Upgrade, Payment & Refund Policy
This policy explains how plan changes, annual payments, monthly subscriptions, credit packs and refunds work for Kaam & Khata.
Annual Plans
Annual plans are paid once upfront for the full year at 11 months' price. They are not monthly instalment plans.
No Refunds on Annual Plans
Annual payments are non-refundable after successful payment, including cancellation, downgrade, unused months, unused credits, reduced usage or change of mind.
Monthly Plans
Monthly plans are billed in advance for the month. Monthly payments and add-ons are generally non-refundable unless required by law or agreed in writing.
Upgrades
Upgrades may be activated immediately after successful payment. If a customer moves from a lower plan to a higher plan, any commercial adjustment will be shown at checkout or handled manually by Kaam & Khata.
Downgrades
Downgrades apply from the next billing cycle. Downgrading an annual plan does not create a refund for the unused annual term.
Credit Packs
Credit packs stack with the active plan quota for the billing period. Unused credits do not roll over unless specifically agreed in writing.
Failed Payments
If a payment fails, is reversed, is disputed or is charged back, paid access may be suspended until the payment is resolved.
Taxes and Charges
Prices are inclusive of 18% GST unless stated otherwise. Taxes, payment gateway charges, bank charges and statutory deductions are not refundable except where applicable law requires it.