Last updated: January 24, 2026
⚠️ India-Specific Policy
This Refund & Cancellation Policy is specifically designed for users located in India and complies with Indian consumer protection laws, including the Consumer Protection Act, 2019. If you are accessing our services from outside India, please contact us for applicable policies for your jurisdiction.
This Refund & Cancellation Policy ("Policy") outlines the terms and conditions under which you may cancel your subscription or seek a refund for services purchased through the fipzo Platform ("Platform") operated by ONORALL TECHNOLOGIES PRIVATE LIMITED ("we," "us," or "our"). This Policy is specifically designed for users located in India and complies with the Consumer Protection Act, 2019 and other applicable Indian laws. By using our Platform, you agree to this Policy. Please read it carefully.
fipzo operates as a Software-as-a-Service (SaaS) platform with a subscription-based business model. Our services are provided on a recurring monthly or annual subscription basis. This Policy applies to all subscription plans, including but not limited to monthly subscriptions, annual subscriptions, and any promotional or trial subscriptions that may be offered from time to time.
Important: As a digital service provider operating in India, our refund and cancellation policies are designed to comply with the Consumer Protection Act, 2019, the Information Technology Act, 2000, and other applicable Indian consumer protection laws while reflecting the nature of our subscription-based SaaS platform. This Policy applies exclusively to users located in India.
Cancellation Window: Cancellation requests will only be considered if the request is made within 7 days of placing the initial subscription order or upgrading to a new subscription tier. This cancellation window applies to new subscriptions and subscription upgrades only. For existing subscriptions, you may cancel at any time, but cancellation will take effect at the end of your current billing period.
Service Activation: However, cancellation requests may not be entertained if the subscription has been activated and service provisioning has been initiated. Once your subscription has been activated and you have gained access to the dashboard and service features, the service is considered delivered. In such cases, you may choose to cancel your subscription, but it will take effect at the end of your current billing period, and you will continue to have access to the service until that time.
How to Cancel: To cancel your subscription, you must contact our customer service team at hello@fipzo.com or through your account dashboard (if available). Cancellation requests must be submitted in writing and include your account information and reason for cancellation. We will process your cancellation request within 2-3 business days of receipt.
Immediate Cancellation: fipzo does not accept cancellation requests for services that have been fully consumed or utilized during the billing period. However, refund or service credit may be made if the user establishes that the quality of the service delivered was materially deficient or not as described, subject to our investigation and verification.
General Refund Policy: Subscription fees are generally non-refundable once the service has been activated and accessed. However, refunds may be considered under the following circumstances:
Indian Consumer Rights: Under the Consumer Protection Act, 2019, Indian consumers have the right to seek redressal for unfair trade practices, defective services, and deficiency in service. If you believe that our service is defective, deficient, or not as described, you may file a complaint with the appropriate Consumer Disputes Redressal Commission. However, for digital services that are immediately provided upon purchase, refund eligibility is subject to the terms outlined in this Policy and our investigation of your specific case.
No Refund Scenarios: Refunds will not be provided for: (a) subscriptions that have been active for more than 7 days; (b) partial billing periods; (c) unused portions of your subscription; (d) cancellation of annual subscriptions after the initial 7-day period; (e) changes in your business needs or circumstances; (f) dissatisfaction with service features that were clearly described at the time of purchase.
Reporting Service Issues: In case of receipt of damaged, defective, or non-functional service features, please report to our customer service team immediately. The request would be entertained once our technical team has checked and determined the issue at its own end. Service quality issues should be reported within 7 days of first experiencing the problem or within 7 days of the service feature becoming available to you, whichever is later.
Investigation Process: Upon receiving your complaint, we will investigate the reported issue within 5-7 business days. We may request additional information, screenshots, or access logs to facilitate our investigation. If we determine that the service was materially defective or not as described, we will provide one of the following remedies: (a) a full or partial refund; (b) service credit for future billing periods; (c) technical resolution of the issue; or (d) an upgrade or alternative service offering.
Service Not as Described: In case you feel that the service received is not as shown on the Platform or as per your expectations, you must bring it to the notice of our customer service within 7 days of receiving access to the service or the specific feature in question. The customer service team, after looking into your complaint and verifying the discrepancy, will take an appropriate decision, which may include a refund, service credit, or resolution of the discrepancy.
Third-Party Service Issues: In case of complaints regarding services or features that depend on third-party integrations (such as WhatsApp Business API), please refer the issue to us first. We will coordinate with the third-party service provider to resolve the issue. However, if the issue is determined to be solely attributable to the third-party service and beyond our control, our liability may be limited as set forth in our Terms of Service.
Refund Approval: In case of any refunds approved by fipzo, it will take 5-10 business days for the refund to be processed to you. The actual time may vary depending on your payment method and financial institution. Refunds will be processed to the original payment method used for the purchase.
Refund Method: Refunds will be issued to the same payment method used for the original transaction (UPI, Credit/Debit Card, Net Banking, or Wallet). If the original payment method is no longer available (e.g., expired card, closed bank account), you must provide alternative payment details including bank account details for NEFT/RTGS transfer. Processing times may be longer for refunds to bank accounts (typically 5-7 business days for NEFT/RTGS).
