Refund & Cancellation Policy

Last updated: [Effective date]

This Refund & Cancellation Policy explains how cancellations and refunds work for paid plans offered by [Spexx Technologies legal name] ("Spexx", "we", "us"), with registered office at [Registered office address]. This policy forms part of, and should be read together with, our Terms of Service. By subscribing to a paid plan you agree to the terms set out below.

1. Scope

Spexx provides cloud-based subscription software billed on a recurring basis (for example, monthly or annual plans, and per-branch or per-seat charges). This policy applies to those subscription charges. It does not apply to one-time professional services, custom development, third-party fees, or taxes, except where a refund of such amounts is required by applicable law.

2. Cancellation

You may cancel your subscription at any time from your account billing settings or by contacting us at the addresses below. When you cancel:

• Your cancellation takes effect at the end of your current billing period. You retain access to the paid features until that period ends.
• You will not be charged for the next billing period, and any recurring billing mandate associated with your subscription will be stopped.
• Cancelling does not, by itself, trigger a refund for the current or previous periods, except as described in Section 3.

3. Refunds

Subscription fees are charged in advance for the upcoming period and are generally non-refundable, except where a refund is required by applicable law or where we choose, at our discretion, to issue one. In particular:

• We do not provide refunds for partially used billing periods, for time during which your account was active but unused, or for features you chose not to use.
• At our discretion, we may issue a pro-rata refund for the unused portion of a billing period if you request it within [N] days of the charge, and where the circumstances reasonably warrant it.
• Where we have materially failed to provide the service you paid for, or where a refund is otherwise required under applicable law, we will provide a refund to the extent required.

Approved refunds are credited to the original payment method used for the charge. Processing times depend on your bank or card issuer.

4. Failed and duplicate payments

If you are charged more than once for the same subscription period, or a payment is debited but the corresponding subscription is not activated, please contact us. After verification, we will refund the duplicate or erroneous amount to the source payment method, typically within [5-7] business days. If a payment fails at your bank but an amount is debited, it is usually reversed automatically by the bank or the payment gateway; if it is not, we will assist in resolving it.

5. How to request a refund

To request a refund or report a billing problem, email billing@spexx.in (or grievance@spexx.in). Please include the account or organisation name, the registered email address, the date and amount of the charge, the payment reference or transaction ID, and a short description of the issue. Providing these details helps us verify and process your request quickly.

6. Offline and office payments

Where a payment was made offline, by bank transfer, or at our office rather than through our online checkout, any approved refund will be made to the originating bank account or by the same method, after we verify the payment and the receiving account details. Such refunds may take longer to process than card or online refunds. A valid tax invoice will be issued under our GSTIN [GSTIN] for all paid charges.

7. Chargebacks and disputes

If you believe a charge is incorrect, we ask that you contact us first so we can investigate and resolve it directly. Raising a chargeback or dispute with your bank or card network before contacting us can delay resolution, and we may suspend the affected account while a disputed charge is pending. We will cooperate in good faith to resolve genuine billing errors.

8. Changes to this policy

We may update this policy from time to time to reflect changes in our services, payment processes, or legal requirements. We will post the updated version on this page and revise the "Last updated" date above. Material changes will apply to charges made after the updated policy takes effect.

9. Contact and grievances

For billing questions, refunds, or complaints, contact our Grievance Officer, designated in accordance with the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 and the Digital Personal Data Protection Act, 2023:

This policy is governed by the laws of India. Nothing in it limits any right you may have under the Consumer Protection Act, 2019 or other applicable law.