Refunds & Cancellation Policy

Last updated 22 August 2026

This policy explains when you can cancel a Nivya Fees plan and when you can get your money back. It applies to every paid plan bought through the app.

1. Plans are prepaid, not auto-renewing

Every paid plan is a single upfront payment for a fixed period — one month or one year. We do not store a payment mandate and we never debit your account automatically. When the period ends, your account simply returns to the Free plan until you choose to pay again.

This means there is nothing to “cancel” to stop future charges. If you do nothing, you will not be charged again.

2. 7-day refund on your first paid purchase

If the app is not right for you, you can request a full refund within 7 days of your first ever paid purchase, for any reason. Just email us and ask — you do not need to justify it.

3. Renewals and later purchases

Refunds are not available on renewals or on any purchase after your first one. By that point you have already used the app for a full paid period and know what you are buying.

We make two exceptions, and we will refund you in full for either:

• You were charged twice for the same period.
• A fault on our side made the app unusable for a significant part of your paid period.

4. No partial or pro-rata refunds

We do not refund the unused part of a period. If you stop using the app two months into a yearly plan, the remaining ten months are not refundable — but your plan stays active for the full year, and you can come back and use it any time before it ends.

5. Changing plans

You can move to a higher plan at any time by buying it. The new plan starts immediately and runs for its own full period. Because plans are prepaid and inexpensive, we do not calculate credit for the old plan, so we suggest upgrading near the end of your current period.

6. How to request a refund

Email support@nivya.in from the email address on your Nivya Fees account, and include:

• The plan you bought and roughly when
• The Razorpay payment ID, if you have it — it is in the receipt email

We reply to refund requests within 2 working days.

7. How long a refund takes

Approved refunds are sent back through Razorpay to the original payment method — the same UPI account, card or bank account you paid from. We cannot refund to a different method.

We initiate the refund within 2 working days of approving it. It then usually takes 5 to 7 working days to appear, depending on your bank or UPI provider. That last part is outside our control.

8. Your data if you stop paying

If you want your account and all its data permanently deleted, email us and we will do it. That is irreversible.

9. Questions

Anything unclear, ask us before you pay: support@nivya.in. Full contact details are on our Contact page.