Smart Agent — Refund Policy

1 Scope & Acceptance

This Refund Policy ("Policy") governs all payment, subscription, and refund matters in connection with the Smart Agent application, website, and all associated services (collectively, the "Service") operated by Apna Infotech ("Company," "we," "us," or "our").

By completing any purchase — including subscription plans, plan renewals, plan upgrades, pay-per-use credit purchases, or custom service payments — you ("User," "Subscriber," or "Agent") confirm that you have read, fully understood, and unconditionally agreed to the terms of this Policy. Completion of payment constitutes binding acceptance of this Refund Policy.

This Policy is to be read in conjunction with our Terms and Conditions and Privacy Policy, all of which are incorporated herein by reference.

2 Nature of the Service & Why Our Refund Policy Is Limited

Smart Agent is a 100% digital, cloud-based software subscription service. Unlike a physical product, a software subscription delivers its full value immediately upon activation — the moment your account is enabled, you have complete access to all features included in your plan.

Because of this fundamental characteristic of digital software delivery:

• There is no physical product to "return"
• The subscription's full capability is made available to you the instant it is activated
• Any data you enter, any RC/Challan checks you perform, any reminders you send, or any reports you generate represent real use of the Service's value
• Once a subscription has been accessed, the Company has delivered its service and the consideration for the subscription has been fully provided

3 Subscription Refund Eligibility

Refund requests for subscription purchases will only be considered under the following narrow conditions — all of which must be met simultaneously:

• The refund request is submitted to our support team within 7 (seven) calendar days of the original purchase date
• The account has never been logged into following the subscription purchase
• No data of any kind has been added, modified, uploaded, or viewed within the Service
• No features of any type have been accessed or used under the subscription
• The subscription was purchased at full standard pricing — not during any offer, discount, promotion, or special pricing period
• The plan was not purchased as an upgrade, extension, or renewal of a prior subscription

Meeting the above conditions does not guarantee a refund. All refund requests remain subject to review and are approved or declined at the sole and absolute discretion of Apna Infotech. See Section 12.

4 Non-Refundable Payments — Complete List

The following payments are strictly and unconditionally non-refundable under all circumstances, without exception:

• Activated subscriptions: Any subscription that has been logged into, accessed, or used in any way
• Subscription renewals: All manual and auto-renewed subscription payments, regardless of whether the renewal was intentional or inadvertent
• Auto-renewal charges: Charges processed at the end of a subscription cycle under auto-renewal terms
• Plan upgrades: Payments made to upgrade from one subscription tier to a higher tier
• Plan extensions: Payments made to extend an existing active subscription period
• Promotional or discounted purchases: Any subscription purchased at a reduced price, under a first-year offer, during a sale, or using any promotional code
• RC / Challan check credits: All credit purchases for pay-per-use features, whether used or unused at the time of the refund request
• Custom development and services: All payments for custom integrations, tailored features, or bespoke software work (see Section 7)
• Incorrectly purchased plans: Subscriptions purchased by mistake, at the wrong tier, or for a user who no longer requires the Service
• Change of mind: Refunds are not issued because the User changed their mind, found an alternative, or decided the Service is not suitable after purchase
• Partially used subscriptions: No pro-rata or partial refund will be issued for any unused portion of a subscription period
• Subscriptions terminated for cause: No refund will be issued where the account was suspended or terminated due to policy violations, misuse, or illegal activity
• Voluntarily deleted accounts: Voluntary account deletion does not entitle the User to any refund of remaining subscription value

5 RC & Challan Check Credits

RC and Challan check features operate on a pay-per-use credit basis. Credits are purchased in advance and deducted each time an RC or Challan check is performed through the platform.

• All RC and Challan check credit purchases are non-refundable, regardless of whether the credits have been used or remain unused
• Credits are non-transferable — they cannot be transferred to another account, applied to a subscription payment, or redeemed for cash
• Credits do not expire for the duration of your active subscription. However, credits associated with a terminated, cancelled, or deleted account are forfeited without refund
• The Company is not liable for credits consumed in connection with inaccurate or unavailable government data results. Charges apply to each query submitted, regardless of the quality, completeness, or availability of the result returned by the government database

6 Service Downtime & Technical Issues

Smart Agent is a cloud-based service that, like all software platforms, may occasionally experience periods of unavailability for scheduled maintenance, emergency repairs, or events outside the Company's control. The following do not qualify as grounds for a refund:

• Planned or unplanned server maintenance or system updates
• Temporary unavailability of third-party APIs , payment gateways, or SMS/WhatsApp messaging services
• Network connectivity issues, internet outages, or weak signal on the User's side
• Device compatibility issues, browser conflicts, or operating system-related problems on the User's end
• Issues arising from force majeure events including natural disasters, cyberattacks, power failures, or government-ordered shutdowns
• Brief or infrequent periods of slow performance or degraded functionality

The Company will make commercially reasonable efforts to restore service availability promptly following any downtime. Extended periods of significant unavailability directly attributable to the Company's systems may, at the Company's sole discretion, be addressed through service credit or subscription extension — not through monetary refunds.

