Refund and Cancellation Policy

This policy explains how renewal, cancellation, failed payments and refunds work for Niyoos plans. It is part of our Terms of Service. Plans are sold by Loktara Ventures Private Limited (CIN U62099PB2026PTC069238). Payments are processed by Razorpay Payments Private Limited, an RBI-authorised payment aggregator.

1. The short version

• The Free plan needs no payment details and never charges you.
• Monthly plans renew automatically until you cancel. We email you 7 days before every charge with the exact amount.
• Annual plans are one payment for 12 months and do not renew automatically.
• You can cancel any time in the app. You keep your plan until the end of the period you paid for, and you are not charged again.
• Fees for a period that has started are not refundable, except in the cases in section 7 and where the law requires a refund.
• If a renewal payment fails, you have 7 days to pay before your workspace moves to the Free plan's limits. Nothing is deleted.
• During a paid period you can move up (a higher plan, or monthly to annual) with a credit for the days you already paid for. To move to a lower plan, cancel, and choose again when your plan ends.

2. Monthly plans and renewal

2.1 When you buy a monthly plan, you approve a recurring payment mandate on Razorpay's checkout, by UPI Autopay or by card. The plan renews every month on the same date and the mandate is charged the amount shown to you at checkout.

2.2 Our reminder. We email the Admins of your workspace 7 days before every monthly charge, with the date and the exact rupee amount.

2.3 Your bank's notice. Under the Reserve Bank of India's e-mandate rules, your bank or UPI app also sends you a notice at least 24 hours before each debit, and lets you opt out of that debit or cancel the mandate.

2.4 Charges above ₹15,000. Your bank asks you to approve each recurring debit above ₹15,000 (for example, the Scale plan billed monthly). If you do not approve it, the payment fails and section 5 applies.

2.5 Price. The rupee amount is locked for 12 months from purchase. After that, and when you change plan, it is converted again at that day's exchange rate. We tell you the new amount at least 30 days before it applies, and you may cancel before then. See the Pricing and Billing Terms.

3. Annual plans

3.1 Annual plans are available for Starter and Growth. An annual plan is a single payment that covers 12 months (you pay for 11 months).

3.2 It does not renew automatically. We remind you 30 days and 7 days before it ends. If you do not buy again, your workspace moves to the Free plan's limits when the 12 months end. Nothing is deleted.

4. Launch offer

4.1 The launch offer gives 50% off the first 3 months of a workspace's first paid monthly plan. It is charged as one payment at checkout covering those 3 months. The full monthly price is charged from the start of month 4, on the date shown at checkout, and renews monthly after that.

4.2 The offer cannot be combined with an annual plan and applies once per workspace.

4.3 If you cancel during the 3 offer months, you are not charged again, and you keep the plan until the end of the 3 months. The upfront payment is not refunded, except under section 7.

5. Failed payments

5.1 If a monthly renewal fails, we email you on the first, fourth and seventh days and show a notice in the app. Your plan continues for 7 days while you pay. An Admin can pay from the Plan and usage page at your locked price, the same amount the failed renewal would have charged; your plan then renews monthly at that price.

5.2 From the 8th day, your workspace has the Free plan's limits until you pay:

• no new Agents or Members above the Free plan's limits;
• AI calls are refused once the workspace passes 10,000 billable requests in the calendar month;
• automatic loop stops act as alerts on the Free plan, except stops you had already set while on your paid plan, which keep working.

5.3 Nothing is deleted. Agents and Members you already have keep running. The kill switch and spending limits always work. Paying restores your plan straight away.

6. Cancelling

6.1 How. An Admin can cancel in the app, on the Plan and usage page, in two clicks. The app confirms the cancellation and shows the date your plan ends. You can also email support@niyoos.com from an Admin's address and we will cancel it for you.

6.2 What happens. You keep your plan until the end of the period you have paid for. You are not charged again. After that, your workspace moves to the Free plan. Your data stays, subject to the Free plan's limits.

6.3 Your mandate. Cancelling in the app tells Razorpay to stop charging your mandate. You can also cancel a mandate yourself at any time in your UPI app or with your bank.

6.4 Annual plans need no cancellation: they end after 12 months unless you buy again.

6.5 Deleting your workspace cancels any paid plan immediately and ends your access straight away. It cannot be undone. No refund is due for the rest of the paid period, except under section 7.

7. When we refund

A fee for a period that has started is not refundable. We refund only in these cases:

How to ask: email support@niyoos.com from an Admin's address with your workspace name and the receipt number. We reply within 7 days. Approved refunds go back to the original payment method within 7 business days of approval; your bank may take 5 to 7 more business days to show the credit.

8. Changing plan

8.1 Upgrading to a higher monthly plan takes effect straight away. You pay the price difference for the days left in the current month, after a credit for what you already paid for those days (minimum ₹1).

8.2 Switching from monthly to annual (Starter or Growth, same or higher plan) takes effect straight away. The annual price is reduced by a credit for the unused days of your monthly period. Your monthly mandate is cancelled.

8.3 Annual Starter to annual Growth takes effect straight away. The Growth annual price is reduced by a credit for the unused part of your Starter year, and a new 12-month period starts.

8.4 From an annual plan to Pro or Scale (monthly) takes effect straight away. The unused value of your annual plan is credited against the new plan: the app shows how long the credit covers and the date and amount of your first monthly charge before you confirm.

8.5 Not available during a paid period: moving to a lower plan, and moving from annual to monthly billing on the same or a lower plan. Cancel instead: you keep your plan until the end of the paid period, then your workspace moves to the Free plan, and you can buy any plan from there.

8.6 Credits are calculated on the amount you actually paid for the unused period (including any launch-offer discount). The app shows the exact amount before you confirm.

9. Chargebacks

If you dispute a charge with your bank instead of contacting us, please email us first: most issues are quicker to fix directly. If a chargeback succeeds, the plan funded by that payment ends.

10. Your legal rights

Nothing in this policy limits any right you have by law that cannot be excluded by contract.

11. Contact and complaints

Billing questions: support@niyoos.com. Complaints: our Grievance Officer, Varun Avhad, at grievance@niyoos.com or +91 96993 51139. See our Grievance Redressal page for timelines.