Refund policy

Effective from 7 August 2026. Version 1.0.

This policy forms part of our terms of service. It says plainly when you get money back, when you do not, and how long it takes.

The free trial

Every new account gets 14 days free. We do not ask for a card to start it. Because no card is held, no charge can be taken during the trial, so there is nothing to refund and nothing to cancel to avoid a charge. If the trial ends and you do nothing, paid features simply stop.

Monthly plans

• You can cancel at any time in Settings, then Billing. Cancelling takes effect immediately.
• Your access continues until the end of the period you have already paid for. We do not cut you off on the day you cancel.
• We do not refund part of a month. If you cancel on day 3 of a month you have paid for, you keep the remaining days rather than receiving money back for them.
• Nothing further is charged once you have cancelled.

Annual plans

• Within 14 days of the charge: ask us and we refund the full amount. You do not need to give a reason.
• After 14 days: we do not offer pro-rata refunds for the remainder of the year. You can cancel so that the plan does not renew, and you keep full access until the end of the year you paid for.
• We email you before an annual plan renews, so a renewal never arrives as a surprise. If a renewal is charged and you tell us within 14 days that you did not want it, we refund it in full.

One-off purchases

A one-off assessment and its report are delivered immediately. If the report has not yet been generated, we refund it in full on request. Once the report has been generated and made available to you, we cannot refund it, because it has been delivered. If the report fails to generate, or arrives incomplete or unreadable, we will either fix and reissue it or refund it in full, whichever you prefer.

Institutions

Schools, colleges, NGOs and government programmes buy under a written agreement. Refund and cancellation terms follow that agreement, including any pro-rata or seat-reduction arrangement recorded in it. Where the agreement is silent, this policy applies.

Payments we always refund

• A charge taken twice for the same period.
• A charge taken after you cancelled.
• A charge at the wrong amount, for the difference or in full as appropriate.
• A charge for a period in which the service was unavailable for a sustained time because of a fault on our side.

These need no request from you if we spot them first. We will refund and tell you.

How to request a refund

Email billing@lifecraft.in from the address on the account and tell us the account email, the date and amount of the charge, and what you would like us to do. Do not send us card details; we do not need them and we cannot accept them.

• We acknowledge your request within 2 working days.
• We tell you our decision within 5 working days of receiving the request.
• Once approved, the refund goes back to the original payment method, and it usually appears within 5 to 10 working days. The exact timing is set by your bank or card issuer, not by us.

How the money travels

Payments in India are processed by Razorpay, and payments elsewhere by Stripe. A refund is sent back through the same processor and to the same card, account or method that paid. We cannot redirect a refund to a different account, and we cannot refund in cash or to a wallet that did not make the payment.

Refunds are issued in the currency you were charged in. If your bank converted the currency, the amount you receive can differ slightly because the exchange rate moved between the charge and the refund. Any fee your bank charges for that conversion is outside our control.

If you think a charge is wrong, please contact us before raising a chargeback with your bank. It is almost always faster, and a chargeback freezes the account until the bank completes its process.

Cancelling is not deleting

Cancelling a subscription stops future charges. It does not delete your records, so your history and scores are still there if you come back. If you want your data permanently removed, ask for deletion in Settings, then Data and privacy, or read the privacy policy for what happens next.

Your statutory rights

This policy sits on top of the rights you already have under consumer law in your country, including India’s Consumer Protection Act 2019. Nothing here takes those rights away. If you are unhappy with how a refund was handled, our grievance officer will review it.

Changes

If we change this policy, the version that applies to a payment is the version that was published when the payment was taken. Material changes are announced before they take effect.