Billing and Refund Policy

1. Billing Cycles & Automatic Renewals

Paid subscription plans (Lite at ₹299/mo or Pro at ₹499/mo) operate as recurring subscription services starting on the date of purchase.

Automatic Renewal: You agree that we may charge your payment method on a recurring monthly basis without requiring your prior approval for each individual charge, until you cancel your subscription.

Tax Invoicing & GST Compliance: All payments generate official Tax Invoices (or Payment Receipts) with dynamic GST breakdowns (CGST/SGST for Odisha, IGST for other states) based on customer GSTIN input during checkout. Downgrades or cancellations automatically issue zero-balance Subscription Cancellation Receipts for business accounting audit trails.

2. Trial Period & Abuse Prevention

New registered accounts receive a 2-Day Free Trial (48 hours) to evaluate the journal dashboard, AI Coaching, and backtester analytics. When the trial expires, the account is automatically downgraded to the Free Plan limits unless a paid subscription is activated.

Trial Abuse Policy: Free trials are strictly limited to one (1) per individual or trading entity. Creating multiple accounts using temporary emails to repeatedly exploit the 2-Day Free Trial violates our Terms of Service and will result in the permanent ban of all associated profiles.

3. Cancellation & Refund Policy

You can cancel your paid subscription at any time directly through your Profile Settings dashboard. Following cancellation, you will retain full access to your plan benefits until the end of your current billing period.

Cancellation Deadline: To prevent automatic renewal billing, you must cancel your subscription at least 24 hours prior to your next scheduled renewal date. Cancellation requests made after a billing renewal has processed will not result in a refund; your access will remain active until the end of the paid period, and it will not renew again.

Strict No-Refund Policy: Because MyFinanceSheet offers a comprehensive 2-Day Free Trial (48 hours) allowing users to fully test all automated trade journaling features, AI Coach interactions, backtester modules, and broker sync bridges prior to paying, all paid subscription fees are strictly non-refundable.

Exceptions & Double Charges: Exception reviews are only granted in cases of verified technical billing duplicates (e.g. double debit due to network timeout). Approved exception refunds will be credited back to the customer's original payment source (credit card, debit card, or UPI account) within 5-7 business days.

Chargeback Defense & Anti-Fraud Policy: Initiating an illegitimate bank chargeback, payment recall, or payment dispute claiming unauthorized transaction after enjoying the service constitutes a material breach of our terms. In case of any dispute or chargeback initiated through your banking provider without prior informal contact with our billing desk, we reserve the right to immediately suspend your account, blacklist your credentials, and submit full digital audit trails (including registration IP, session timestamps, device IDs, trial usage history, and payment authentication tokens) to banking risk desks and law enforcement authorities to recover owed amounts and dispute administrative costs.

4. Fee Changes & Price Modifications

We reserve the right to modify subscription fees for any paid tiers (Lite or Pro) at our discretion. Any pricing changes will be communicated to you at least 14 days in advance via email or dashboard notifications.

If you do not wish to accept the price change, you must cancel your subscription before the change takes effect. Continuing to use the service after the price change takes effect constitutes your agreement to pay the modified subscription fee.

5. Payment Gateway & Failures

All subscription charges, recurring mandates, and invoice deliveries are managed securely through our integrated payment aggregator partner, Razorpay. MyFinanceSheet does not capture or store your debit/credit card numbers or UPI secrets on our local servers.

Failed Transactions: If your payment method is declined or fails, we reserve the right to suspend or downgrade your account access immediately. We are not responsible for any transaction charges, foreign exchange fees, or overdraft fees levied by your bank or card issuer.

6. Consumer Grievance Redressal & Registered Office

In accordance with the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020, the details of the designated Nodal & Grievance Officer for consumer complaints and billing disputes are provided below:

• Nodal & Grievance Officer: RAVINDRA KUMAR SAHOO
• Entity Trade Name: MY FINANCE SHEET
• Billing Desk Email: [email protected]
• General Support: [email protected]
• Contact Page: https://myfinancesheet.com/contact.html
• Registered Office Address: Kalipoi Bus Stop, HOUSE NO.139, AT-GOPINATHPUR, PO-KALAPATHAR, Karadapalli, Cuttack, Odisha, 754009
• Acknowledgement & Resolution Timelines: Consumer complaints are acknowledged with a ticket reference number within 48 hours and addressed within 30 calendar days of official receipt.