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. Payments for prepaid plans are processed through Razorpay using the payment methods shown at checkout. By purchasing a plan, you agree to this policy along with our Terms of Service.

2. Plan and Voucher-Credit Purchases

• Plan and voucher-credit purchases are prepaid. Once credits have been granted or used, the purchase is generally non-refundable, except as stated in this policy or required by applicable law.
• Plan credits are valid for 365 days from the date of purchase. Each plan purchase creates its own batch with its own 365-day validity; credits are spent oldest-expiry-first. Expired credits are not refunded and are not extended.
• If you permanently delete your account, unused plan or voucher credits may be forfeited without a refund, subject to applicable law.

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 Credits Not Granted: Razorpay or the banking network confirms the payment, but the purchased plan or voucher credits are not reflected within 24 hours and support cannot resolve the issue.
• Erroneous or Unauthorised Charge: a payment was processed without a corresponding user action and is verified as anomalous or unauthorised.
• Charged but not credited by our own check: in a small number of cases we capture a payment and then decline to grant credits — for example because the price quote expired before the payment completed, or because a higher plan was already active on your account. We detect this ourselves and raise an alert on your account. You do not need to ask for the refund: we return the full amount to the original payment instrument and issue a GST credit note against the invoice. If you see such an alert and no refund within 7 working days, email us with the payment reference.
• Payment debited but not received: your account was debited but Razorpay reports the payment as failed. Banks normally reverse such debits automatically within 5–7 working days. If it has not reversed after 7 working days, send us the payment reference and we will pursue it with Razorpay on your behalf.

Time limit: raise a refund request within 30 days of the payment date. We will still look at a later request where a bank or card dispute is already open, but recovery becomes materially harder once the gateway's own refund window has closed.

4. Processing Accuracy & Refund Review

The Service uses deterministic parsing and AI-assisted extraction to process bank statements, purchase/sales registers, and GST reports. While we continuously improve the system, 100% accuracy cannot be guaranteed in all cases due to factors including:

• scan quality or low-resolution documents,
• unusual or non-standard statement layouts,
• incomplete source data, or
• unsupported formats.

Every AI-assisted result remains reviewable before a voucher is pushed, and should not be treated as a substitute for professional verification.

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 a processing result is materially incorrect, they may request a review by emailing us with:

• the transaction/payment reference,
• the affected upload or voucher,
• description of the issue, and
• supporting screenshots or evidence.

After review, we may, at our sole discretion:

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

Minor 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 for duplicate or failed payments 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 appropriate and with the user's agreement, we may restore voucher credits instead of issuing a cash refund.
• A GST credit note is raised against the original tax invoice for every approved refund and appears under Billing → Invoices. If you do not see it within 7 working days of the refund, email us with the payment reference and we will issue it.
• 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 youraiaccountant@taxoneadvisory.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, credit records, invoices, and communication history as evidence.
• Accounts associated with unresolved chargebacks may be temporarily suspended during investigation.
• Opening a dispute does not by itself freeze your voucher credits. If the dispute is decided against us, the unused credits granted by that payment are reversed, because the payment for them has been taken back. Credits from other purchases are not affected.
• Any dispute arising under this policy shall be subject to the exclusive jurisdiction of the courts at Vijayawada, Andhra Pradesh, India.

8. Cancellation

Your AI Accountant does not currently operate on recurring subscription billing. Plan purchases 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 plan or voucher credits 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: youraiaccountant@taxoneadvisory.com