REFUND POLICY

Worknite — AI-Powered Tax Management Platform

Effective Date: 01 January 2026
Last Updated: 16 June 2026
Version: 2.0 (Comprehensive)

1. OVERVIEW & GUIDING PRINCIPLES

1.1 Our Approach

Worknite is committed to fair and transparent refund practices. We understand that:

• You may need to cancel or switch plans
• Technical issues may disrupt your experience
• You may be dissatisfied with the service
• Mistakes happen (duplicate charges, billing errors)

This policy outlines when we offer refunds and how to request them.

1.2 Key Principle: Subscription-Based Consumption Model

Worknite operates on a monthly subscription model with credit-based consumption:

• You pay upfront for a subscription tier
• Each month, you receive a credit allowance based on your tier
• Using features (build-memory, chat, OCR, draft generation) consumes credits
• Unused credits do NOT roll over to the next month
• Refunds are available only under specific conditions (detailed below)

2. SUBSCRIPTION PLANS & PRICING

2.1 Three Subscription Tiers

Worknite offers three monthly subscription plans (billed in INR):

Current tiers, monthly prices, and credit allowances are published at worknite.in/pricing. Each tier specifies a monthly AI credit allowance, document limits, and support level. Pricing is subject to change with advance notice; see Section 13 (Changes).

2.2 No Free Trial

Worknite does not currently offer a free trial. You begin a paid subscription on signup. The 7-day refund grace period (Section 4.1) is the primary "try it out" window.

3. CANCELLATION POLICY

3.1 How to Cancel

You may cancel your subscription in two ways:

Self-Service (Instant)

1. Log into your Worknite account
2. Go to Settings → Subscription
3. Click Cancel Subscription
4. Confirm cancellation (you'll be asked why; optional feedback)
5. Cancellation takes effect immediately (no more charges)

Email (Within 48 Hours)

1. Email support@worknite.in with subject "CANCEL SUBSCRIPTION"
2. Include your registered email and account details
3. We will process within 48 hours

3.2 Effective Date of Cancellation

• Cancellation is effective immediately
• However, you retain access until the end of your current billing period (see Section 3.3)
• No refund is issued for the current month
• No further charges will be levied after cancellation

3.3 Access After Cancellation

Timeline of access loss:

Example: You subscribe on June 1. On June 15, you cancel. You retain access and credit usage until June 30. On July 1, your account is downgraded to free tier (if available) or locked.

3.4 Downgrade vs. Cancellation

Downgrade (switch to lower plan):

• Takes effect next billing period
• No refund for current period
• Access remains active
• Credits from old plan expire; new plan credits begin next cycle

Cancellation (end subscription):

• Takes effect immediately
• Access continues until end of billing period
• Credits expire at end of billing period
• No further charges

4. REFUND ELIGIBILITY & SCENARIOS

4.1 Refunds Offered (Specific Scenarios Only)

Scenario 1: 7-Day Grace Period (New Subscribers)

Eligibility: You subscribed for the first time and request refund within 7 calendar days of first payment.

Conditions:

• Refund granted regardless of usage (even if you extensively used the platform)
• No questions asked
• Only one 7-day refund per user account
• Applies to monthly plans only (annual plans: see Section 6)

Refund amount: Full monthly fee (minus any GST owed) Processing: Within 7–10 business days to original payment method

Rationale: Consumer-friendly "try it out" window. If you're not satisfied after your first week, no penalty.

Scenario 2: Duplicate Charge

Eligibility: You were charged twice for the same subscription in the same billing cycle (technical error on our end).

Conditions:

• We must confirm the duplicate charge in our records
• You must report it within 30 days of the duplicate charge
• Duplicate charges beyond 30 days may not be refunded

Refund amount: Full amount of duplicate charge Processing: Within 7–10 business days to original payment method

Example: You were charged ₹1,999 on June 1, then accidentally charged again on June 2. You report on June 10. We refund the second ₹1,999.

Scenario 3: Technical Failure (Partial Refund)

Eligibility: Worknite was materially unavailable or non-functional for a substantial portion of your billing period due to our technical failure.

Conditions:

• Downtime must exceed 6 cumulative hours in a month (excluding scheduled maintenance)
• You must report the issue within 7 days of the outage
• We must confirm the outage in our logs
• Refund is pro-rata (not full refund)

Pro-rata Calculation:

Refund = (Monthly Fee) × (Hours Outage / 720 hours in month) × 0.5

Note: We refund only 50% of the calculated pro-rata amount because you retained partial service access.

