Refund & Cancellation Policy.

Effective date: 1 October 2026 · Version 1.1

This Refund & Cancellation Policy explains your rights around cancelling your Nishchint account and, once paid plans are introduced, requesting a refund. It should be read together with our Terms & Conditions and Privacy Policy.

The Service is currently offered only to users in India, and is currently free to use.

1. Nishchint is currently free

Nishchint is in early access and is not charging users at this time — see our Get Early Access page for current terms (including the free period offered to early users). Because no payment is collected today, there is nothing to refund. This policy sets out how cancellations and refunds will work once paid plans are introduced, so you know what to expect in advance.

2. Cancelling your account

You can stop using Nishchint and cancel your account at any time:

• In the app, go to Settings > Account > Delete Account, or
• Email admin@nishchint.ai from your registered email address requesting cancellation/deletion.

Cancelling your account stops any future billing (once paid plans exist) from the next billing cycle. What happens to your documents and data after cancellation is described in our Privacy Policy.

3. Future paid plans & subscriptions

If we introduce paid plans, the following will apply, and we will publish the specific pricing and billing terms before you are ever charged:

• Payments will be processed securely by our payment partner, Razorpay. We do not store your card, UPI, or bank details ourselves.
• Paid features will only ever apply if you expressly opt in — you will never be moved to a paid plan without your consent.
• Subscriptions will auto-renew unless cancelled before the renewal date; we will notify you ahead of any renewal or price change.

4. Refund eligibility (once billing begins)

When paid plans are introduced, the following principles will govern refunds:

• Free trials / early-access periods — Since these are offered at no cost, no refund is applicable for the free period itself.
• Duplicate or failed charges — If you are charged more than once for the same billing cycle, or a payment fails but the amount is deducted, you are entitled to a full refund of the erroneous charge.
• Unused subscription time — If you cancel partway through a paid billing cycle, any refund of the unused portion (pro-rated or otherwise) will be governed by the specific plan’s terms, published at the time paid plans launch.
• Technical issues — If a significant part of the Service you paid for is unavailable due to an error on our part and we’re unable to fix it in reasonable time, you may request a refund for the affected period.
• Change of mind — Beyond any statutory cooling-off period we are required to honour under Indian law, refunds for change of mind are at our discretion once a billing cycle has started.

5. How to request a refund

Once paid plans exist, you can request a refund by emailing admin@nishchint.ai with:

• Your registered email/phone number,
• The payment reference or transaction ID (from your Razorpay receipt or bank/UPI statement), and
• The reason for your refund request.

We aim to acknowledge refund requests within 2 business days and resolve them within 7 business days of approval.

6. Refund processing time

Approved refunds will be issued to the original payment method via Razorpay. Once initiated, refunds typically reflect in your account within 5–10 business days, depending on your bank or payment provider’s own processing times, which are outside our control.

7. Disputes & chargebacks

If you believe you’ve been incorrectly charged, please contact us first at admin@nishchint.ai so we can resolve it directly — this is usually faster than raising a dispute with your bank or card network. If a chargeback is raised without first contacting us, we reserve the right to suspend the associated account while the dispute is investigated.

8. Changes to this Policy

We may update this Refund & Cancellation Policy from time to time, including when paid plans are introduced. We will post the updated policy here and revise the effective date. For material changes, we will notify you via the app or website.

9. Contact

Questions about cancellations or refunds:

This document is a working draft prepared to match how the Nishchint application currently works (India-only, no billing yet — the Service is currently free). It sets out the intended refund/cancellation framework ahead of paid plans, referenced from Terms & Conditions, Section 8. It is not legal advice. Before publishing or introducing paid plans, have it reviewed by a qualified Indian lawyer, confirm Razorpay’s own refund-handling timelines, and check applicable Indian consumer-protection requirements (including the Consumer Protection (E-Commerce) Rules).