Refund & Cancellation Policy
This Refund & Cancellation Policy explains the rules applicable to cancellation of subscriptions and requests for refunds for paid services offered through the ARZAQ INSIGHTS ecosystem.
1. Purpose & 2. Scope
This policy covers subscription cancellations, renewal cancellations, refund evaluations, duplicate charges, pending payment settlements, free trials, plan changes, and chargebacks for centrally billed ecosystem services.
3. Billing Entity
4. Subscription Cancellation
Users can cancel subscriptions directly via Central Account settings. Cancellation prevents future auto-renewal charges without terminating paid access until the current cycle expires.
5. Cancellation Before Renewal vs 6. After Renewal
Before Renewal: Stops the upcoming charge. The user retains active service benefits through the remaining paid days.
After Renewal: Prevents subsequent cycles. Refunds for already-settled renewal transactions are evaluated based on statutory consumer rules and technical service delivery.
7. Refund Eligibility Criteria
A refund may be issued under the following verified conditions:
- A verified duplicate transaction occurred on the same order.
- A payment was charged incorrectly due to a technical error by ARZAQ INSIGHTS.
- Payment was debited but product access was not activated due to internal gateway failure.
- A mandatory statutory refund requirement applies under Indian consumer law.
* Note: Change of mind after substantial service consumption does not automatically create refund eligibility.
8. Duplicate Payments
If duplicate billing occurs, submit the corresponding transaction IDs or bank reference numbers to support for swift reversal.
9. Failed & 10. Pending Gateway Transactions
If funds are deducted during a failed or pending checkout, banking networks typically auto-reverse the amount within 2–5 business days without requiring manual intervention.
11. Accidental Purchases & 12. Unauthorized Transactions
Review orders carefully before confirmation. Report suspected unauthorized or compromised transactions immediately for prompt security containment and investigation.
13. Refund Method & 14. Processing Timeline
Approved refunds are credited back to the original source payment method (UPI, Net Banking, Credit/Debit card). Banking settlement usually takes 2 to 7 business days depending on the recipient bank.
15. Partial Refunds & Service Adjustments
Where appropriate, partial prorated refunds or billing credits may be granted depending on remaining subscription duration and usage.
16. Free Trials & 17. Promotional Offers
Free trials must be cancelled before trial expiration to prevent recurring subscription charges. Promotional deals are subject to specific campaign refund terms.
18. Upgrades & 19. Downgrades
Plan upgrades apply immediate prorated adjustments. Downgrades take effect at the start of the next billing cycle without cash refunds for past periods.
20. Product-Specific Terms & 21. Account Deletion
Deleting an ARZAQ account terminates active subscriptions permanently and does not automatically entitle the user to refunds.
23. Chargebacks & 24. Refund Abuse Prevention
Users should contact support before filing bank disputes. Fraudulent chargeback claims or systematic refund exploitation may result in account restrictions.
25. Material Service Failure Remedies
In case of prolonged, verified platform outages attributable to ARZAQ INSIGHTS, remedies may include subscription extensions, service credits, or prorated refunds.
27. Mandatory Statutory Consumer Rights
Nothing in this policy limits non-waivable statutory consumer protections available under applicable Indian and international laws.