Example:

• You paid ₹1,999 for Tier 2
• Platform was down for 12 hours on June 5–6 (our server failure)
• Pro-rata: ₹1,999 × (12/720) × 0.5 = ₹16.66
• You receive ₹16.66 refund

Processing: Within 14 business days of verification

Scenario 4: Billing Error (Incorrect Charge)

Eligibility: You were charged an incorrect amount (e.g., wrong tier, currency conversion error, GST miscalculation).

Conditions:

• You must identify the error and report within 30 days
• We confirm the billing mistake in our records
• We issue a correcting refund or credit

Refund amount: Difference between what you paid and what you should have paid Processing: Within 7–10 business days

Example: You subscribed to Tier 2 (₹1,999) but were charged ₹2,499. We refund ₹500.

Scenario 5: Payment Not Received (No Access Given)

Eligibility: You initiated payment and were charged, but never received service access (account never activated).

Conditions:

• You report within 7 days of payment
• We confirm your account was not activated due to our error
• Refund is automatic (no questions asked)

Refund amount: Full payment Processing: Within 7–10 business days

4.2 Refunds NOT Offered (Ineligible Scenarios)

❌ AI Output Dissatisfaction

Not Refundable: You requested a refund because AI-generated drafts, case notes, or analysis were inaccurate, unhelpful, or not what you expected.

Reason: AI outputs are drafting aids intended to assist, not replace, professional judgment. Quality depends on:

• Input document clarity
• Complexity of your case
• AI model limitations
• User expectations vs. actual capabilities

Refunds are not available for feature limitations or AI inaccuracy. See Terms of Service, Section 3 (AI Disclaimers).

Your recourse: Contact support for guidance on how to improve outputs (better document format, clearer questions, etc.).

❌ Unused Credits

Not Refundable: You paid for credits and did not use them (either because you didn't use the platform or you switched plans).

Reason: Credits are monthly allocation, not a purchasable commodity. Unused credits expire at the end of each month.

Example: You subscribed to Tier 2 (₹1,999, 200K credits) but only used 50K credits in June. The remaining 150K credits expire on June 30. No refund.

Best practice: Plan your subscription based on average monthly usage, not maximum need.

❌ Partial Month Usage (Non-Refundable)

Not Refundable: You subscribed and used the platform for part of the month, then cancelled and requested a refund for unused portion.

Reason: Subscriptions are monthly commitment, not daily or hourly charges. You retain full access and credit allocation until the end of your billing period.

Example: You subscribe on June 15 and cancel on June 20. You used the platform for 5 days but paid for full month (June 15–July 14). No refund for the remaining 24 days.

Your option: Wait until your next billing date to cancel (minimize paid but unused days).

❌ Terms of Service Violation

Not Refundable: Your account was suspended or terminated due to violation of our Terms of Service.

Violations include:

• Using Worknite for illegal purposes
• Attempting to hack or reverse-engineer the platform
• Uploading malicious content
• Generating fraudulent tax documents
• Harassment or abuse
• Reselling access without permission

Your recourse: If you believe the suspension was in error, email support@worknite.in with detailed explanation. We will review and may reinstate + refund if the suspension was incorrect.

❌ Free Tier / Promotional Credits

Not Refundable: You used free tier or promotional credits and now request a refund.

Reason: Free and promotional credits have no monetary value and cannot be refunded.

Example: You received ₹500 free credits as a sign-up bonus, used them, and now want your money back. Not eligible (they were free).

❌ Buyer's Remorse (After 7-Day Window)

Not Refundable: You subscribed, used the platform actively for 2+ weeks, and now want a refund because you changed your mind.

Reason: 7-day grace period is our "try it out" window. After 7 days, you've had fair opportunity to evaluate; no further refunds for dissatisfaction.

Your options:

• Downgrade to a lower plan
• Cancel and let subscription expire at end of billing period
• Request a pause (see Section 7)

❌ Government Penalties or Tax Consequences

Not Refundable: You used Worknite-generated content, filed it with tax authorities, faced penalties or interest, and now blame Worknite.

Reason: You are responsible for verifying AI outputs before submission (Terms of Service, Section 3). Worknite is not liable for consequences of your reliance on AI content.

❌ Currency Fluctuation or Exchange Rates

Not Refundable: You paid in INR and the currency rate moved; you now want the "overpayment" refunded.

