Refund Policy

1. What this policy covers

This policy applies to all paid subscriptions purchased through the Habstack app — currently "Plus" and "Family" plans, in monthly and annual cycles. Payments are processed by Razorpay Software Pvt Ltd.

This policy does not apply to:

• Free features of Habstack (no money exchanged)
• Referral credits earned through the in-app referral program (these are promotional, not purchased, and have no cash value)
• Funds you transfer from Habstack to a bank account, UPI account, or any third-party savings vehicle — we don't hold those funds; refer to the receiving institution

2. Default rule: no refunds

Each Habstack subscription cycle (e.g., Plus monthly for ₹49) grants you immediate access to the paid features for the entire cycle. Because digital access cannot be "returned" the way a physical product can, our default position is all sales are final.

You are responsible for choosing the plan and cycle that suits you. Please use the free 7-day trial that ships with every install to evaluate the paid features before purchasing.

3. When we DO refund

We grant a full refund in the following cases:

• Duplicate or accidental charge: you were charged twice for the same cycle, or a charge was processed without you completing checkout. We will refund the duplicate within 7 business days.
• Technical failure to deliver: payment was successful but your account was not upgraded due to a bug on our side, and we are unable to fix it within 72 hours of being notified.
• Service outage: Habstack core functionality is unavailable to you for more than 7 consecutive days due to a fault on our infrastructure (excluding scheduled maintenance, third-party outages, or your device / network issues). Refund is pro-rated for the affected days.
• Fraudulent or unauthorised charge: a payment was made using your card / UPI without your authorisation. You must report this within 14 days of the charge, ideally also report it to your bank. Refund issued once verified.
• Material breach of these Terms by us: if we materially breach our own Terms of Service in a way that deprives you of the benefit of the subscription.

We do not issue refunds for:

• Change of mind after purchase
• Failure to use the subscription
• Buyer's remorse about pricing
• Switching between plans (downgrade does not yield a refund of unused time)
• Issues caused by third-party services (Razorpay, your bank, your UPI app) outside our control
• Device-specific issues (e.g., your phone can't open UPI apps, your OS version is too old) where Habstack itself is functioning

4. How to request a refund

To request a refund:

1. Email habstack.in@gmail.com within 14 days of the charge
2. Subject line: Refund request — <your Razorpay payment ID>
3. Include: the payment ID (looks like pay_AbCdEfGhIjKl12, found in your Razorpay SMS / email receipt), the reason for the request, and any supporting screenshots

We aim to acknowledge requests within 2 business days and decide within 7 business days.

5. Processing timeline

If a refund is approved, we issue it through Razorpay back to your original payment method:

• UPI: usually credited within 24 hours
• Credit / debit card: 5–7 business days, subject to your bank
• Netbanking: 5–7 business days

Razorpay sends a refund confirmation SMS / email when the refund is initiated. The actual credit to your account depends on your bank's processing time, which is outside our control.

6. Cancelling a subscription

Habstack subscriptions are one-time charges per cycle and do not auto-renew. There is nothing to "cancel" — your subscription simply expires at the end of the period you paid for. No further charges will occur unless you explicitly purchase another cycle.

If you want to stop receiving the paid features mid-cycle, you can simply continue using Habstack — the paid tier will lapse on its expiry date. We do not pro-rate refunds for unused time within a paid cycle, except in the cases described in section 3.

7. Chargebacks & disputes

If you raise a chargeback with your bank or card issuer without first contacting us, we reserve the right to suspend your Habstack account pending resolution. We strongly prefer direct resolution — most disputes are simple misunderstandings that we can resolve in a day or two over email.

If a chargeback is upheld in your favour we accept the outcome. If the chargeback is rejected by your bank and the original charge stands, we will treat the matter as closed and any Habstack-issued refund offer for the same charge is automatically withdrawn.

8. Contact

All refund requests and questions about this policy go to:

For complaints about how a refund was handled, please escalate to our Grievance Officer (details on the Contact page) before approaching any external authority.