FinNilai

Refund policy

FinNilai refund & cancellation policy

Last updated: 2026-06-28

1. Free trial

Every new FinNilai workspace gets a 14-day free trial. No credit card is required to start. If you don’t subscribe by the end of the trial, the workspace moves to read-only and is deleted 90 days later unless you reactivate. You will never be charged for the trial itself.

2. Cancellation

You can cancel your subscription at any time from Settings → Subscription. Cancellation takes effect at the end of the current billing cycle — you keep full access until then. Your data is retained for 90 days after the cycle ends so you can export or reactivate.

3. Monthly plans

Monthly subscriptions are non-refundable mid-cycle. If you cancel on day 5 of a 30-day cycle, you keep access for the remaining 25 days; we do not pro-rate a refund. The next billing date is then skipped.

4. Annual plans

Annual subscriptions are eligible for a pro-rated refund within the first 30 days of payment, calculated as:

refund = annual_amount × (days_remaining / 365)

After 30 days, annual plans are non-refundable but cancellation still stops auto-renewal at the end of the annual period.

5. Refunds for service failures

If FinNilai is unavailable for more than 24 consecutive hours due to our infrastructure (not third-party services or maintenance windows announced in advance), we’ll credit a day to your next renewal on request. For severe failures, contact us at contact@finnilai.com and we’ll review case-by-case.

6. Billing disputes

If you spot a charge you didn’t authorise, email contact@finnilai.com within 30 days with the Razorpay payment id and we’ll investigate. If we agree the charge was in error, a full refund is issued within 7 working days via the original payment method.

7. How refunds are processed

Approved refunds are credited via Razorpay to the original payment instrument used. Standard Razorpay refund settlement time is 5–7 working days for credit cards, debit cards, and net banking, and 24–72 hours for UPI. We don’t charge any refund processing fee.

8. What is not refundable

  • Subscription fees for cycles already in progress on monthly plans (you retain access until the cycle ends).
  • Charges incurred via integrations beyond FinNilai’s own fee (e.g. NIC e-invoice transaction fees, GSP charges if applicable).
  • Fees paid more than 30 days ago on annual plans.
  • Accounts terminated by us for breach of the terms of service.

9. Changes to this policy

We may revise this policy from time to time. Changes apply prospectively only — refunds eligible under the policy at the time of your payment remain governed by that version.

10. Contact

Refund questions: contact@finnilai.com. Please include your workspace name and the Razorpay payment id (visible in Settings → Subscription → History).