Reason: Currency fluctuations are not our responsibility. Price in INR is fixed at time of purchase.

❌ Bank or Payment Processor Delays

Not Refundable: You initiated cancellation but your payment cleared before the cancellation took effect.

Reason: You should cancel before the next billing date. If payment is already processed, no refund.

Your option: Request cancellation at least 2 days before your billing date to avoid a charge.

4.3 Special Cases & Edge Cases

What if I paid but payment failed to process?

• No charge = no refund needed
• Contact support with payment reference to confirm

What if I requested refund but am now eligible for credit instead?

• We may offer account credit (₹X worth of future charges) instead of cash refund
• You may accept or reject; if rejected, we will refund to original payment method

What if I paid in another currency (if international support added)?

• Refunds processed in original currency at rate of day of refund
• Exchange rate fluctuation not our responsibility

What if my payment method no longer exists (e.g., old card)?

• We attempt refund to original method
• If that fails, we may issue account credit or require new payment details
• Refund delays due to outdated payment method are not our responsibility

5. HOW TO REQUEST A REFUND

5.1 Refund Request Process

Step 1: Email Support

• To: support@worknite.in
• Subject: "REFUND REQUEST" or "CANCEL + REFUND"
• Include in body:
  • Your registered email address
  • Account email (if different)
  • Payment transaction ID (if you have it)
  • Payment date
  • Refund reason (7-day grace, duplicate charge, technical failure, etc.)
  • Brief explanation (1–2 paragraphs)

Example email:

Subject: REFUND REQUEST — 7-Day Grace

I subscribed to Tier 2 on June 1, 2026 and paid ₹1,999 via card ending in 1234.
Transaction ID: TXN123456789.

I'm requesting a refund under the 7-day grace period (still within window).
I'd like to explore other options before committing.

Please process refund to my original payment method.

Thanks,
[Your Name]
[Your Email]

Step 2: We Review & Respond

• Timeline: Within 5 business days (Mon–Fri, not counting weekends/holidays)
• Response: Email with decision (approved/denied) and explanation
• If questions: We may ask for clarification; you have 7 days to respond

Step 3: Refund Processing

• If approved: We initiate refund to original payment method
• Processing time: 7–10 business days (depends on your bank)
• Confirmation: We'll email you a refund reference number

Step 4: Confirm Receipt

• Check your bank/payment account for refund
• May take 1–2 additional days depending on bank processing
• If refund doesn't appear after 10 days, contact support with bank statement proof

5.2 Escalation (If Denied)

If your refund request is denied but you believe it should be approved:

1. Reply to denial email with:

   • Reason why you disagree
   • Additional evidence (screenshots, emails, etc.)
   • Reference to specific section of this policy

2. We escalate to senior review within 7 days

3. Final decision provided within 14 days of escalation

4. If still denied: You may pursue arbitration per Terms of Service (Section 16)

5.3 Important Notes

• No phone refund requests: Email only (creates documented trail)
• No automatic refunds: You must explicitly request
• No refund without explicit request: Even if your 7-day window closes, you can still request; we'll evaluate
• Multiple requests: Don't submit duplicate requests; we review all submissions together

6. ANNUAL PLANS (IF OFFERED)

6.1 Annual Subscription Refund Terms

If Worknite offers annual subscription plans (billed once per year):

Within 7 Days of Payment — Full Refund

Same as monthly: 7-day grace period, full refund, no questions.

8–30 Days of Payment — Pro-Rata Refund

• Refund calculated: (Annual Fee) × (Remaining Months / 12)
• Example: for an annual fee A paid on day 1, a refund on day 15 (1 month used, 11 remaining) = A × (11/12)

Beyond 30 Days — Case-by-Case Only

• Technical failure: pro-rata refund possible
• Duplicate charge: full refund
• Dissatisfaction: no refund
• Downgrade to monthly: accepted (no refund, new monthly plan begins)

6.2 Switching from Annual to Monthly

• You may switch from annual to monthly at any time
• No refund for remaining annual balance
• New monthly subscription begins immediately
• Credits are not transferred

7. SPECIAL REQUESTS & ACCOMMODATIONS

7.1 Subscription Pause (Not Refund)

Alternative to cancellation: If you need temporary break but plan to return:

• Duration: Up to 30 days
• Process: Email support@worknite.in with "PAUSE SUBSCRIPTION" in subject
• Effect: No charges during pause; your account remains active (can't use credits)
• Renewal: Subscription resumes automatically on day 31 (or sooner on your request)
• Frequency: Allowed once per calendar year

Note: This is NOT a refund; it's a service to avoid losing your account.

