Refund & Cancellation Policy

1. Overview

This Refund and Cancellation Policy outlines the terms and conditions for subscription cancellations, refund requests, and related procedures for the Election Expense Management System provided by EMS Online.

2. Subscription Plans

2.1 Available Plans

• Standard Plan: ₹5,000 (One-time or as per selected duration)
• Features: Unlimited expense tracking, daily activity logs, fund management, download reports, real-time dashboard

2.2 Payment Processing

All payments are processed through Razorpay, our secure payment gateway partner. Accepted payment methods include:

• Credit Cards (Visa, MasterCard, American Express, etc.)
• Debit Cards
• UPI (Google Pay, PhonePe, Paytm, etc.)
• Net Banking
• Wallets

3. Refund Policy

3.1 General Refund Terms

3.2 Eligible for Refund

You may be eligible for a refund in the following situations:

3.3 NOT Eligible for Refund

4. Refund Request Process

4.1 How to Request a Refund

4.2 Refund Method

Refunds will be processed to the original payment method used for the transaction. We do not provide refunds via alternative payment methods or to different accounts.

5. Cancellation Policy

5.1 User-Initiated Cancellation

You can cancel your subscription at any time by:

• Logging into your account and navigating to Settings > Cancel Subscription
• Emailing us at support@emsonline.in with cancellation request
• Contacting our support team directly

5.2 Cancellation Eligibility for Refund

• Within 7 days: Eligible for full refund if criteria met (see Section 3.2)
• After 7 days: No refund, but service continues until period end
• Partial period: No pro-rated refund for partial months/periods

5.3 Company-Initiated Cancellation

We reserve the right to cancel your subscription in case of:

• Violation of Terms and Conditions
• Fraudulent activity
• Non-payment of dues
• Misuse of the system

Refund: No refund will be provided for company-initiated cancellations due to violations.

6. Payment Failures

6.1 Failed Transactions

If your payment fails but amount is deducted:

• Wait 30 minutes for automatic reversal
• If not reversed, contact us with transaction details
• We will verify with Razorpay and initiate refund if applicable
• Refund processed within 5-7 business days

6.2 Double Payment

If you're charged twice for the same subscription:

• Contact us immediately with both transaction IDs
• We will verify and refund the duplicate payment
• Full refund processed within 3-5 business days

7. Dispute Resolution

7.1 Chargebacks

If you initiate a chargeback:

• Your account may be suspended during dispute investigation
• We will provide transaction evidence to your bank
• If chargeback is ruled in your favor, account remains suspended
• False chargebacks may result in legal action

7.2 Dispute Process

1. Contact Support: Email refunds@emsonline.in
2. Explain Issue: Provide detailed information
3. Wait for Response: 2-3 business days
4. Resolution: Refund, credit, or alternative solution
5. Escalation: If unsatisfied, escalate to management

8. Special Circumstances

8.1 Force Majeure

In case of events beyond our control (natural disasters, pandemics, government actions, etc.):

• Service interruptions may occur without refund obligation
• We will attempt to resume service as soon as possible
• Subscription period may be extended to compensate for downtime

8.2 Service Discontinuation

If we decide to discontinue the service:

• Minimum 30 days advance notice
• Pro-rated refund for unused subscription period
• Data export option provided
• Assistance with data migration if possible

9. Razorpay-Specific Terms

9.1 Payment Gateway Policy

Razorpay processes all payments. Their refund policies also apply:

• Refunds initiated by us are processed through Razorpay
• Razorpay's terms available at: razorpay.com/terms
• Transaction disputes handled according to RBI guidelines

9.2 Razorpay Fees

Razorpay charges a processing fee on transactions. In case of refunds:

• Full refunds: We bear the transaction fee
• Partial refunds: Pro-rated fee deduction
• User-error refunds: Transaction fee may be deducted from refund amount

10. Contact Information

For refund requests, cancellations, or questions about this policy:

• Company: Shree IT Solutions, Nanded
• Refund Requests: emsonline2025@gmail.com
• General Support: emsonline2025@gmail.com
• Website: emsonline.in
• Address: Shyam Nagar Road, Kailas Nagar, Nanded, Maharashtra, 431605, India
• Support Hours: Monday - Saturday, 9:00 AM - 6:00 PM IST

11. Policy Updates

We reserve the right to modify this Refund and Cancellation Policy at any time. Changes will be:

• Posted on this page with updated "Last Updated" date
• Notified to active subscribers via email
• Effective immediately for new subscriptions
• Existing subscriptions governed by policy at time of purchase

12. Legal Compliance

This policy complies with:

• Reserve Bank of India (RBI) guidelines
• Information Technology Act, 2000
• Consumer Protection Act, 2019
• Indian Contract Act, 1872
• Payment and Settlement Systems Act, 2007

13. Acknowledgment

By making a payment for our services, you acknowledge that you have read, understood, and agree to this Refund and Cancellation Policy.