Refund Policy

1. Scope

This Refund & Cancellation Policy applies to all paid services offered on the Unyfy platform by Unyfy Technologies Private Limited ("Unyfy", "we", "us"), including the Unyfy Pro subscription (earlier called Premium) and digital gift vouchers purchased through the app or website.

2. At a Glance

3. Unyfy Pro Subscription (earlier called Premium)

Unyfy Pro is billed at ₹99/month. You may cancel or pause your subscription at any time, from within the app or by writing to care@unyfy.ai. Cancelling stops future billing, and Pro access continues as described below.

7-day refund: First-time Pro subscribers may request a full refund within 7 days of the initial charge if they have not materially used Pro features (for example, by redeeming the Pro voucher discount on a purchase). Refund requests after 7 days, or for subsequent renewals, are generally not eligible.

If your Pro subscription is paused or cancelled

Once an activated Pro subscription is paused or cancelled, on any day:

• Voucher discount stops immediately. The additional discount that Pro members get on vouchers no longer applies, and your account is treated as a standard (non-Pro) user for voucher purchases from that day.
• Pro membership continues for 30 days from the date you subscribed. On the 30th day your account moves to the standard plan. Until then you can keep using:
  1. Knowing your fixed expenses
  2. Knowing the optimisation opportunities you have
  3. Using AI to talk about your finances
  4. All other Pro features, except the additional voucher discount

If you buy Pro together with a voucher in one order, the voucher part follows the voucher rules in section 4 and the Pro part follows this section.

4. Digital Gift Vouchers

4.1 Final once issued

Digital gift vouchers purchased through Unyfy are delivered instantly and are non-refundable and non-cancellable once issued, in line with brand partner policies. Once a voucher is issued it cannot be returned. For any technical concern, write to care@unyfy.ai with your Order ID.

4.2 Brand terms apply

Each voucher is issued by its brand and carries that brand's own terms and conditions (validity, where it can be used, one-time use and balance rules). Please read the brand's terms before you buy. Once a voucher is purchased, Unyfy is not liable for a refund if it goes unused, expires, or you no longer wish to keep it. An issued voucher cannot be returned, and it is not available for resale or return through Unyfy.

4.3 Mistakes at purchase

Please check the brand, value, email address and mobile number before you pay. A voucher bought for the wrong brand or value, or delivered to the email address or mobile number you entered, is not refundable. You are responsible for keeping your voucher code and PIN safe once delivered. A code that is shared, lost or used by someone else cannot be reissued or refunded.

4.4 Payment captured, voucher not issued

If your payment was captured but the voucher was not issued to you, we will reissue the voucher or refund the amount paid. Please write to us within 7 days with your Order ID.

4.5 Code rejected or defective at the brand

If an issued voucher code is rejected or defective at the brand, write to us with your Order ID. We will raise it with the brand, and the outcome follows the brand's own policy.

5. Failed, Duplicate or Debited Payments

• If money was debited but your order did not complete, the amount is normally reversed to your original payment method by your bank or payment provider, typically within 5–7 business days.
• If you were charged more than once for the same order, we will refund the extra amount once we confirm the duplicate.
• If the reversal has not reached you after 7 business days, write to us with your payment ID or UTR and a screenshot of the debit.

6. Cancellation by Unyfy

We may cancel an order before it is issued, for example if a voucher is unavailable, the supplier fails to deliver, a price was shown in error, or the payment looks unauthorised. In that case you will receive a full refund of the amount paid.

7. How Refunds Are Paid

• Approved refunds are paid to the original payment method only.
• Refunds are processed within 7–10 business days of approval. Your bank may take a few additional days to show the credit.
• We do not refund in cash, to a different account, or as store credit.

8. Chargebacks, Disputes and Unauthorised Transactions

• If you do not recognise a payment or have a problem with an order, please contact us first at care@unyfy.ai with your Order ID so that we can look into it.
• If you raise a dispute or chargeback with your bank or card network, we will respond to it with our records, including the order, payment and voucher delivery records, and this policy.
• If a transaction was authorised by you, or happened because of your negligence (for example sharing your card details, OTP, PIN or UPI credentials, or leaving your device or account accessible to others) and the voucher has been issued or used, the amount utilised is the responsibility of the end user and will not be borne by Unyfy.
• Nothing in this policy limits any rights you have against your bank or card issuer for transactions that you report as unauthorised under the card network and RBI rules that apply to you.

9. Loan Aggregation Services

Unyfy does not charge end users for loan applications submitted through the platform. No refund applies. Any fees levied by partner banks/NBFCs (processing fees, prepayment charges, etc.) are governed by the lender's own policies.

10. How to Request a Refund

Email care@unyfy.ai from the email address linked to your Unyfy account. Include your registered mobile number, Order ID or payment ID, and the reason for the request. We respond to all refund requests within 3 business days.

11. Changes to This Policy

We may update this policy from time to time. The version on this page, with its "Last updated" date, applies to purchases made after that date.

12. Contact

Unyfy Technologies Private Limited
No. 46, 1st Floor, 12th Main Rd HSR,
Bengaluru - 560102, Karnataka, India.
Email: care@unyfy.ai