Refund & Cancellation Policy

This Refund & Cancellation Policy applies to all paid subscriptions to VirasatVault^™. Refund requests are evaluated in accordance with applicable Indian consumer-protection law, Reserve Bank of India guidelines, and Razorpay payment-processing rules.

You may cancel your subscription at any time:

• From the billing section of your Vault dashboard, or
• By emailing hello@virasatvault.com from your registered email address.

On cancellation, your account remains active until the end of the current paid term. Auto-renewal is disabled immediately and you will not be billed again.

We offer a 7-day satisfaction window on first-time subscription purchases. If you cancel within 7 days of your first payment and have not made significant use of paid features (e.g. activated Emergency Trigger Engine^™ or invited executors), you are eligible for a full refund.

Outside this window, refunds are evaluated case-by-case based on:

• Whether you experienced an unresolved service outage attributable to VirasatVault
• Whether the payment was a duplicate or made in error
• Whether a renewal occurred despite a prior, documented cancellation request

• Subscription renewals where cancellation was not requested before the renewal date
• Voluntary downgrades or feature non-use after the 7-day window
• Cases where the account was suspended for breach of the Terms of Service
• Setup fees, add-on services, or document storage upgrades already provisioned
• Taxes (GST) already remitted to the Government of India

If a payment fails — for example due to insufficient funds, expired card, or bank decline — Razorpay will automatically retry the charge per its standard schedule. You will receive email notifications and have a 7-day grace period to update your payment method before access to paid features is paused. Vault data is preserved during this period.

Subscriptions renew automatically at the end of each term using the payment method on file. We send renewal reminders at:

• 30 days before renewal
• 7 days before renewal
• 1 day before renewal

To stop a renewal, cancel at least 24 hours before the renewal date.

1. Email hello@virasatvault.com from your registered email with the subject "Refund Request".
2. Include the date of payment, Razorpay transaction ID, and reason for the request.
3. Our team acknowledges within 2 business days and decides within 7 business days.
4. Approved refunds are initiated through Razorpay to the original payment instrument.
5. Funds typically appear in your account within 5–10 business days, depending on your bank.

• Decision: within 7 business days of a complete request
• Razorpay processing: 24–72 hours after approval
• Bank credit: 5–10 business days, subject to your card-issuing or account-holding bank

All refunds are processed via Razorpay Software Private Limited, the same gateway used for the original transaction. Refunds can only be returned to the original payment instrument and cannot be redirected to a different card, account, or wallet, as required by RBI guidelines.

For any billing, cancellation, or refund query:
Email: hello@virasatvault.com
WhatsApp: +91 96424 27886