7.2 Account Credit (Instead of Refund)

We may offer account credit (future billing adjustment) instead of cash refund in some cases:

• You get ₹X to use towards future subscriptions
• Expires after 12 months if unused
• No cash value; non-transferable
• You may accept or decline (decline = cash refund instead)

When offered: When cash refund is complicated (e.g., payment method no longer exists, extreme exchange rate fluctuation)

7.3 Promotional Refunds (Exceptions)

Worknite may offer promotional refunds or credits for:

• Service outages affecting many users
• Major platform bugs harming multiple customers
• Goodwill gestures for long-term users
• Special circumstances (e.g., documented account compromise)

These are at our sole discretion and do not constitute a right.

8. PAYMENT METHOD & PROCESSING

8.1 Refund Method

Refunds are processed to your original payment method:

8.2 If Original Method Unavailable

If your original payment method no longer exists (e.g., card expired, account closed):

• We attempt refund; bank rejects it
• We'll email you asking for new payment details
• You provide updated bank account details
• We re-attempt refund to new account

Delays due to your unavailable payment method are not Worknite's responsibility.

8.3 Refund Processing Responsibility

Worknite's responsibility ends once we initiate refund:

• We submit refund to payment gateway (Razorpay)
• Razorpay processes refund to your bank/wallet
• Your bank/wallet credits your account (can take 1–10 days)

If refund appears late: Contact your bank, not us (provide our refund reference number).

9. TAX TREATMENT OF REFUNDS

9.1 GST on Refunds

Worknite's subscription includes 18% GST (Goods and Services Tax):

Refund calculation:

• If you paid ₹1,999 (inclusive of 18% GST ≈ ₹1,694 + ₹305 GST)
• Refund issued: Full ₹1,999 (GST not separated)

9.2 Your Tax Responsibility

• You are responsible for GST reporting on refunded amounts
• If Worknite issued you an invoice, refund will be noted as credit note
• For GST filing, treat refund per GST Rules
• Worknite will provide credit note if requested

9.3 Invoice & Credit Notes

• Original invoice provided at time of payment
• Credit note issued for any refund (requested separately)
• Both documents necessary for your accounting/tax records

Request credit note: Email billing@worknite.in with payment details and refund date

10. REFUND DISPUTES & RESOLUTION

10.1 What if We Disagree on Refund Eligibility?

If you believe you're entitled to a refund but we've denied it:

Step 1: Clarification (Email)

• Reply to our denial with detailed explanation
• Cite specific policy section
• Provide supporting evidence (screenshots, payment receipts, etc.)
• We'll reconsider within 7 days

Step 2: Escalation to Senior Review (14 Days)

• If unsatisfied with our response, email escalation@worknite.in (or support with "ESCALATION" in subject)
• Senior manager reviews dispute
• Final decision within 14 days

Step 3: Dispute Resolution (30 Days)

• If still unresolved, refer to Terms of Service, Section 16 (Dispute Resolution)
• Either party may pursue mediation or arbitration in Mumbai

10.2 Chargeback / Payment Processor Dispute

If you initiate a chargeback with your bank or payment processor (disputing the charge):

• Worknite will defend the charge with payment processor
• If chargeback succeeds despite our defense, we may suspend your account permanently
• You will not be eligible for further refunds from Worknite
• Your data may be deleted per Terms of Service

Reason: Chargebacks are last resort for fraud; using them for legitimate service disputes violates payment processor agreements.

Best practice: Contact support first; we'll resolve refund issues fairly.

11. CREDIT & COUPON CODES

11.1 Promotional Credits

Worknite may issue promotional credits (e.g., "₹500 off first month"):

• Non-refundable — cannot be converted to cash
• Expiration: Typically 30–90 days from issue
• Usage: Applied automatically at next billing (or manually via code)
• Non-transferable — cannot be gifted to other accounts

11.2 Coupon Codes

If you have a coupon code (e.g., from email, partner, referral):

• Enter at checkout for discount
• Discount applied to that month's billing only
• Unused codes cannot be refunded
• Expired codes are void

11.3 Cannot Combine Credits

• Promotional credits cannot be combined (use the highest value)
• Coupons cannot be stacked (one per purchase)
• If multiple codes applied, we use the most valuable

