Refund Policy

1. Overview

This policy applies to all subscription payments made for NoteKar's Basic, Moderate, and Advance plans — both monthly and annual billing cycles.

2. Free Trial

All new NoteKar users are entitled to a 7-day free trial of the Moderate plan with full feature access. During the free trial:

• No payment information is required.
• All features of the Moderate plan are unlocked.
• Your data is saved and available when you choose to subscribe.
• If you choose not to subscribe, your account converts to read-only mode and data is retained for 90 days.

Since the trial is completely free, no refund is applicable during or after the trial period.

3. Refund Eligibility

The following scenarios qualify for a full or partial refund:

Scenario	Refund Eligibility	Amount
Cancellation within 48 hours of first-ever paid subscription	✓ Eligible	100% refund
Service downtime exceeding 72 cumulative hours in a billing month	✓ Eligible	Pro-rated refund
Double payment / duplicate charge due to payment gateway error	✓ Eligible	Full duplicate amount
Annual plan cancelled within 14 days of renewal	~ Partial	Unused months prorated
Monthly plan cancelled mid-cycle	✗ Not Eligible	No refund, access continues
Annual plan cancelled after 14 days	✗ Not Eligible	No refund, access continues
Account terminated for Terms of Service violation	✗ Not Eligible	No refund

4. Non-Refundable Cases

The following are explicitly not eligible for refunds:

• Dissatisfaction with WhatsApp's own platform or policies (which are outside NoteKar's control).
• AI transcription errors that were presented in the confirmation message but not corrected by the user before logging.
• Failure to use the service due to lack of a compatible smartphone or reliable internet connection.
• Requests made more than 30 days after the charge date.
• Change of mind after the 48-hour window for new subscribers.
• Requests arising from your customers' inability to pay their dues (NoteKar is a tracking tool, not a payment guarantor).
• Subscriptions that were gifted or purchased as part of a promotional offer at a discounted rate.

5. Annual Plans — Special Terms

Annual plans offer a 20% discount and are structured differently from monthly subscriptions:

5.1 Within 14 Days of Payment

If you cancel your annual plan within 14 days of the payment date, you are eligible for a prorated refund calculated as follows:

5.2 After 14 Days

After 14 days, annual plans are non-refundable. However, you will continue to have full access to your plan until the end of your annual billing period.

5.3 Auto-Renewal

Annual plans do not auto-renew by default. You will receive a renewal reminder via WhatsApp 30 days before expiry, and again at 14 days and 7 days. You must actively renew to continue service.

6. Service Failure Refunds

If NoteKar fails to meet our committed 99.5% monthly uptime SLA, you may be eligible for service credits or a prorated refund:

• Downtime 0–24 hours/month: No refund (within SLA tolerance).
• Downtime 24–72 hours/month: 15% credit applied to your next billing cycle.
• Downtime exceeding 72 hours/month: Full prorated refund for the affected month, calculated based on days of downtime.

To claim a service failure refund, you must submit a request within 15 days of the downtime event with a description and approximate time of the issue.

7. How to Request a Refund

Follow these steps to submit a refund request:

1. Contact Us via WhatsApp

   Send a message to our support number (+91 92747 72201) with the text "REFUND REQUEST" followed by a brief reason.

2. Provide Your Details

   Share your registered mobile number, transaction ID (from the payment confirmation message or email), and the reason for the refund.

3. Verification

   Our support team will verify your request against our records within 2 business days and confirm your eligibility.

4. Approval & Processing

   If eligible, we will initiate the refund. You will receive a confirmation with the expected credit date.

8. Refund Processing Timeline

Once a refund is approved and initiated by NoteKar:

• UPI / Net Banking payments: Credited within 3–5 business days.
• Debit / Credit card payments: Credited within 5–7 business days (depends on your card issuing bank's processing time).
• Refunds are processed to the original payment method only. We do not issue refunds via cash, cheque, or alternative payment methods.

In rare cases involving bank processing delays, it may take up to 10 business days. If you have not received your refund after 10 business days, please contact us for a transaction trace.

9. Disputes & Chargebacks

We strongly encourage you to contact our support team before initiating a chargeback with your bank. Most refund issues are resolved quickly and amicably when raised directly with us.

If you have filed a chargeback without first contacting NoteKar support, we reserve the right to:

• Suspend your account pending resolution of the chargeback.
• Contest the chargeback if the refund request does not meet the eligibility criteria in this policy.

For unresolved disputes, you may approach the Consumer Disputes Redressal Commission under the Consumer Protection Act, 2019, or file a complaint with the RBI Banking Ombudsman (for payment-related issues).

10. Contact for Refund Queries