Cancellation & Refund Policy

This policy explains how cancellations and refunds work for Bill Nikalo subscription plans (Smart and Power, billed monthly or annually). We want you to be confident before you pay — which is why every new account starts with a free 7-day trial with full Power access, no credit card required.

1. Free Trial First

We strongly encourage you to use the free trial to evaluate every feature before purchasing a subscription. The trial requires no payment method, so there is nothing to refund if you decide Bill Nikalo isn’t right for you.

2. Cancelling Your Subscription

• You can cancel anytime from inside the app, or by emailing support@billnikalo.com.
• Cancellation stops all future renewals — there are no cancellation fees or lock-in periods.
• After cancelling, you keep access to your paid features until the end of the current billing period, after which your account moves to the free plan.
• Your business data remains safe and accessible on the free plan (subject to free plan limits).

3. Refund Window — 7 Days

If you are not satisfied with a paid subscription, you may request a full refund within 7 days of the payment date. This applies to:

• First-time purchases of a monthly or annual plan;
• Renewal payments, where the refund request is made within 7 days of the renewal charge;
• Accidental or duplicate payments.

Refund requests made after the 7-day window will generally not be eligible, but we review genuine cases (such as billing errors or extended service outages) on a case-by-case basis.

4. What Is Not Refundable

• Payments older than 7 days (except billing errors on our side);
• Partial refunds for unused time after the 7-day window — cancelling stops renewal instead;
• Charges arising from your failure to cancel before a renewal date, where the request is made more than 7 days after the charge;
• Any third-party charges (e.g., your WhatsApp Business or telecom costs, hardware you purchase elsewhere).

5. How to Request a Refund

• Email support@billnikalo.com from your registered email address;
• Include your registered phone number or account email, the transaction ID or payment reference, and the reason for the request;
• We acknowledge refund requests within 2 business days.

6. Refund Processing

Approved refunds are processed to the original payment method via our payment partner (Razorpay) within 5–7 business days of approval. Depending on your bank or card issuer, it may take additional time for the amount to reflect in your account. Refunds include the GST charged on the refunded amount, where applicable.

7. Plan Downgrades

You can downgrade from Power to Smart, or from a paid plan to Free, at any time. Downgrades take effect from the next billing cycle; the difference for the current cycle is not refunded outside the 7-day window.

8. Contact

Questions about cancellations or refunds? Reach us at support@billnikalo.com or via our Contact page.