Refund & cancellation policy

DeciLoan is a digital service. This policy explains how cancellations and refunds work for our plans. Payments are processed securely by Razorpay; we never see or store your card, UPI or bank details.

Monthly and yearly subscriptions (Plus, Business)

• You can cancel at any time from Plan & billing. Cancelling stops the next renewal.
• You keep full access until the end of the period you've already paid for; after that your account moves to the Free plan and your data stays as it is.
• We don't offer refunds for a billing period that has already started, except as described under "Payment problems" below or where the law requires it.
• If a renewal was charged after you cancelled, contact us within 7 days and we'll refund it in full.

One-time purchases (Review)

• A one-time purchase gives access for the number of days shown at checkout. It doesn't renew, so there is nothing to cancel.
• You can request a full refund within 7 days of purchase if you haven't generated a report or bank letter with it.

Payment problems

• If you were charged twice, charged the wrong amount, or charged but didn't get access, contact us and we'll fix it or refund the extra amount in full.
• Approved refunds are returned to the original payment method. Razorpay and your bank usually take 5–7 working days to credit it.

How to request a refund

Email contact-deciloan@integgreat.in from the email address on your DeciLoan account, with the date and amount of the payment. Please don't send card or bank details. We reply within 2 working days.

Deleting your account

Deleting your account cancels any active subscription immediately and permanently removes your data. It doesn't by itself create a refund; if you're eligible under this policy, please request it before deleting.