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Home Legal & Compliance Refund & Cancellation Policy
Fair Billing, 7-Day Guarantee & Cancellation Terms

Refund & Cancellation Policy

Effective: January 1, 2026 Last Updated: September 20, 2026 Version 2.2 Jurisdiction: Bengaluru, India
Terms of Service Privacy Policy Refund Policy Shipping & Delivery
Policy Index
  1. 01Free Tier (Zero Risk)
  2. 027-Day Money-Back Guarantee
  3. 03Ineligible Refund Scenarios
  4. 04Annual Plan Credit
  5. 05Refund Request Steps
  6. 06Self-Serve Cancellation
  7. 07Refund Helpdesk & SLA
Key Refund Guarantees & Protections
Permanent Free Tier

Core ledger, thermal POS invoicing, and WhatsApp reminders are 100% free forever without payment information.

7-Day Money-Back

If unresolved technical hurdles prevent usage within 72 hours, receive a 100% refund on first-time subscriptions within 7 days.

Cancel in 1 Click

Cancel your renewal at any time right inside the application. No sales calls, no lock-in, and zero penalty fees.

Zero Data Deletion

Downgrading to the Free Tier will never erase your existing invoices, customer balances, or inventory catalog.

01

Free Tier: Zero Payment, Zero Risk

MSME Vyapari provides core shop management capabilities—including the digital Bahi Khata ledger, thermal POS billing, WhatsApp payment links, and offline inventory cataloging—completely free of charge. No credit card or advance payment is ever required to access these features.

If you operate on the free tier, no billing or monetary transactions occur. Consequently, this Refund Policy imposes no charges, and you may continue utilizing the free tier indefinitely.

02

Paid Plans: 7-Day Money-Back Guarantee & 15-Day Evaluation

Paid subscriptions unlock multi-device cloud synchronization, staff access role management, geofenced GPS attendance logging, and comprehensive CA GST reports.

7-Day Technical Guarantee

If a technical malfunction impairs your use of a paid capability and our engineering desk cannot resolve the issue within seventy-two (72) hours of notification, you are entitled to a full 100% refund upon request within seven (7) days of initial payment.

15-Day New Subscriber Evaluation

First-time paid subscribers enjoy a fifteen (15) day evaluation window. If our tool does not align with your retail workflow, reach out to our team during this window for a prioritized case-by-case review.

03

What Is NOT Eligible for a Refund

To maintain fair pricing across all Indian merchants, refunds cannot be granted under the following circumstances:

Change of Mind After 7 Days Voluntary cancellations submitted after seven (7) calendar days from the transaction date in the absence of a documented technical fault.
Partial-Month or Mid-Cycle Prorating We do not compute fractional or mid-month cash refunds for days remaining in a standard monthly subscription cycle.
Local Merchant Connectivity Faults Network outages or device operating system failures on the merchant's personal hardware (MSME Vyapari functions 100% offline by architecture).
External Payment Rail Failures Temporary downtime on third-party banking networks, WhatsApp cloud infrastructure, or NPCI UPI server reconciliation.
Terms of Service Violations Accounts suspended or permanently terminated for fraudulent invoice generation, illegal transaction fabrication, or violations of Indian commerce regulations.
04

Annual Plan: Prorated In-App Credit Policy

If you cancel an annual subscription subsequent to the initial seven (7) day guarantee window, all paid features remain active through the scheduled expiration of your annual term. While cash refunds are not issued after seven days, the Company may, at its sole discretion, issue a prorated in-app credit for unused whole calendar months toward future plan renewals or multi-shop expansions.

05

Step-by-Step Refund Request Process

  • Step 1: Transmit an email to support@msmevyapari.in with the subject: Refund Request: [Your Registered Mobile Number].
  • Step 2: Detail the nature of the issue encountered and attach relevant screenshots or error codes.
  • Step 3: Our technical desk acknowledges and investigates all claims within two (2) business days.
  • Step 4: Approved refund transactions are processed within 5 to 7 business days directly back to your original payment method (Bank Account, UPI, or Card).
06

Self-Serve Cancellation Process

You maintain autonomous control over your subscription. Cancel at any time by navigating to Settings → Subscription → Cancel Plan directly inside the application, or by emailing support@msmevyapari.in.

Upon cancellation, premium features remain active until the billing cycle expires. Thereafter, your workspace automatically transitions to the permanent Free Tier. Your stored customer records, transaction histories, and inventory data are never purged or locked due to a plan downgrade.

07

Billing Helpdesk & Statutory Escalation

Customer Protection Compliant
Operating Entity
Celestiq Insights (OPC) Private Limited
Registered under the Companies Act, 2013
Registered Office
FL NO 7B MAPLE, REGENCY, PINNACLE HEIGHTS MESTHRI, P&T Col. Kavalbyrasandra, Bangalore North, Bangalore - 560032, Karnataka, India
Refund Escalation Desk
support@msmevyapari.in
celestiqinsights@gmail.com
Disbursement Turnaround
5 to 7 Business Days
Original Payment Source (Bank / UPI / Card)
Consumer Rights Assurance: In compliance with Rule 5(1) of the Consumer Protection (E-Commerce) Rules 2020, every grievance or dispute concerning subscription charges receives formal written response within forty-eight (48) business hours.
Related Agreement Terms of Service & User Agreement Next Document Shipping & Delivery Policy
MSME Vyapari Logo MSME Vyapari

India's fastest local-first bahi khata, thermal POS billing, and GST compliance operating system for MSMEs and retailers.

A product by Celestiq Insights (OPC) Pvt. Ltd. support@msmevyapari.in

Capabilities

  • Thermal POS Invoicing
  • Digital Bahi Khata
  • WhatsApp Reminders
  • Inventory Management
  • Staff & Multi-Device Sync
  • CA & GST Reports

Free Tools

  • GST Calculator
  • Online Invoice Maker
  • HSN Code Finder
  • GST Invoicing Guide
  • E-Way Bill Guide
  • Digital Ledger Guide

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  • Support & Contact

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  • Terms of Service
  • Privacy Policy
  • Refund Policy
  • Shipping & Delivery
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© 2026 Celestiq Insights (OPC) Pvt. Ltd. All rights reserved.
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