Refund & Cancellation Policy

1. Scope of This Policy

This Refund & Cancellation Policy applies to all paid subscriptions to the Growthh platform, provided by Gyaanmart Knowledge Technology Private Limited ("Gyaanmart", "Growthh", "we", "us", "our"). It should be read together with our Terms of Use and Privacy Policy. Where this policy and the Terms of Use differ on refunds or cancellations, this policy governs.

2. Cancelling Your Subscription

You can cancel your Growthh subscription at any time, at no extra cost, in either of these ways:

3. General Refund Rule

Growthh subscriptions are billed in advance for the billing cycle you choose (monthly or annual). Except where Section 4 applies, amounts already charged are non-refundable — this includes partial or unused portions of a billing cycle, early cancellation, downgrades made mid-cycle, and simply deciding not to use the Service after paying.

This "no refund once billed" approach applies equally to fixed monthly/annual plans and to custom-quoted plans, once payment has been successfully processed via Razorpay.

4. When Refunds Do Apply

We will issue a refund, in whole or in part, in the following situations:

• Duplicate or erroneous charges — you were billed more than once for the same cycle, or charged the wrong amount due to a technical fault on our end.
• Unauthorized transaction — a charge you can demonstrate you did not authorize, subject to our standard verification process.
• Non-delivery of Service — you paid for a plan but were unable to access the core Service due to a fault entirely on our side, and we were unable to resolve it within a reasonable time.
• Legal requirement — a refund is required under applicable Indian consumer protection or payment regulations.

5. Free Trials

If your account is eligible for a free trial, no payment is collected during the trial period. Because nothing is charged upfront, no refund applies to the trial itself. If you do not cancel before the trial ends and choose to continue, standard billing and the refund rules in Sections 3 and 4 apply to charges from that point on.

6. How Refunds Are Processed

Approved refunds are issued to the original payment method through Razorpay, our payment gateway partner. Depending on your bank or card network, refunds typically reflect within 5–10 business days of approval. Gyaanmart does not process refunds in cash, via bank transfer, or to a different account than the one used for the original payment.

7. Failed or Disputed Payments

If a renewal payment fails, we may retry the charge and will notify you by email; access may be restricted until payment succeeds. If you dispute a charge directly with your bank or card issuer (a "chargeback") without first contacting us, we reserve the right to suspend your account while the dispute is investigated, and to recover the disputed amount if the chargeback is later found to be invalid.

8. Custom-Quoted Plans

For accounts on custom, quote-based pricing, any refund terms agreed in writing as part of that quote or order form take precedence over Section 3 for that specific agreement. Absent any such written terms, the general rules in this policy apply.

9. Changes to This Policy

We may update this policy from time to time to reflect changes in our practices or legal requirements. Material changes will be communicated via email or an in-app notice. The updated policy applies to charges made after it takes effect.

10. Contact Us

Questions about a charge, a cancellation, or this policy? We're happy to help.