7 Custom Development & Special Services

All payments made for custom development work, bespoke integrations, API customization, white-label configurations, personalized feature development, or any other tailored software service are strictly and unconditionally non-refundable under all circumstances.

This is because:

• Custom development involves significant, non-recoverable investment of technical resources, developer time, and infrastructure costs from the point the project commences
• Custom work is tailored specifically to the User's requirements and has no reusable commercial value once developed
• The Company commits resources and forgoes other opportunities upon acceptance of a custom development engagement

8 Account Termination & Policy Violations

No refund of any kind will be issued if an account is suspended, restricted, or permanently terminated as a result of:

• Violation of the Terms and Conditions, this Refund Policy, or the Privacy Policy
• Uploading, entering, or transmitting fraudulent, illegal, unauthorized, or harmful data through the Service
• Attempting to access, probe, exploit, or disrupt the Service or its infrastructure in any unauthorized manner
• Misrepresentation of identity, credentials, or business information during registration or use
• Non-payment of dues, chargebacks on prior transactions, or payment fraud
• Any conduct that, in the Company's reasonable judgment, poses a risk to the security, integrity, or lawful operation of the Service or other users

In such cases, termination of the account — including the forfeiture of any remaining subscription period and all associated credits — is considered a proportionate consequence of the violation. The Company shall bear no liability for any loss arising from such termination.

9 Duplicate Payments & Failed Payment Reversals

The following payment scenarios are treated differently from standard subscription refund requests:

Verified Duplicate Payments

If you are charged twice for the same subscription due to a system or payment gateway error — resulting in two successful payments for a single subscription activation — you are entitled to a refund of the duplicate charge, subject to:

• Verification by the Company that a genuine duplicate charge occurred
• Confirmation that only one subscription was activated from the two payments
• Submission of both transaction IDs and your registered details as evidence

Failed Payment Reversals

If a payment is initiated but the subscription is not activated due to a payment gateway failure — meaning your bank or UPI account is debited but the subscription is not credited — the amount will typically be auto-reversed by the payment gateway (PhonePe) to your original payment method within 5–10 business days in accordance with RBI guidelines and PhonePe's refund timelines.

10 Refund Request Process

If you believe you have a valid refund claim based on the conditions set out in this Policy, you must submit a formal refund request to our support team. Follow these steps:

11 Refund Processing Timeline

For approved refunds, the following timelines apply:

• Approval notification: Within 7–10 business days of receiving all required documentation
• Refund initiation: Within 3–5 business days of approval notification
• Credit to original payment method: 7–14 business days from refund initiation, subject to bank and payment gateway processing timelines
• UPI payments: Typically credited within 3–7 business days of refund initiation
• Credit/Debit card payments: May take up to 10–14 business days depending on the issuing bank
• Net banking: Typically credited within 5–10 business days

12 Sole Discretion, Final Decision & No Obligation

All refund requests — including those that appear to meet the stated eligibility criteria — are subject to the sole, absolute, and final discretion of Apna Infotech. The Company reserves the right to:

• Approve or decline any refund request at its sole judgment
• Offer a partial refund, service credit, or subscription extension in lieu of a monetary refund where deemed appropriate
• Request additional verification, documentation, or evidence before making a refund decision
• Reverse a refund approval if subsequent investigation reveals misrepresentation or inaccurate information in the refund request

13 Limitation of Liability

In connection with all payment and refund matters, the Company's liability is strictly limited as follows:

• The Company's maximum liability for any refund claim shall not exceed the actual amount paid by the User for the specific transaction that is the subject of the refund request
• The Company is not liable for any indirect, consequential, incidental, or punitive damages arising from the denial of a refund request, including but not limited to lost business income, anticipated savings, or reputational harm
• The Company is not responsible for any financial loss incurred by the User as a result of auto-renewal charges where cancellation was not effected in advance
• The Company is not liable for delays in refund processing attributable to payment processors, banks, or financial institutions after the refund has been initiated from our systems
• The Company is not liable for any consequential loss arising from the User's decision to continue using the Service pending a refund decision

14 Policy Modifications

Apna Infotech reserves the right to amend, update, or modify this Refund Policy from time to time. Any such changes shall apply prospectively to purchases made after the effective date of the updated Policy. Changes take effect immediately upon publication of the updated Policy at this URL.

• The "Last Updated" date will reflect any changes to this Policy
• Updated refund terms apply to all purchases made after the updated effective date
• Purchases made prior to a policy update are governed by the version of the Policy in effect at the time of purchase, subject to the Company's right to update terms for future transactions
• Continued use of the Service following any Policy update constitutes acceptance of the revised terms
• All refund-related disputes are resolved in accordance with the dispute resolution process outlined in the Terms and Conditions.

15 Contact Us

For all refund-related inquiries, requests, or disputes, please contact our support team: