Effective Date: Jan 14, 2026

Refund and Cancellation Policy

Effective Date: September 17, 2026

At Ledgerely, we strive to provide reliable financial planning, analytics, and AI-assisted services. This Refund and Cancellation Policy explains how refunds, cancellations, and payment disputes are handled depending on the payment method used to purchase Ledgerely services.

By purchasing a Ledgerely subscription, Lifetime plan, or other paid digital service, you acknowledge and agree to this policy, subject to any rights available to you under applicable law.

1. General Refund Policy

Ledgerely provides digital software and services that may become available immediately after purchase.

Except where a refund is required by applicable law or is otherwise expressly approved by Ledgerely, payments for Ledgerely subscriptions, Lifetime plans, and other digital services are generally non-refundable.

The fact that a customer has not used the Ledgerely application, or has used only part of the available features or AI allocation, does not by itself create an entitlement to a refund.

Refund eligibility may depend on:

The payment method used;
The applicable app-store or payment-provider policies;
Whether the payment was successfully completed;
Whether the service was made available as described;
Applicable consumer-protection or other mandatory laws; and
The individual circumstances of the refund request.

2. Razorpay Payments

For purchases made directly through Ledgerely using Razorpay, Ledgerely is responsible for determining whether a refund will be issued, subject to applicable law.

This may include payments for:

Web-based subscriptions;
Lifetime plans;
Other paid Ledgerely services.

Unless required by applicable law or approved by Ledgerely, payments are non-refundable once the purchased service or digital entitlement has been made available.

2.1 Refund Requests

Customers who have made a payment through Razorpay may contact Ledgerely Support to request a refund.

Refund requests will be reviewed based on the circumstances of the transaction. Ledgerely may consider factors including payment status, service availability, account status, and whether the relevant service has been substantially used.

Submitting a refund request does not guarantee that a refund will be approved.

2.2 Approved Razorpay Refunds

If Ledgerely approves a refund, the refund will generally be processed through Razorpay to the original payment method used for the transaction.

Razorpay states that normal refunds are generally processed within approximately 5–10 business days, although the actual time for the funds to appear may depend on the payment method and the customer’s bank or financial institution.

Razorpay supports both full and partial refunds for eligible captured payments.

Razorpay also states that its transaction fee charged at the time of payment capture is not reversed to the merchant for normal refunds. Any refund amount actually provided to the customer will be determined by Ledgerely in accordance with this policy and applicable law.

3. Google Play Billing Purchases

Subscriptions and Lifetime or other in-app purchases made through Google Play Billing are subject to Google’s applicable refund policies and procedures.

Google may provide refunds for eligible purchases, and refund eligibility can depend on factors including the type of purchase, the time since purchase, and the customer’s location. For example, Google states that users may be able to request a refund within 48 hours in certain circumstances; after that period, customers may need to contact the developer regarding the purchase.

Customers who purchased Ledgerely through Google Play may therefore:

Use Google’s refund request process where available; or
Contact Ledgerely Support regarding a purchase-related issue.

Where Google processes a refund, Ledgerely will respect the resulting purchase/refund status and may revoke the associated Ledgerely entitlement.

Google Play refunds are generally returned to the original payment method, and the time required for the refund to appear can vary by payment method and financial institution.

Cancellation of a Google Play subscription does not necessarily constitute a refund. Google generally provides continued access through the current billing period after cancellation, subject to applicable policies and local law.

4. Apple App Store / StoreKit Purchases

Purchases made through Apple’s App Store using Apple’s In-App Purchase / StoreKit system are subject to Apple’s applicable terms, refund procedures, and applicable law.

Apple provides customers with a mechanism to request refunds for eligible App Store and In-App Purchases. Refund requests may be submitted through Apple’s refund system.

For purchases made through Apple, Ledgerely does not independently control Apple’s refund decision or refund processing.

If Apple approves a refund, Ledgerely may receive a corresponding App Store server notification and will update or revoke the associated Ledgerely entitlement where appropriate. Apple provides server-side refund notifications for In-App Purchase transactions, including non-consumable purchases and subscriptions.

Customers seeking a refund for an Apple-billed purchase should use Apple’s refund process or contact Apple where appropriate.

5. Subscription Cancellation

Cancellation and refund are separate processes.

Cancelling a Ledgerely subscription generally prevents future renewal but does not automatically result in a refund for a previously completed billing period.

For subscriptions purchased through Google Play or Apple, customers should use the respective platform’s subscription-management facilities to cancel future renewals.

Where required, Ledgerely will provide appropriate information or access to the relevant subscription-management mechanism.

6. Lifetime Purchases

A Ledgerely Lifetime plan is a one-time purchase that provides access to the applicable Ledgerely plan for the lifetime of the product/service, subject to the terms applicable to the Lifetime plan.

A Lifetime purchase does not constitute a subscription and does not automatically renew.

Lifetime purchases are generally non-refundable once the entitlement has been activated, except where a refund is required by applicable law, an applicable app-store policy, or is otherwise approved by Ledgerely.

If a Lifetime purchase is refunded, Ledgerely may deactivate the associated Lifetime entitlement.

7. AI Usage and Refunds

Certain Ledgerely plans include an allocation of AI usage credits or tokens.

AI usage that has already been consumed may be taken into consideration when evaluating a refund request.

Unused AI allocation does not by itself create an entitlement to a refund.

Where a payment is refunded, Ledgerely may revoke the associated AI allocation and other benefits associated with the purchased plan.

8. Failed, Interrupted, or Duplicate Payments

If a payment appears to have failed, been interrupted, or resulted in a duplicate charge, please contact Ledgerely Support.

Where a payment has been debited from the customer’s account but Ledgerely has not received confirmation of the successful transaction, the payment may require additional processing or reconciliation with the relevant payment provider.

Customers should not make repeated payments solely because the application does not immediately display the updated subscription status.

Where a duplicate payment is confirmed, Ledgerely will investigate and, where appropriate, arrange a refund through the applicable payment provider.

9. Chargebacks and Payment Disputes

Customers are encouraged to contact Ledgerely Support before initiating a chargeback or payment dispute where the issue can reasonably be resolved through customer support.

Ledgerely may provide relevant transaction, subscription, entitlement, and usage information to the applicable payment provider, bank, or platform when responding to a legitimate payment dispute.

10. Changes to Refund Policy

Ledgerely may update this Refund and Cancellation Policy from time to time to reflect changes to its services, payment providers, app-store requirements, or applicable laws.

The updated policy will be published through the Ledgerely website or application with an updated effective date.

11. Contact Us

If you have questions regarding a payment, cancellation, or refund, please contact Ledgerely Support:

Email: support@ledgerely.com
Phone: +91 98848 56788
Address: No. 7 Corporation School 1st Street, Nungambakkam, Chennai – 600034, India

When contacting support regarding a payment, please provide the relevant Ledgerely account information and, where available, the payment/order/transaction ID.