Currency: All transactions and refunds are processed in Indian Rupees (INR). Refunds will be processed in the same currency as the original transaction. We are not responsible for any fees charged by your bank or payment gateway for processing the refund.
Partial Refunds: In certain circumstances, we may issue partial refunds based on the extent of service usage, the nature of the issue, or as otherwise determined by our customer service team. Partial refunds will be calculated on a pro-rata basis, taking into account the service period used and any applicable fees.
Automatic Renewal: Subscriptions automatically renew at the end of each billing period (monthly or annual, as applicable) unless you cancel before the renewal date. You authorize us to charge your payment method on file for each renewal period.
Cancellation Before Renewal: To avoid being charged for a renewal period, you must cancel your subscription at least 24 hours before the renewal date. Cancellations made after the renewal charge has been processed are subject to the refund policy outlined in Section 2 above.
Price Changes: If we increase subscription prices, we will provide at least 30 days' notice. If you do not wish to continue at the new price, you may cancel before the price change takes effect. If you are charged at the new price without proper notice, you may be eligible for a refund of the price difference.
Failed Renewal Payments: If a renewal payment fails, we will attempt to process the payment again. If payment continues to fail, we may suspend or terminate your subscription. You will not be entitled to a refund for any service period that has already been provided, but you may be eligible for a refund of any prepaid amounts for future service periods if we terminate your subscription due to payment failure.
Free Trials: If we offer a free trial period, you may cancel at any time during the trial period without being charged. If you do not cancel before the trial period ends, your subscription will automatically convert to a paid subscription, and you will be charged according to your selected plan.
Promotional Offers: Special promotional pricing or discounts may be subject to specific terms and conditions. Refunds for promotional subscriptions are subject to the same policies outlined herein, unless otherwise stated in the promotional terms.
Upgrades and Downgrades: If you upgrade your subscription, the new pricing takes effect immediately, and you will be charged the difference on a pro-rata basis. If you downgrade, the new pricing takes effect at the start of your next billing cycle. Refunds are not provided for downgrades, but you will receive service credit for any prepaid amounts.
Chargeback Policy: If you initiate a chargeback or payment dispute with your financial institution, we reserve the right to immediately suspend or terminate your account. We will investigate the dispute and may provide evidence to your financial institution. If the chargeback is resolved in our favor, you will remain responsible for the disputed amount plus any applicable fees.
Dispute Resolution: We encourage you to contact us directly to resolve any billing or service issues before initiating a chargeback. We are committed to working with you to resolve disputes amicably. Chargebacks should only be used as a last resort when we are unable to resolve your concerns through our customer service channels.
Consumer Protection Act, 2019: This Policy is designed to comply with the Consumer Protection Act, 2019 and other applicable Indian consumer protection laws. As a consumer in India, you have rights under this Act, including the right to seek redressal for unfair trade practices, defective services, and deficiency in service. Nothing in this Policy is intended to limit or exclude any statutory rights you may have as a consumer under Indian law.
Consumer Disputes Redressal: If you are not satisfied with our resolution of your complaint, you may file a complaint with the appropriate Consumer Disputes Redressal Commission (District, State, or National Commission) as per the Consumer Protection Act, 2019. Complaints can be filed online through the e-Daakhil portal or in person at the relevant Commission.
Information Technology Act, 2000: Our services are also governed by the Information Technology Act, 2000 and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021. We comply with all applicable provisions of these laws.
Grievance Officer: In accordance with Indian law, we have appointed a Grievance Officer to address your concerns. You may contact our Grievance Officer at hello@fipzo.com for any grievances related to our services.
We reserve the right to modify this Refund & Cancellation Policy at any time. We will notify you of any material changes by posting the updated Policy on this page and updating the "Last updated" date. Your continued use of our service after such changes constitutes acceptance of the updated Policy.
Grandfathered Terms: If we make changes that materially reduce your refund or cancellation rights, we will provide at least 30 days' notice, and the changes will only apply to new subscriptions or renewals after the notice period. Existing subscriptions will continue to be governed by the Policy in effect at the time of your subscription purchase, unless you agree to the updated terms.
For refund requests, cancellation requests, or questions about this Policy, please contact our customer service team:
When contacting us, please include: (a) your account email or business name; (b) the date of your subscription purchase; (c) the reason for your refund or cancellation request; (d) any relevant transaction IDs or invoice numbers; and (e) any supporting documentation or evidence of the issue.
Governing Law: This Policy shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the courts in [City, State], India.
Territorial Applicability: This Policy is specifically designed for users located in India. If you are accessing our services from outside India, please note that this Policy may not apply to you, and you should contact us for information about applicable policies for your jurisdiction.
By purchasing a subscription to fipzo, you acknowledge that you have read, understood, and agree to be bound by this Refund & Cancellation Policy. If you do not agree with any part of this Policy, you should not purchase or use our services. This Policy should be read in conjunction with our Terms of Service and Privacy Policy, which together govern your use of the fipzo Platform.