Cancellation & Refund Policy

This Cancellation & Refund Policy applies to paid Fin Pager subscriptions and other digital Fin Pager services purchased directly from Terbaiks Innovative Solutions LLP through our website, application, authorised payment page, invoice, or sales process.

Purchases made through a separate reseller, app store, or marketplace are also subject to that provider’s billing and refund process.

Fin Pager is a digital software service. No physical product is shipped, so physical shipping charges, shipping timelines, and returns of goods do not apply.

Paid access is ordinarily activated electronically after successful payment confirmation and any required account, business, or security verification. Activation is linked to the registered Fin Pager account or organisation. If payment succeeds but access is not activated within 24 hours, contact support with the payment reference.

You may request cancellation of a recurring subscription through any available billing control or by emailing support from your registered email address before the next billing date.

• Cancellation prevents the next renewal after it is processed.
• Your paid access ordinarily continues until the end of the already-paid billing period.
• Deleting the app, stopping use, removing a device, or deactivating a user does not by itself cancel an organisation’s paid subscription.
• One-time plans expire at the end of their stated duration and do not renew unless expressly shown at purchase.

A full or partial refund may be approved after verification when:

• the same order was charged more than once;
• payment was captured but the purchased service could not be activated due to a verified Fin Pager technical error that we could not resolve within a reasonable time;
• an incorrect amount or plan was charged because of a confirmed Fin Pager billing error;
• a first-time paid subscription is cancelled within 7 calendar days of purchase, provided there has not been material usage, data export, team rollout, or consumption of paid limits; or
• a refund is otherwise required under applicable law or expressly committed in a written commercial proposal.

Approval is not automatic. We may review account activity, activation status, usage, payment records, support history, and the reason for the request.

Unless required by law or agreed in writing, refunds are normally not provided for:

• renewal charges where cancellation was requested after the new billing period began;
• partially used billing periods, unused days, inactive team members, or a change of mind after material use;
• failure to cancel before the renewal date when the recurring charge and schedule were disclosed;
• features unavailable because of an unsupported device, browser, network, revoked permission, or third-party outage outside our reasonable control;
• account restriction or termination caused by misuse, fraud, unlawful activity, or material breach of our Terms & Conditions; or
• custom setup, onboarding, migration, integration, training, or other professional services already delivered.

If a payment fails or remains pending, please do not repeatedly pay until you check the payment status in your bank or UPI application and in Fin Pager. A bank debit for a failed transaction may be automatically reversed by the bank or payment network.

For a duplicate successful charge, send both payment references to support. Once verified, the duplicate amount will be refunded to the original payment method. A pending bank reversal is not treated as a Fin Pager refund until the payment status is confirmed.

Email support@terbaiks.com from your registered address, or contact support using your registered mobile number. Include:

• account holder and business name;
• registered email address and mobile number;
• payment date, amount, payment/order ID, and invoice number if available;
• the reason for cancellation or refund; and
• relevant screenshots or support details, without sharing an OTP, UPI PIN, CVV, password, or full card number.

Requests should be made within 7 calendar days of the relevant charge unless the issue is a duplicate payment, an unauthorised transaction, or applicable law permits a longer period.

We aim to acknowledge a complete request within 2 business days and communicate the decision within 5 business days. Complex cases, bank verification, or missing information may take longer.

Once approved, we will initiate the refund to the original payment method, ordinarily within 7 working days. Razorpay, your bank, card network, or UPI provider may take approximately 5–7 working days after initiation to reflect the amount. Banking timelines are outside our direct control.

Refunds are normally sent only to the original payment source. We do not ask for a UPI PIN, OTP, CVV, or password to process a refund. Tax amounts and credit-note treatment will be handled as required by applicable law.

When a full refund is approved, paid plan access may end when the refund is approved or processed. For a partial refund, we may adjust the plan, usage limits, credits, or service duration to match the retained payment.

If you believe a transaction was unauthorised, immediately contact your bank or payment provider and notify Fin Pager support. We will reasonably assist with transaction information after identity verification. Starting a chargeback after receiving a refund may delay resolution; please tell us if a bank dispute is already open.

We may update this policy for plan, payment, legal, or operational changes. The policy applicable on the transaction date will ordinarily govern that purchase unless a later version is required by law or is more favourable to you.

• Email: support@terbaiks.com
• Phone: +919039240491
• Provider: Terbaiks Innovative Solutions LLP
• Provider website: terbaiks.com