Refund Policy

This Refund Policy outlines the terms under which refunds may be issued for subscriptions to Naksha (नक्शा), a privacy-first family financial address book operated by Arthaprapti Fintech Solutions Pvt. Ltd., a company incorporated under the laws of India with its registered office in Ranchi, Jharkhand (DPIIT Recognition No. DIPP250684).

All payments for Naksha are processed securely through Razorpay. By subscribing to any Naksha plan, you acknowledge and agree to this Refund Policy.

1. Overview

At Arthaprapti, we are committed to transparent and fair policies. Naksha operates on an annual subscription model with three plans:

• Raah (राह) — ₹1,499/year +GST for individuals
• Saath (साथ) — ₹2,999/year +GST for couples
• Virasat (विरासत) — ₹4,999/year +GST for families

We believe in earning your trust through the quality of our service. If Naksha doesn't meet your expectations, we want to make things right — and that starts with a clear, fair refund process.

2. Refund Eligibility

You may be eligible for a full refund if the following conditions are met:

• The refund request is made within 7 days of the original purchase date.
• No significant data has been added to your account during this period.

What Counts as "Significant Usage"?

Your account is considered to have significant usage if any of the following actions have been performed:

• Added one or more financial instruments to your Digital Tijori
• Named or configured a Margdarshak (trusted guide)
• Completed a Life Signal check-in cycle
• Uploaded documents to the vault
• Invited family members to a shared plan (Saath or Virasat)

Plan Downgrades

If you wish to downgrade from a higher plan to a lower one (e.g., Virasat to Raah), you will receive a pro-rata credit for the unused months of your current plan, which will be applied toward the cost of your new plan at the next billing cycle.

3. Refund Process

To request a refund, follow these steps:

1. Send an email to info@arthaprapti.com with the subject line "Refund Request".
2. Include your registered phone number and a brief reason for the refund request.
3. Our team will verify your account and eligibility within 2 business days.
4. If approved, the refund will be processed within 7–10 business days to your original payment method.

Please note that actual bank settlement times may vary depending on your bank and Razorpay's processing timelines. We have no control over delays introduced by banking intermediaries.

4. Refund Timeline

Here is the typical timeline for a refund after your request is submitted:

You will receive a confirmation email at each stage of the process. If your refund is not reflected after 10 business days, please contact us and we will investigate promptly.

5. Non-Refundable Scenarios

Refunds will not be issued in the following cases:

• The refund request is made after 7 days from the date of purchase.
• Significant data has been added to your account (as defined in Section 2 above).
• Partial-year cancellations after the first month of the subscription period.
• Plan upgrades or add-ons that have already been activated and used.
• Your account was suspended or terminated due to a violation of our Terms of Service.

6. Plan Changes & Upgrades

Upgrades

You may upgrade your plan at any time. When upgrading, you pay only the pro-rated difference between your current plan and the new plan for the remainder of your billing period. The upgrade takes effect immediately.

Downgrades

Plan downgrades take effect at your next renewal date. The excess amount from your current plan will be credited toward your new, lower-tier plan. No cash refunds are issued for downgrades.

Plan Change Summary

7. Renewal & Cancellation

Annual Renewal

All Naksha subscriptions renew annually on the anniversary of your original purchase date. We will send you renewal reminders via WhatsApp:

• 15 days before your renewal date
• 7 days before your renewal date

Cancellation

You may cancel your subscription at any time. Upon cancellation:

• Your service will continue until the end of your current billing period.
• No partial refund will be issued for the remaining days, weeks, or months of the billing period.
• Your data will remain accessible in read-only mode during the expiry and closure workflow. Retention and erasure are handled according to our Privacy Policy.

To cancel, visit your account settings or email us at legal@arthaprapti.com.

8. Exceptional Circumstances

We understand that life can be unpredictable. In exceptional circumstances, we may consider compassionate refundsat the Company's sole discretion. These may include, but are not limited to:

• Bereavement — death of the primary account holder
• Serious medical emergencies — prolonged hospitalisation or incapacitation
• Financial hardship — documented, genuine financial distress
• Service failures — extended platform outages or data loss attributable to us

Such requests will be reviewed on a case-by-case basis by our support team. Supporting documentation may be requested. Please email info@arthaprapti.com with the subject line "Compassionate Refund Request".

Agent Misconduct Or Enrollment Without Consent

If you believe an agent, aggregator, or partner enrolled you without consent, collected cash, misrepresented Naksha, or used your data improperly, email grievance@arthaprapti.com with your registered mobile number and supporting details. We will treat this as a grievance and review any refund, reversal, commission recovery, or disciplinary action under the published grievance process.

9. Disputes

If you are dissatisfied with a refund decision, we encourage you to resolve the matter through the following escalation process:

1. Contact Us Directly — Email info@arthaprapti.com with details of your concern. Our support team will respond within 2 business days.
2. Razorpay Mediation— If the issue is not resolved to your satisfaction, you may raise a dispute through Razorpay's payment mediation process.
3. Consumer Forum — If the dispute remains unresolved, you may approach the appropriate Consumer Disputes Redressal Forum in Ranchi, Jharkhand, in accordance with the Consumer Protection Act, 2019.

We are committed to resolving all disputes amicably and in good faith. Legal proceedings, if any, shall be subject to the exclusive jurisdiction of the courts in Ranchi, Jharkhand.

10. Contact Information

For any questions, concerns, or requests related to this Refund Policy, please reach out to us:

• Email: info@arthaprapti.com
• Grievance: grievance@arthaprapti.com
• Phone: +91 74796 55531
• Business Hours: Monday–Friday, 10:00 AM – 6:00 PM IST
• Registered Office: Arthaprapti Fintech Solutions Pvt. Ltd., Ranchi, Jharkhand, India

We aim to respond to all refund-related inquiries within 2 business days. For urgent matters, please call us during business hours.