Refund & Cancellation Policy

1. Subscription and Payment

ReferralCRM may offer its services under different subscription plans, billing periods, pricing structures, or promotional offers. The applicable subscription fee, billing frequency, taxes, and other charges will be displayed to you before you complete your purchase. By completing a subscription or payment, you authorize the applicable payment service provider, including Razorpay or another authorized payment gateway, to process the payment according to the selected plan and billing arrangement.

All prices displayed by ReferralCRM are subject to applicable taxes and statutory charges unless specifically stated otherwise. The Company reserves the right to modify its pricing, plans, features, or subscription structure from time to time. Any changes to an existing subscription will be communicated or applied in accordance with the applicable terms of the subscription.

2. Cancellation by Customer

You may cancel your ReferralCRM subscription at any time by using the cancellation option available within your account, where provided, or by contacting us at rbcclubindia@gmail.com.

Cancellation of a subscription will generally prevent the subscription from renewing for the next billing period. Unless otherwise stated at the time of purchase, cancellation does not automatically entitle the customer to a refund for the current billing period. You may continue to access the paid features of ReferralCRM until the end of the period for which payment has already been made, subject to the terms of your subscription and any applicable suspension or termination provisions.

3. Refund Policy

Payments made for ReferralCRM subscriptions are generally non-refundable, except where a refund is required by applicable law or where the Company determines that a refund is appropriate under the circumstances.

A refund may be considered in situations such as a duplicate payment, an incorrect charge caused by a technical or billing error attributable to the Company, or where a refund is otherwise required under applicable law. Refund requests based solely on non-use of the Service, change of mind, failure to use particular features, or cancellation after the commencement of a subscription period may not be eligible for a refund.

Where a promotional offer, free trial, introductory price, or special subscription condition specifies a different refund or cancellation arrangement, the specific terms presented at the time of purchase will apply.

4. Refund Request

To request a refund, you must contact us at rbcclubindia@gmail.com and provide sufficient information to identify the relevant transaction, such as the registered email address, transaction reference or order ID, subscription details, date of payment, and reason for the refund request.

We may review the transaction and request additional information where reasonably necessary to verify the request and prevent fraudulent refund claims. Submission of a refund request does not guarantee that a refund will be approved.

5. Refund Processing

If a refund is approved, we will initiate the refund through the original payment method or through the applicable payment gateway, wherever reasonably possible. The time required for the refunded amount to appear in your bank account, card account, UPI account, or other payment instrument may depend on the payment gateway, bank, card network, or financial institution involved.

ReferralCRM and Techguard Digital Solutions Pvt Ltd are not responsible for delays caused by banks, payment gateways, card networks, UPI systems, or other financial institutions after a refund has been successfully initiated by us.

6. Failed or Unsuccessful Transactions

If an amount has been debited from your bank account or payment instrument but the ReferralCRM subscription or transaction was not successfully activated due to a technical or payment-processing issue, please contact us at rbcclubindia@gmail.com with the relevant transaction details.

We will verify the transaction and, where appropriate, either activate the applicable subscription or initiate a refund in accordance with the circumstances and applicable payment-provider procedures.

7. Duplicate Payments

If you believe that you have been charged more than once for the same ReferralCRM subscription or transaction, please contact us at rbcclubindia@gmail.com with the relevant transaction references. After verification, any confirmed duplicate charge may be refunded to the original payment method, subject to applicable payment-processing procedures.

8. Cancellation or Termination by the Company

Techguard Digital Solutions Pvt Ltd reserves the right to suspend, restrict, or terminate access to ReferralCRM where reasonably necessary, including in cases of violation of the applicable Terms and Conditions, fraudulent activity, misuse of the Service, non-payment, security concerns, unlawful activity, or circumstances where continued provision of the Service is not reasonably possible.

If the Company terminates a paid subscription without cause attributable to the customer and where applicable law or the circumstances require a refund, the Company may provide a prorated or appropriate refund for the unused portion of the relevant subscription period.

No refund will ordinarily be provided for termination resulting from the customer's violation of the applicable terms, fraudulent activity, misuse of the Service, or unlawful conduct, except where required by applicable law.

9. Automatic Renewal

Where ReferralCRM offers automatically recurring subscriptions, the subscription may renew automatically at the end of each billing period unless cancelled before the renewal date. The applicable renewal amount and billing frequency will be communicated as part of the subscription process.

Customers are responsible for cancelling recurring subscriptions before the next billing date if they do not wish to continue the subscription. A cancellation made after a renewal payment has been successfully processed may not automatically qualify for a refund.

10. Changes to Plans or Services

The Company may modify, discontinue, upgrade, downgrade, or change features included in ReferralCRM plans from time to time. Where such changes materially affect an existing paid subscription, we may provide appropriate notice where required.

Changes to a subscription plan requested by the customer may result in changes to the applicable subscription fee, billing cycle, features, or access rights.

11. Taxes and Transaction Charges

Any applicable government taxes, including GST or other statutory charges, may be included in or added to the applicable subscription price as required by law. Payment gateway charges, banking charges, currency conversion charges, or other third-party transaction fees may also apply where applicable.

Where a refund is issued, the treatment of taxes and third-party transaction charges will be subject to applicable law, the nature of the transaction, and the policies of the relevant payment provider.

12. Contact Us

If you have any questions regarding subscriptions, cancellations, payments, or refunds, please contact:

Techguard Digital Solutions Pvt Ltd
Product: ReferralCRM
Email: rbcclubindia@gmail.com

We will review payment, cancellation, and refund requests and respond within a reasonable period.