differences, formatting variations, spelling mismatches, narration interpretation differences, or non-material categorisation differences shall not qualify for refunds.

5. Processing Timeline (Razorpay SLA)

• Eligible refunds are generally processed within 5–7 business days after approval.
• Cash refunds (duplicate or failed top-ups) are returned to the original payment instrument used for the transaction (card, UPI, or bank account) and cannot be redirected to a different account or card.
• Where a refund is issued for a service or processing issue, it may instead be credited to your wallet balance.
• Banking partners or card issuers may take additional time to reflect the refunded amount.
• Users may receive a confirmation email from Razorpay once a refund is initiated.

6. How to Request a Refund

Refund requests must be sent from the registered email address associated with the account. Please include:

• Registered email address,
• Razorpay Payment ID / Order ID,
• Date and amount of the transaction,
• Detailed description of the issue,
• Supporting screenshots or documents, if applicable.

Send refund requests to taxoneadvisory@gmail.com with the subject line "Refund Request – <Payment ID>". We generally acknowledge refund requests within 2 business days and aim to issue a decision within 5 business days after receiving complete information.

7. Chargebacks & Dispute Resolution

• If you believe a transaction is fraudulent or disputed, please contact us before initiating a chargeback with your bank or card issuer.
• In the event of a chargeback or payment dispute, we may provide Razorpay, banks, or financial institutions with relevant transaction records, logs, wallet entries, invoices, and communication history as evidence.
• Accounts associated with unresolved chargebacks may be temporarily suspended during investigation.
• Wallet credits associated with disputed transactions may be reversed pending resolution.
• Any dispute arising under this policy shall be subject to the exclusive jurisdiction of the courts at Hyderabad, Telangana, India.

8. Cancellation

Your AI Accountant does not currently operate on recurring subscription billing. All wallet top-ups are one-time prepaid transactions.

Users may stop using the Service at any time. No additional charges will be applied unless a new payment is voluntarily initiated by the user.

Account closure, if supported, will not automatically entitle the user to a refund of unused wallet balances except where expressly provided under this policy.

9. Updates to This Policy

We may revise or update this Refund & Cancellation Policy from time to time. Material changes may be communicated through email, website notices, or platform notifications. Continued use of the Service after such updates constitutes acceptance of the revised policy.

10. Contact

For questions regarding refunds, billing, disputes, or payment-related issues, contact:

Tax One Advisory (OPC) Pvt. Ltd.
Email: taxoneadvisory@gmail.com