Refund Policy

Effective Date: 16-03-2026

1. Introduction

This Refund Policy explains the rules, conditions, and process for cancellations, refunds, failed payments, duplicate payments, and subscription-related issues for FINSTA powered by TONFR ("FINSTA", "TONFR", "we", "our", or "us").

By purchasing any paid plan, subscription, or premium feature through our website or other approved payment channels, you agree to this Refund Policy along with our Terms & Conditions and Privacy Policy.

2. Nature of Service

FINSTA is a software-based billing and business management service that may provide access to premium digital features such as advanced billing tools, reports, ad-free invoices, multi-user access, and related subscription benefits.

Because these are digital services and premium features may be activated immediately after successful payment, refunds are limited and are granted only in the situations described in this policy or where required by applicable law.

3. General Refund Rule

Except where required by law or expressly approved by TONFR, payments made for subscriptions, renewals, upgrades, or premium features are generally non-refundable once the plan has been successfully activated, provisioned, or made available for use.

Please review plan details, pricing, billing period, and included features carefully before completing payment.

4. Eligible Refund Situations

A refund request may be considered only in the following cases:

• You were charged more than once for the same transaction due to a duplicate payment
• You were charged, but the subscription was not activated within a reasonable time due to a verified technical issue on our side
• You were billed incorrectly due to a clear pricing or billing error caused by TONFR
• You were charged after a proven payment gateway error that resulted in unsuccessful service activation
• A refund is otherwise required under applicable consumer protection law

5. Non-Refundable Situations

Refunds will generally not be provided in the following situations:

• You changed your mind after purchase
• You purchased the wrong plan by mistake
• You did not fully use the subscription during the billing period
• You no longer need the service
• You forgot to cancel before renewal, where renewal terms were disclosed
• Your business closed, paused, or changed direction after purchase
• You experienced issues caused by your own device, internet, printer, third-party tools, or misconfiguration
• You violated our Terms & Conditions and your service was suspended or terminated
• You were dissatisfied with a feature that was clearly described before purchase
• Your payment was successfully processed and premium access was already granted for the purchased period

6. Monthly and Yearly Plans

FINSTA may offer monthly and yearly subscription plans. Unless otherwise stated in writing:

• Monthly plan payments are non-refundable once the monthly subscription has been activated
• Yearly plan payments are non-refundable once the yearly subscription has been activated
• Unused time, partial usage, or early cancellation does not entitle the user to a full or partial refund
• Downgrading, switching plans, or discontinuing use mid-cycle does not automatically create refund eligibility

7. Duplicate Payments

If you are charged twice or more for the same order due to a payment gateway issue, bank issue, or accidental duplicate transaction, please contact us with proof of payment. After verification, the excess amount may be refunded to the original payment source or adjusted against your subscription, at our discretion where legally permitted.

8. Failed or Pending Transactions

In some cases, money may be debited from your bank account while the transaction remains pending or fails due to banking or payment gateway issues. In such cases:

• The payment may be automatically reversed by your bank or payment provider
• The reversal timeline depends on the policies of the bank, card network, UPI provider, or payment gateway
• If the payment is eventually confirmed and premium access is activated, the normal refund rules of this policy will apply

TONFR is not responsible for bank-side delays in reversing failed or pending transactions, though we may assist by sharing payment status information where available.

9. Incorrect Plan Purchase

If you accidentally purchase the wrong plan, you may contact us promptly after payment. We may, at our sole discretion, choose to help by adjusting the plan value toward another plan, but we are not obligated to issue a refund once the purchased plan has been activated.

10. Promotional Offers and Discounts

Plans purchased under promotional pricing, special offers, limited-time discounts, campaign pricing, or bundled offers are generally non-refundable unless required by law or due to a verified duplicate or technical billing issue.

11. Auto-Renewal and Renewal Charges

If any subscription is offered with renewal functionality, the applicable renewal terms, pricing, and duration should be reviewed by the user before payment. Unless otherwise stated, a successfully processed renewal charge is treated the same as a new subscription charge under this Refund Policy.

Failure to cancel before a renewal date does not automatically make the renewal payment refundable, unless required by law or caused by a verified billing error.

12. Cancellation Policy

You may stop using FINSTA at any time. You may also choose not to renew your plan after the end of the current billing cycle. However, cancellation of service does not automatically entitle you to a refund for payments already made.

Where applicable, premium access may continue until the end of the already paid subscription period, unless your account is suspended or terminated in accordance with our Terms & Conditions.

13. Account Suspension or Termination

If your account is suspended or terminated due to violation of our Terms & Conditions, misuse of the service, fraud, abuse, unauthorized activity, chargeback abuse, or unlawful conduct, you will not be entitled to any refund unless required by applicable law.

14. Refund Request Process

To request a refund, you must contact us with complete details, including:

• Your registered mobile number or email address
• Business or account name
• Date and amount of payment
• Transaction ID, order ID, or payment reference number
• Reason for the refund request
• Relevant screenshots or supporting documents, if applicable

Refund requests without sufficient details may be delayed or declined.

15. Time Limit for Raising Refund Requests

Unless a longer period is required by applicable law, you should raise any billing, duplicate payment, or activation-related refund request within 7 days from the date of the transaction. Requests made after that period may be rejected, except where the issue involves a proven duplicate charge or a legal obligation requiring review.

16. Review and Approval

All refund requests are subject to review, verification, payment confirmation, service activation status, account history, and compliance with this policy. Submission of a refund request does not guarantee approval.

TONFR reserves the right to approve, reject, partially approve, or offer an alternative resolution such as service credit, subscription adjustment, or correction of billing status, where appropriate.

17. Refund Processing Time

If a refund is approved, we will initiate the refund within a reasonable period. The time taken for the refunded amount to appear in your account depends on your bank, card issuer, UPI app, payment gateway, or financial institution.

Refunds, where approved, will generally be returned to the original payment method used for the transaction unless otherwise required by law or technically necessary.

18. Chargebacks and Payment Disputes

If you initiate a chargeback or payment dispute without first contacting us to resolve a genuine billing concern, we reserve the right to suspend or restrict access to premium features, investigate the matter, and contest the dispute where supported by transaction records.

Fraudulent or abusive chargebacks may lead to permanent account restrictions.

19. Third-Party Payment Providers

Payments may be processed by third-party payment gateways or financial service providers. Their systems, terms, processing timelines, and technical issues may affect payment completion, reversals, or refund timing. TONFR is not responsible for delays caused solely by banks, card networks, UPI platforms, or payment gateways after a refund has been properly initiated.

20. Changes to This Refund Policy

We may update this Refund Policy from time to time to reflect changes in our plans, services, legal requirements, business practices, or payment systems. The revised version will be posted on this page with an updated effective date. Continued use of FINSTA after such updates may constitute acceptance of the revised policy.

21. Contact Us

If you have any questions about this Refund Policy or wish to submit a refund request, please contact us:

TONFR
For FINSTA Billing App
Email: [email protected]
Phone: +91-9442644265