Refund & Cancellation Policy

Effective date: 16 October 2026 · Last updated: 16 October 2026

Draft for legal review. Items in [square brackets] must be completed before launch.

All payments for InsuDesk are final and non-refundable. Please use the free trial to check that the app suits you before you subscribe. This policy is part of our Terms & Conditions.

1. Free trial

Every new account gets a 7 day free trial with no payment needed, so you can test the app fully before paying. If you do nothing, the trial simply ends and nothing is charged.

2. Paid yearly subscription

After the trial, InsuDesk is offered as a yearly subscription at the price shown in the app at the time of purchase (sample price Rs 4,999 a year; the final price will be shown before you pay). The subscription gives you access for 12 months from the payment date. Your expiry date is shown in the app.

3. No refunds

Once you have paid, we do not give refunds, in full or in part. This applies, for example, if you:

change your mind, or no longer need the app;
did not use the free trial, or did not use the app during the paid period;
forgot to cancel or renew, or bought by mistake;
want to cancel part-way through the year (there is no refund for unused months);
lost access because your account was suspended or ended for breaking our Terms;
had problems caused by your device, internet connection, third-party services, or data entered incorrectly.

By paying you confirm that you have had the chance to evaluate the app during the free trial and that you accept this policy.

4. Cancellation

You can stop using InsuDesk at any time by not renewing, or by writing to us to close your account.
[If the subscription renews automatically: you can cancel renewal at any time before the renewal date, and we will remind you before you are charged. If purchased through Google Play, cancel under Play Store > Payments & subscriptions > Subscriptions.]
Cancelling stops future charges only. Access continues until the end of the period you have paid for, and no money is returned.

5. Charges made in error

The only exception is where the law requires it, or where we have clearly charged you in error, for example the same payment taken twice, or an amount different from the price shown. In that case we will correct the charge and return the extra amount to your original payment method. This is not a refund for change of mind. Tell us within 30 days of the payment so we can check it.

6. If you have a problem

If something is not working, contact us before anything else and we will do our best to fix it. Email Insudesksupport@gmail.com or call +91 9076094316, with your registered mobile number, the payment date, amount and payment reference. We aim to reply within 2 business days. If we have not resolved your issue, you may use the grievance process in our Privacy Policy. Nothing in this policy limits any right you have under the Consumer Protection Act, 2019 or other law that cannot be excluded.

7. Google Play purchases

[If you purchased through Google Play, the payment is handled by Google and Google's own refund rules also apply. We cannot refund purchases made through Google Play ourselves. Remove this section if payments are not made through Google Play.]

8. Changes

We may update this policy. The version on this page when you buy applies to that purchase.