Refund & Cancellation Policy

This policy applies to payments made directly to Refnivo through our payment partner, Razorpay:

• Plan payments by brands — currently Starter (₹999 for 30 days) and Growth (₹2,499 for 30 days).
• Wallet top-ups by brands, used to pay creator commissions and customer rewards on verified orders.

It does not cover products bought from brands through a Refnivo link — see What is not covered.

• Plans are prepaid for a fixed period and do not renew automatically. You are only charged when you choose to buy or renew a plan.
• You can ask for a full refund within 7 days of the payment date. The plan ends when the refund is approved.
• After 7 days, plan payments are not refundable, and the plan stays active until the end of the period you paid for.
• If we cannot provide the service because of a fault on our side for a significant part of your plan period, contact us and we will refund the affected portion or extend your plan.

Because plans do not renew automatically, there is nothing to cancel to avoid future charges — a plan simply ends on the date shown under Billing & Plan in your dashboard. To end a plan early with a refund inside the 7-day window, follow How to request a refund.

Closing your Refnivo account does not by itself refund a payment; request the refund first if you are eligible.

• Unused wallet balance can be refunded at any time on request, to the original payment method.
• Money already used to pay commissions and rewards on orders you verified has been earned by creators and customers, so it is not refundable.
• If you mark a verified order as refunded, the commission and reward for that order are returned to your wallet balance automatically; that returned balance can then be refunded like any other unused balance.

• If a payment fails but money leaves your account, your bank or Razorpay reverses it automatically, usually within 5–7 working days. No plan or wallet credit is given for a failed payment.
• If you are charged twice for the same plan or top-up, the duplicate is refunded in full — tell us and we will process it.

E-mail refnivo45@gmail.com from the e-mail address on your Refnivo account, or use our contact page, with:

• the payment reference shown under Billing & Plan (or the Razorpay payment ID from your receipt);
• whether it is a plan payment or a wallet top-up, and the amount you want refunded;
• the reason (optional, but it helps us improve).

• We review and, if eligible, start the refund within 5–7 working days of your request.
• Refunds go back to the original payment method (UPI, card, netbanking or wallet). Your bank or card network typically credits it within 5–7 working days after that.
• Once processed, the refunded amount is shown on the payment under Billing & Plan.

Refnivo is an online service; nothing is shipped. A plan or wallet top-up is applied to your account as soon as Razorpay confirms the payment — usually instantly — and you can see it under Billing & Plan or Wallet. If a confirmed payment has not been applied within 24 hours, contact us with the payment reference.

• Products bought from a brand through a Refnivo link or campaign. You buy from the brand, so returns and refunds follow that brand's own policy. When a brand records such a refund, the related commission or reward is reversed.
• Creator commissions and customer rewards are earnings, not payments to Refnivo. Payout questions are handled from your Earnings or Rewards page.