Effective Date: 01 Jan 2025
Last Updated: 27 April 2026
Version: 2.0

Website: https://zepychat.com
Brand Name: ZepyChat
Legal Entity: ZepyPay Technologies
Business Structure: Sole Proprietorship

This Refund Policy explains how refunds, cancellations, billing adjustments, subscription renewals, and payment disputes are handled for purchases made through ZepyChat.

By purchasing or subscribing to our services, you agree to this Refund Policy.

1. Business Information

Legal Owner: Imran Khan
Legal Business Name: ZepyPay Technologies
Brand Name: ZepyChat

GST Registration Number: 09LXIPK1850Q1ZK
UDYAM Registration Number: UDYAM-UP-29-0200699

Registered Address:
KH No. 1113/1, Shanker Vihar, Lal Kuan, Near Shiv Mandir, Ghaziabad, Uttar Pradesh – 201001, India

General Contact: info@zepychat.com
Billing Contact: billing@zepychat.com
Support Requests: help@zepychat.com
Phone: +91 9990665076

2. Scope of This Policy

This policy applies to:

• subscriptions
• recurring billing plans
• one-time purchases
• onboarding/setup fees
• premium add-ons
• software access fees
• approved custom services

3. Nature of Services

ZepyChat primarily provides digital software and online service access.

Because digital services may be activated immediately, refund eligibility may be limited once access or service activation occurs.

4. Service Activation

A service may be considered activated when any of the following occurs:

• account access is created
• login credentials are issued
• dashboard access is granted
• onboarding begins
• subscription features become available
• API or integration access is enabled

5. General Refund Position

Unless otherwise required by law or expressly agreed in writing, payments are generally non-refundable after service activation.

Any approved exception remains at company discretion subject to applicable law.

6. Eligible Refund Scenarios

Refund requests may be reviewed in situations such as:

• duplicate payment for same order
• technical billing error
• incorrect double charge verified by records
• payment collected but service not provisioned within reasonable time due solely to our fault
• mandatory legal rights requiring refund 

7. Non-Refundable Scenarios

Refunds may generally not be available for:

• change of mind after purchase
• lack of usage
• misunderstanding of features after purchase
• failure to cancel before renewal date
• user-side technical issues not caused by us
• third-party suspension or rejection
• policy violations
• misuse or abuse
• custom setup work already started or completed
• activated digital access already delivered 

8. Subscription Billing

Monthly, yearly, or recurring plans may renew automatically until canceled.

Users are responsible for managing subscriptions and cancellation timing.

9. Cancellation of Future Renewals

Users may request cancellation through dashboard (if available), billing email, support channels, or other approved methods.

Cancellation stops future renewals when processed, but does not automatically refund prior paid billing periods.

10. Auto Pay / ECS / E-Mandate

Where enabled, subscriptions may use Auto Pay, ECS, UPI AutoPay, card mandates, or similar recurring authorization systems through approved processors.

Users are responsible for managing mandates with sufficient notice before the next charge date.

11. Renewal Reminders

We may send renewal reminders or billing notices, but are not obligated to do so unless required by law.

Failure to receive a reminder does not invalidate a legitimate renewal charge.

12. Failed Payments

If a renewal payment fails, access may be paused, downgraded, retried, or suspended until dues are cleared.

13. Third-Party Charges

Some services may involve separate external charges from providers such as Meta, payment gateways, telecom vendors, hosting partners, or other providers.

Examples may include:

• conversation charges
• template fees
• messaging fees
• payment processing fees

Such third-party charges may be non-refundable unless the external provider reverses them or law requires otherwise.

14. Taxes

Applicable taxes including GST may be charged where required by law.

Tax treatment of refunds, if any, may follow applicable accounting and legal rules.

15. Duplicate Payments

Verified duplicate payments for the same transaction may be eligible for correction or refund.

Users should report duplicate charges promptly with transaction details.

16. Chargebacks and Disputes

Users are encouraged to contact us first at billing@zepychat.com to resolve billing concerns.

Fraudulent, abusive, or false chargebacks may result in suspension, recovery action, or account restrictions.

17. Processing Time

If a refund is approved, processing time may depend on banks, payment gateways, card issuers, UPI systems, or other financial institutions.

We do not control third-party settlement timelines.

18. Partial Refunds

Where appropriate, we may consider partial credits, billing adjustments, or prorated remedies at our discretion or where legally required.

19. Promotional / Discounted Plans

Promotional pricing, discounted offers, coupons, or limited-time deals may have separate refund conditions if clearly stated at purchase.

20. Custom Services

Custom onboarding, migration, setup, consulting, development, or manual service work may be non-refundable once work has started.

21. Data Loss / Business Loss Claims

Refund eligibility does not automatically include compensation for indirect losses, missed sales, downtime impact, or business damages unless required by law.

22. Account Suspension Cases

Refunds may be denied where an account was suspended or terminated for policy violations, fraud risk, misuse, or unlawful conduct.

23. Proof Requirement

We may request invoices, transaction IDs, screenshots, bank references, or account verification before reviewing refund requests.

24. Currency / Bank Variations

Refund amounts may vary due to exchange rates, intermediary bank charges, processor deductions, or regional settlement rules where applicable.

25. Legacy Plans

Older plans or grandfathered plans may follow the refund rules applicable at the time of purchase unless otherwise stated.

26. Policy Abuse Prevention

Repeated abusive refund requests, misuse, or manipulation attempts may lead to refusal of future services.

27. Legal Rights

Nothing in this policy removes non-waivable consumer rights that may apply under law.

28. Policy Updates

We may update this Refund Policy from time to time. Updated versions become effective when published on the website.

29. Related Policies

This policy should be read together with our Terms of Service, Privacy Policy, and GDPR & Cookie Policy.