12. CORPORATE / TEAM ACCOUNTS (FUTURE)

If Worknite offers team/corporate accounts:

12.1 Team Subscription Refunds

• Account owner may request refund (only)
• Refund must be requested by account owner email address
• Refunds processed to original payment method on account
• Individual team members cannot request refunds

12.2 Team Member Removal

• Removing a team member does not trigger refund
• Cost is prorated next billing cycle (if multiple tiers)
• No cash refund; credit applied to main account instead

13. CHANGES TO REFUND POLICY

13.1 Policy Updates

Worknite may update this Refund Policy at any time:

• Material changes (expand or restrict refunds) — 30 days' notice via email
• Minor clarifications (formatting, examples) — effective immediately

13.2 Your Rights After Changes

• For pending requests: Old policy applies if request submitted before change date
• For new requests: New policy applies
• Continued use: Implies acceptance of updated policy

13.3 Policy History

• Version 1.0 — 01 January 2026 (basic)
• Version 2.0 — 16 June 2026 (comprehensive: credits, tiers, pro-rata, edge cases)

14. CONTACT & SUPPORT

14.1 Refund Inquiries

Email: support@worknite.in
Subject: "REFUND REQUEST" or "REFUND QUESTION"
Response time: 5 business days

14.2 Billing Questions (Not Refund)

Email: billing@worknite.in
Subject: "BILLING QUESTION" (include invoice/reference)
Response time: 5 business days

14.3 Escalation

Email: escalation@worknite.in (or support@worknite.in with "ESCALATION" in subject)
Response time: 7 business days

14.4 Hours of Operation

Monday–Friday: 10 AM–6 PM IST
Holidays: No support (respond next business day)
Weekend requests: Replied Monday

15. COMMON QUESTIONS & EXAMPLES

Q: I subscribed 3 days ago. Can I get a full refund?

A: Yes, within 7-day grace period. Email support@worknite.in with "REFUND REQUEST" and we'll process full refund within 5 business days.

Q: I used ₹1,800 out of my ₹1,999 monthly credit. Can I get ₹199 back?

A: No. Credits are monthly allocation; unused credits expire at month-end. No refund for unused credits.

Q: I paid on June 1, used the platform for 2 weeks, then cancelled. Can I get a refund?

A: No, unless within 7-day grace (you're past that). Subscriptions are monthly commitment. You retain access until June 30; no refund.

Q: The platform was down for 8 hours last month. Can I get a refund?

A: Yes, possibly. Email support with details (date, time, duration, impact). If confirmed, pro-rata refund ≈ ₹22 (for 8 hours out of 720-hour month). Refund processed if your claim is legitimate.

Q: I was charged twice by mistake. What do I do?

A: Email support@worknite.in with "DUPLICATE CHARGE" in subject, include both transaction IDs. We'll verify and refund the second charge within 7–10 days.

Q: I requested a refund 3 weeks ago and haven't received it. What's the delay?

A: Refunds take 7–10 business days from approval. If it's been >10 days, check:

1. Your bank (may take 1–2 extra days)
2. Junk/spam email (we might have sent confirmation)
3. Email us your refund reference number and bank statement

Q: Can I get a refund if I just changed my mind?

A: Only within 7 days of first payment. After that, no refund for dissatisfaction. You may downgrade plan or cancel (no penalty, just wait for billing period to end).

Q: If I downgrade mid-month, do I get a refund?

A: No, downgrade takes effect next billing cycle. No refund for current period. You retain access + credits until next billing date.

Q: What if I used AI-generated content and it was wrong? Can I get a refund?

A: No. AI outputs are drafting aids intended to assist. You must independently verify before use. See Terms of Service, Section 3. If the platform itself malfunctioned, contact support (may qualify for technical failure refund).

16. ACKNOWLEDGMENT

By purchasing a Worknite subscription, you:

• Acknowledge you have read and understood this Refund Policy
• Accept that refunds are limited to specific scenarios (7-day grace, duplicates, technical failure, billing errors)
• Understand that unused credits and partial-month usage are non-refundable
• Agree that AI output quality is not grounds for refund
• Accept all payment terms and timelines outlined above

If you do not agree with this policy, do not subscribe.

End of Refund Policy

Document Version: 2.0
Last Updated: 16 June 2026
Next Review: 16 June 2027 (or upon material change)

For questions, email support@worknite.in.

APPENDIX: QUICK REFERENCE

Questions? Email support@worknite.in with subject "REFUND POLICY QUESTION".